Personal Banking

1st Bergen offers a variety of deposit accounts to match your personal financial needs and savings goals. Visit the Rates page to see the current interest rates for each account. Visit our services page to see the different ways you can use accounts at 1st Bergen.

When you become a member at 1st Bergen, you can open a Share Savings Account with just a $5 minimum deposit. This $5 is your personal investment in the credit union and is held in the account to remain a member in good standing. This flexible savings account has no maintenance fees, no limits on transfers, and pays interest quarterly.   

All members are eligible for a free personal checking account and 1st Bergen Visa® Debit Card. Opening a checking account gives you access to over 55,000 ATMs throughout the United States through the Allpoint ATM network. Your checking account can also be used to access Direct Deposit, ACH and Wire Transfers, Zelle®, Online Bill Pay, and paper checks. There is no fee to open a checking account, no monthly maintenance fees, and no minimum balance requirements.  

1st Bergen offers four types of club savings accounts to help you budget and save your money effectively. Each account is free to open and has no minimum balance requirements. You can even automate your savings by scheduling automatic transfers into your club accounts each month.  

• Holiday Club Savings: Save for the holiday season throughout the year and receive an automatic transfer back to your share or checking account on November 15 of each year.  

• Vacation Club Savings: Looking to fly away next summer? Set your savings on autopilot and receive an automatic transfer back to your share or checking account on May 15 of each year.  

• Teacher’s Club Savings: Keep your income stable through the summer months! Set up direct deposit to save a portion of your paycheck into this special club savings account and withdraw any amount to your share or checking account from June 15 to September 1. This account is exclusive to teachers and other educational support staff.

• Future Dream Education Savings: Every parent has dreams for a bright and stable future for their children. Let us help take the 1st step towards achieving this dream. Set up an education savings club for your child, make regular deposits, and we’ll help you and your family plan a path to future financial stability. Click here to get started.
  

A Certificate of Deposit (CD) account is a special savings account where you deposit up to $10,000 for a set period of time, and receive a higher interest rate deposited back to the CD quarterly. 1st Bergen offers CD accounts with terms as short as 3 months and as long as 5 years. Visit the Rates page to see the currently available CD account terms.  

All 1st Bergen CD accounts can also be opened as Traditional Individual Retirement Accounts (IRAs), either through a transfer from another IRA account or as a direct contribution, subject to IRS Contribution Limits. Please speak to a representative to learn more about IRA CDs.

Are you ready to teach your children about responsible spending and saving? Jumpstart their financial future at 1st Bergen!  

• Kids Savings Accounts: Open a savings or CD account in your child’s name to teach them the basic tools of finance and set them up for a responsible financial future. These custodian accounts are available for children under 16.  

• Teen Accounts: Whether you are starting your first job or trying to save for the future, Bergen is the perfect place to start your financial journey as a young adult. Open a savings and checking account with no minimum balance and receive a 1st Bergen Visa® Debit Card and access to all of 1st Bergen’s account services. These accounts are available for 16- and 17-year-olds with an adult joint owner.