At a glance
From its website, read 2 Nov 20261ST Bergen Federal Credit Union is a credit union based in Hackensack, New Jersey. Its website describes auto loans, credit-builder loans, microloans and 2 other loan types. Stated loan amounts run up to $65,000. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Lending | (201) 968-0202 source |
|---|---|
| loans@1stbergen.com source | |
| Apply online | Page with the application link |
| Website | www.1stbergen.com |
| Office (official list) | 392 Main Street, Hackensack, NJ 07601 |
What their website says about applying
for a paper application to submit in person. Completed loan applications must include:
sourceProof of all income to be considered (e.g., 4 consecutive pay stubs, Social Security letter)
sourceThree months of bank statements from your primary financial institution (i.e. where you receive pay and pay bills)
source
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Auto / vehicle loans | Term: see their wording | new and used auto loans are available with flexible terms of up to 84 months and 100% financing. | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- Low or damaged credit considered
we take many factors into account besides credit score to determine if you qualify for a loan
source - Membership required
If you are not eligible for membership, you cannot apply for a loan.
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 6 Apr 2015 |
| RSSD ID | 3945737 |
| Address | 392 Main Street, Hackensack, NJ 07601 Directions (Google Maps) |
| Website | www.1stbergen.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: high. Stated amounts are maximums only; no minimum loan amounts are given. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | up to $65,000 | up to $65,000 for up to 7 years | source |
| Credit-builder loans | — | Apply for Personal or Credit Builder loan | source |
| Microloans | up to $49,999 | Micro-business loans up to $49,999 are available for established businesses & nonprofits headquartered in Bergen County. | source |
| Personal / consumer loans | up to $50,000 | Unsecured personal loans are available for up to $50,000. | source |
| Small-business loans | — | Standard unsecured or secured business loans are available to help fund your next expansion, purchase equipment, or fund a large-scale event. | source |
Loan sizes
Unsecured personal loans are available for up to $50,000.
sourceup to $65,000 for up to 7 years
sourceMicro-business loans up to $49,999 are available for established businesses & nonprofits headquartered in Bergen County.
source
Range used for the size filter: not stated to $65,000
Service area
Not stated on the pages we read.
Borrower focus
- Nonprofits
1st Bergen is proud to offer business & non-profit lending opportunities to all types of member organizations
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Click Here to Apply Online
source
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - Is there a minimum loan amount?
Their website gives a maximum ($65,000) but no minimum. - What is the APR, including fees, on your auto loans and credit-builder loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your microloans and small-business loans?
Their website does not state a rate for this. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$1.5 million in 4 awards from the U.S. Treasury's CDFI Fund, 2013–2022 (4 programs).
| Round year | Program | Amount |
|---|---|---|
| 2022 | CDFI Equitable Recovery Program | $792,567 |
| 2021 | CDFI Rapid Response Program | $200,000 |
| 2021 | Small Dollar Loan Program | $157,500 |
| 2013 | CDFI Program, Financial Assistance | $300,000 |
Emergency Capital Investment Program (ECIP)
Treasury invested $1.3 million in this institution under ECIP, by buying preferred stock or subordinated debt (an investment, not a grant; it is not counted in the award total). ECIP type on the list: CDFI & MDI. Source: U.S. Treasury ECIP participant list (last updated Mar 2025), downloaded 3 Nov 2026.
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as 1ST BERGEN (charter 24810). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $11.2 million (as of 30 Jun 2026) |
|---|---|
| Members | 1,706 (as of 30 Jun 2026) |
| Offices | 3 (as of 30 Jun 2026) |
Offices by state and county (3)
New Jersey (3 offices)
- Bergen County (2): 392 Main St, Hackensack 07601 (main office); 392 Main St, Hackensack 07601
- Ocean County (1): 40 Washington St, Toms River 08753
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by 1ST Bergen Federal Credit Union (NCUA charter 24810, filed as “1ST BERGEN”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $5.8 million, 313 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 0.6% from $5.9 million on 30 Jun 2025 |
| Members | 1,706 (as of 30 Jun 2026); 1,643 (as of 30 Jun 2025) |
| Loans per member | $3,421 (total loans divided by members, 30 Jun 2026) |
| Total assets | $11.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $968,706 | 16.6% |
| Used vehicle loans | $1.4 million | 23.8% |
| Commercial (business) loans | $2.2 million | 37.3% |
| Other unsecured loans | $881,654 | 15.1% |
| Leases and other secured loans | $419,187 | 7.2% |
None reported on the 30 Jun 2026 report: first-lien home mortgages (1-4 family); other real estate loans (junior liens, other); credit cards.
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Largest loan its website states | $65,000 | Other credit unions whose website states a maximum: median $60,000. Higher than the stated maximum of 52% of these 64. |
| Total assets (Call Report, 30 Jun 2026) | $11.2 million | Larger than 12% of the 284 other certified credit unions nationwide (median $182.7 million). |
| Loans as a share of assets | 52% | Median of the same 284 credit unions: 70%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $5.9 million → $5.8 million (-1%) | Median change of 282 other certified credit unions nationwide: +3%. Rank by loans held among these 283: 250 → 249. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Largest stated loan | other credit unions stating a maximum, nationwide | 64 | higher than 52% |
| Call Report total assets | other certified credit unions nationwide | 284 | larger than 12% |
| Loans held then vs now | certified credit unions nationwide reporting both dates | 282 | rank 250 → 249 of 283 |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section).
Other certified CDFIs in Hackensack and New Jersey
- Cooperative Business Assistance Corp, TheLoan fund · Camden, NJMicroloans, Small-business loansVerified
- Cumberland Empowerment Zone CorporationLoan fund · Millville, NJMicroloans, Small-business loansVerified
- Eastern American Economic Development CorporationLoan fund · Palisades Park, NJCommercial real estate loans, Microloans, Home mortgages, SBA-backed loans (7(a)/504/Community Advantage)…Verified
- Entertainment Industries FCUCredit union · Elizabeth, NJAuto / vehicle loans, Home mortgagesVerified
- Financial Resources Federal Credit UnionCredit union · Branchburg, NJAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- Greater Newark Enterprises CorporationLoan fund · Newark, NJSmall-business loansVerified
Work at 1ST Bergen Federal Credit Union? Link to this page
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