Business & Non-Profit Membership

1st Bergen is an ideal financial institute for managing both business and community organization finances. We offer a full suite of digital tools and time-saving services that make managing your organization easier. Our Member Services, standard share accounts, and business checking accounts are all available at no cost to our business and community organization partners. Services include free checking, online banking, remote deposit, access to the Allpoint ATM Network, ACH and wire transfers, and much more.  

Membership is available to all New Jersey organizations that operate in Bergen County, Ocean County, Jersey City, or the City of Paterson. Membership is also extended to all New Jersey Community Action organizations. 

Please obtain the following documents before applying for membership: 

• IRS EIN Letter

• Articles of Incorporation 

• Operating Agreement 

• Certificate of Formation 

• Fictitious Name Certificate/Registration for ‘Doing Business As’ Organizations 

Then submit the following along with the above documents to become a member organization: 

• Membership Application 

• W9 Form 

• Authorized Signer Form 

• Certificate of Beneficial Owners 

• Business Account Profile  

Disclosures: 

• USA Patriot Act 

• Legal Entity Account 

1st Bergen is proud to offer business & non-profit lending opportunities to all types of member organizations, including small businesses, self-employed individuals, entrepreneurs, and more. 

If your organization needs a loan or a line of credit to cover payroll expenses, operational expenses, or to consolidate debts, we will work with you and your team to customize a financial solution to meet your business needs. Regardless of your industry, we’ll meet with you, learn about your plans, and reach an agreement that’s based on more than just your financials.  

To apply for a business loan, email membersupport@1stbergen.com, call (201) 968-0202, or visit the main branch in Hackensack, NJ.  

Business/Auto Loans:  

Standard unsecured or secured business loans are available to help fund your next expansion, purchase equipment, or fund a large-scale event. Our business lending rates and terms are flexible based on your organization’s needs and finances.  

Whether your organization needs a single vehicle or a fleet, new and used auto loans are available with flexible terms of up to 84 months and 100% financing. Please see the Rates page for current vehicle lending rates.  

Lines of Credit:  

If your organization needs working capital, financial GAP support, new inventory, or liquidity to cover a business emergency, you may benefit from a line of credit. 1st Bergen offers lines of credit to our organization partners for renewable terms of up to 24 months. Our competitive rates and terms are flexible based on your organization’s needs and finances. 

Commercial Loans:  

For larger organizations, commercial lending is available on a select basis for flexible terms from 5 to 10 years and amortization of up to 25 years, with no application fee and a low origination fee. To speak with a business lending officer, please call (201) 968-0202 to get more information about what 1st Bergen can offer to your business.  

When your organization partners with 1st Bergen, a primary share savings account is opened with a $25 minimum deposit. This initial deposit is your organization’s investment in the credit union and is held in the account to keep your membership in good standing. This flexible savings account has no maintenance fees, no limits on transfers, and earns high-yield interest with no balance limits to put your reserve cash to work. 

All organizations are also eligible for an organizational checking account and a 1st Bergen Visa® Debit Card for each of your organization’s authorized signers. Opening a checking account gives you access to over 55,000 ATMs throughout the United States via the Allpoint ATM network. Business checking accounts can also be used to access Automatic Bill Pay, ACH and Wire Transfers, Zelle®, and online check images, all with no monthly maintenance fee.