If you (or a member of your immediate family) are employed by an organization that belongs to one of the following trade associations, you are eligible to become a member:

  • New Jersey Hospital Association
  • New Jersey Association of Non-Profit Homes for Aging, Inc.
  • New Jersey Association of Health Care Facilities
  • Home Health Agency Assembly of New Jersey

To become a HEFCU member, simply complete the membership application (PDF – new window/tab) and maintain a balance in your share savings account of at least $10.00*.

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Frequently Asked Questions about Credit Unions

*An initial deposit of $10 will establish your account.  Fees do apply for low balance accounts, please be sure to review the fee schedule provided in your welcome letter or view the fee schedule.


If your employer does not already offer our credit union as a free employee benefit, refer us to your Human Resources/Benefits Manager.  A representative from the credit union will be happy to contact them and help your employer through the process of membership.  Simply call 1-800-624-3312 and ask for our Business Development Officer.

Becoming a member of the CrossState Credit Union Foundation makes you eligible to join HEFCU!  Simply visit, click on Apply Now and complete the information requested.  Once we receive notification from the foundation of your intent to become a member, we will then send you out a HEFCU application to complete and return.


Personal Members of the New Jersey Hospital Association (NJHA) are eligible for membership in the Healthcare Employees Federal Credit Union (HEFCU).

Personal members are individuals who either work in or provide a service to the healthcare industry in New Jersey and who are interested in promoting and delivering health services towards the goal of providing quality health care to the people of New Jersey AND are interested in accessing the services offered by HEFCU and are ineligible to participate in HEFCU under any other membership class.

Upon approval as a Personal Member by NJHA and remittance of membership dues (one-time, $15 non-refundable, made payable to NJHA), you will be eligible for lifetime membership at HEFCU, which will then entitle you to access and participate in all of the benefits and services offered by HEFCU.

Please contact our Member Service Department to see if you are eligible to join through Personal Membership.

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