All persons who live, work, worship, attend school, own businesses and other legal entities in the Borough of Carteret New Jersey may join MidState Federal Credit Union. Each member with his/her own account enjoys full membership privileges and benefits.

Businesses located in the Borough of Carteret, New Jersey are welcomed to have their companies join MidState FCU and have their employees become members.

MidState Federal Credit Union is a progressive, multi service financial institution. We are owned and operated by our members. When you join the credit union you become an owner. Every year at the Annual meeting you elect the Board of Directors.

Your savings in the Credit Union are insured to at least $250,000.00 by N.C.U.A., a Government agency. Added protection is provided by the bonding of officials and staff. Further, the Supervisory committee examines all operations of the Credit Union and, by law, is charged with conducting and reporting regular audits. As an additional safeguard, the N.C.U.A. Audits the Credit Union periodically.

Your savings at the Credit Union are called “shares”. These funds are in turn invested by the Credit Union and loaned to your fellow members. From the earnings of these investments, the Credit Union must pay operational expenses and set aside a required amount for reserves. It is from the remaining monies that your dividends are paid.

To be eligible for new membership, you must Live, Work, Worship, Attend School, or own a business in Carteret, New Jersey.


Complete the application and either Fax: 732-541-4449 or Email:


Even after a member leaves the field of membership he/she may remain a member of the Credit Union – for a lifetime! Once a Member, Always a Member!


We, our, and us, when used in this notice, means MidState Federal Credit Union.  This is our privacy notice for our members.  When we use the words “you” and “your” we mean the following types of members:

  • Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n): share account, loan account, credit card account, self directed Individual Retirement Account or mortgage service.

We will tell you the sources of the information we collect about you.  We will tell you what measures we take to secure that information.  We will first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you.  Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.  Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.  An affiliate is a company we own or control.  A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours.  This is also known as nonaffiliated third party, or simply, an “other party”.

The Information We Collect

We collect information about you from the following sources:

  • Information you give us on applications or other forms
  • Information about your transactions with us
  • Information about your transactions with other parties
  • Information from a consumer reporting agency
  • Information we receive as a result of verifying member information

The Confidentiality, Security, and Integrity of your Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you.  We maintain physical, electronic, and procedural safeguards to protect this information.

Your Information and Other Parties

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law.  Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Information About Former Members

We do not disclose information about former members, except as permitted by law.

Authorized Sharing-Outside Marketing Services

We may disclose the following information to companies that perform marketing services on our behalf: Information you give us on an application or other forms, such as: Name and Address. We disclose the information listed above with companies that perform marketing services on our behalf.  You do not have a right to opt out of the disclosure of this information.  We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose information for outside marketing purposes: Service Providers that perform marketing services for us, such as: Mail House.

Reasons for Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.