Membership Benefits

If you're not familiar with credit unions, you may not realize what you're missing by not being a member.

Here are just some of the things we offer:

No Membership Fee

To become a member of Jersey Shore Federal Credit Union, you must open a regular share account. Deposit and maintain as little as $25 in this account and you will be eligible for the many benefits of credit union membership. If you keep your account open for at least six months, you will get this deposit back if you ever decide to close your account, although we think that's unlikely.

Free Personal Checking

Our checking accounts make it easy and convenient to manage your finances. Use your MasterCard ATM/debit card at nearly 85,000 Surcharge-Free ATMs to make withdrawals.  There are no monthly service charges and you can write unlimited checks. Plus, overdraft protection is available.

Nearly 85,000 Surcharge-Free ATMs Across the Nation

The Allpoint Network has more than 55,000 ATMs across the nations that are fee free for our members. Enter any zip code in the ATM locator and you'll see all the free ATMs in that area. Plus, there's nearly 30,000 Surcharge-Free CO-OP ATMs across 50 states and Canada!  Find a CO-OP ATM near you, including 7-Eleven stores.

Free e-Branch

Free online access to your credit union account is just a click away. View account balances, transfer funds between your eligible accounts, request check withdrawals, review your account history, see if checks cleared, make loan or credit card payments, apply for a loan and much more right through your computer.  Plus, members using our e-Services can also use our Mobile app

Free Branch by Phone

PATT allows you to access your account by phone anytime, anywhere. Just call (609) 646-3339 or 1-888-322-2848 and select option 1.

CO-OP Shared Branching

Visit over 5,000 convenient branch locations and more than 2,000 self-service locations covering all 50 states – simply have your credit union name, account number, and a government ID and you’ll have access to your accounts.  Find a shared branch or surcharge-free ATM right now at or call 1-888-SITE-CO-OP.