WELCOME NEW HEFCU MEMBERS! Welcome to the Healthcare Employees Federal Credit Union! This merger between Health Care of NJ FCU and HEFCU is a culmination of months of hard work from both staffs.  HEFCU has been serving healthcare related facilities throughout New Jersey since 1984.  We offer a full range of financial services and are excited to present you with the information on the tabs below. Upon review, if we did not answer your specific question, please let us know. We are here to help either in person, phone, or email at hefcu@hefcu.com.

Electronic Services

HEFCU has a Call-24 Bank-by-Phone system that our members can use to get their balance, make a transfer, or request a withdrawal.  It’s easy–just call 1-800-551-3001, enter in your HEFCU account number and PIN (please contact our office to obtain your PIN), and follow the prompts to make your choice.  Click here for more information on this service.

We offer eStatements so that you can now view your statement online–no more waiting for the mail! And, your eStatement can now be accessed through online banking. A separate registration is required.

You will also now be eligible to register for HEFCU@Home, our online banking solution and we encourage all our members to take full advantage of this FREE service! With online banking, you will be able to view your accounts, transfer between HEFCU accounts, and pay bills (with a HEFCU checking account). To register, simply click here.

If you have bill pay with HCNJ you will need to re-register for our online banking solution, HEFCU@Home and recreate your bill payees in our system. Payments scheduled to process on 5/30/19 will be processed and paid. Payments scheduled with a process date on or after 5/31/19 will not be processed or paid. It is also recommended that you download your current bill pay history as that will not be available after May 30, 2019.

Finally, HEFCU offers a mobile app with online banking. You can access your HEFCU accounts from any mobile device. Once you are registered for HEFCU@Home, simply download the app and log in with the same user ID and password as you used for online banking. With our app, you can do all the same things as online banking as well as deposit checks with our Mobile Check Deposit!

Share Draft Checking

Important Share Draft Checking and Debit Card Information

Will I need to order new checks? If you have a HCNJ share draft checking account, you will be receiving a complimentary box of HEFCU checks. Please be sure to destroy your old checks and start using the new ones as soon as you receive them.

What about my current HCNJ debit card? You will be receiving a new HEFCU debit card in the coming weeks. Once you receive the new card, please activate it by calling the number listed on the label (1-866-985-2273).  You will be able to update your PIN it at this time as well (if you would like to obtain your PIN prior, please contact our office).

I don’t currently have a debit card. How can I obtain one? If you have a share draft checking account and you wish to have a debit card, please complete this application and send it back to our office via email at hefcu@hefcu.com or fax it to (609) 275-4194. You can also mail/bring it to one of our branches:

Willingboro Branch
1113 Hospital Drive
Suite 201
Willingboro, NJ
Phone: (609) 835-3053
Fax: (609) 835-3176
Mt. Holly Branch
175 Madison Avenue
Mt. Holly, NJ 08060
Phone: (609) 267-0700, x43571
Fax: (609) 914-7660
Princeton Branch
29 Emmons Drive
Suite C40
Princeton, NJ
Phone: (609) 951-0700
Fax: (609) 275-4194

Will I have overdraft protection on my HEFCU checking account? HEFCU offers three types of protection: Overdraft, Courtesy Pay, and Courtesy Pay on everyday debit card and ATM transactions.

What is HEFCU’s Routing and Transit/ABA Number? Our R&T/ABA # is 231288811.

What fees are there on HEFCU Share Draft Checking accounts? HEFCU does not charge a monthly service fee or require a minimum balance for our share draft checking accounts. Please review our current rate and fee schedule for current account related fees.

Regular Share Savings

What’s the difference between my balance and the available balance? There will be a $10 difference between your balance and the available balance in your primary savings account (00).  An initial $10 deposit in the regular share savings account entitles you to be part-owner of HEFCU and eligible for all other credit union services.

What other savings products does HEFCU offer? We also offer Club Accounts, IRA, Money Market Accounts, Youth Accounts, and Share Certificates.

Loan Info

Will my loan details, including interest rate and payment amount, stay the same at HEFCU? Yes, the merger will not impact your loan agreement with HCNJ in any way.  Your outstanding loan balance, interest rate, and payment scheduled will remain the same.  Likewise, your contractual payment obligation does not change.

Will it be harder to get a loan from HEFCU? Our underwriting process is similar to what was used by HCNJ.  Our loan officers evaluate the following factors:  gross income, current and past credit history, outstanding debt, and collateral (if applicable).  This review will determine qualification and will help insure the best interests of all our members.  We also adhere to various compliance and regulatory requirements. Upon approval, you will be notified by a loan representative.  Upon receipt of a complete loan request, a consumer loan application can be processed with the same business day.  Home equity applications require additional processing time. If a loan request is turned down, an Adverse Action Notice will be mailed indicating the reason(s) for this action. HEFCU online loan applications make it easy to apply for any of our loan products, 24/7. You can also contact our main office for a loan application to be taken over the phone, faxed, emailed or mailed to you.  In addition, a supply of loan applications are located at the Mt. Holly and Willingboro branch office. Please keep in mind, a loan representative works personally with applicants.

Where will a new loan closing take place? For member convenience, we offer an array of options for loan closings.  We can e-sign your loan documents–a loan officer will walk you through the process.  You can come into the Mt. Holly, Willingboro or our main office located in Princeton (during normal business hours).  We can also fax, email, or mail you the loan documents. You select which option best meets your needs.

If I have an automatic payment set up to pay my loan at the credit union, will it continue? Yes, you can continue automatic loan payments from your payroll or from another financial institution.  Kindly be sure they have HEFCU’s Routing and Transit Number is 231288811 and your HEFCU account number.

How can I make my loan payment if it isn’t set up automatically? The Mt. Holly branch will remain open.  You can either mail or drop off loan payments at the branch during normal business hours, whichever method is more convenient. If you currently make your loan payment using a coupon book, you can continue to use those coupons.  If you need a new coupon book, simply give our loan department a call for an updated coupon book for your remaining payments.

I have payment protection set up on my loan accounts, will that change? If you elected credit insurance on your loan at origination, we mailed you an Insurance Change Notification on 04/22/2019.

My loan was being reported to Experian, will it continue to be? Yes, HEFCU loans are reported to two nationwide Credit Reporting Agencies:  Experian and Trans Union.

I have an outstanding auto loan, do I need to continue to have a lienholder on my insurance policy? Yes.  As the lienholder on your vehicle, we depend on comprehensive and collision insurance to protect our credit union from uninsured loss.  The terms of your loan contract require this coverage for the life of the loan. HEFCU uses a system to track and monitor the insurance status of our loans.  If you receive a letter asking for proof of insurance, please send in your documentation as soon as possible to avoid any inconvenience.

Who should I contact in the event I have loan related questions or concerns? You can call or stop by the Mount Holly office. Or, feel free to contact our HEFCU loan team at 800-624-3312, option #3, or email us at loans@hefcu.com

Account Info

Will my account number change? In most cases, your regular share savings account numbers will remain the same; if an account number needs to be changed, you will be notified directly

What if I had a membership at HCNJ and HEFCU? You will continue to have dual accounts. You can consolidate those accounts simply by calling our office and advising us which account you want combined.

What branch locations/ATMs will be available to me? The existing HCNJ branch will remain open and office hours will now be Monday, Wednesday, Thursday, and Friday from 8:30 am to 4:30 pm; Tuesday from 7:30 am to 4:30 pm. The main HEFCU office is located at 29 Emmons Drive, Suite C40, Princeton, NJ 08540 and the Willingboro branch is located at 1113 Hospital Drive, Suite 201, Willingboro, NJ 08046. HEFCU also has 10 ATMs located in various hospitals in NJ and is part of numerous ATM networks. We are also proud to inform you that we participate in the Shared Branching Network which means that you will have access to your account at a number of locations throughout the country!

Will my deposits still be insured? Your deposits (by account ownership) are insured with the highest level of security provided by the National Credit Union Administration (NCUA), a US Government Agency. IRA and deposit accounts are insured up to $250,000.

If I have a payroll direct deposit set up from an employer or pre-authorized debits/payments set up, what do I need to do? HEFCU has been working with vendors to ensure a smooth transition for these deposits and payments.  However, we ask that you provide your employer and any vendors who automatically debit or credit your account with HEFCU’s routing number (231288811) and your new HEFCU account number for these deposits and payments.

If I have other questions not addressed here, who should I contact? You can contact HEFCU by phone (800-624-3312) or via email at hefcu@hefcu.com.

Office Hours

Day of the WeekWillingboro Branch
1113 Hospital Drive
Suite 201
Willingboro, NJ
(609) 835-3053
Mt. Holly Branch
175 Madison Avenue
Mt. Holly, NJ 08060
(609) 267-0700, x43571
Princeton Branch (lobby hours)
29 Emmons Drive
Suite C40
Princeton, NJ
(609) 951-0700
Princeton Branch
Phone Hours