About Us

 

Why Join 
Financial Information 

Board, Committees and Staff 

Locations & Hours 
Fee Schedule
ATM Locations 
32,000 FREE ATMs - NO Sur-Charges     
 
Over 3,300 Shared Branches 

                        Over 3,100 Shared Branches to Serve You


Novartis Federal Credit Union
was organized over 60 years ago in January, 1947. It is a non-profit, cooperative financial institution that promotes savings and provides a fund from these savings to make loans to its members..

The mission of the Credit Union is to provide the highest quality professional services to each member.

Why Join?

Our Credit Union is a non-profit organization which is owned and operated by its members, who elect a Board of Directors annually. As a member of Novartis Federal Credit Union, you have a say in how you receive financial services.

Net Income is distributed to the membership in the form of dividends. Historically, the Credit Union's Dividend Rates are paid well above current rates for similar products. In addition, our Loan Rates are normally below market rates for similar products.

Membership is the heart of the Credit Union. You are eligible to join if you belong to one of these groups.

All Employees, Retirees and Immediate Family Members Living in Household of:

  • Novartis Pharmaceuticals Corporation (Nationwide)
  • Novartis Consumer Health Division (Nationwide)
  • Sandoz Pharmaceuticals (Nationwide)
  • Novartis Institute for Biomedical Research, Inc. (NIBRI, Cambridge MA)
  • Novartis US Corporate Offices
  • Novartis Opthalmics (Nationwide)
  • Novartis Agri-Business Division (Nationwide)
  • Novartis Animal Health (NC)
  • Novartis Nutrition Division (MN)
  • Gerber Products Company (Nationwide)
  • Geonomics Institute of the Novartis Research Foundation (CA)
  • Novartis Regulatory Liason Office 
  • Ciba Vision Corporation (GA)
  • Ciba Specialty Chemicals (Nationwide)
  • Huntsman Advanced Materials
  • Chiron
  • Syngenta Crop Protection
  • Ilford Imaging
  • Robertson Microlit Laboratories
  • Exlax (PR)
  • All Field Force Employees of the above companies 

Financial Information

Credit Union operations are audited regularly by the Supervisory Committee and by unscheduled visits of the federal examiners who check on all aspects of operations.

The National Credit Union Administration regulates and examines our Credit Union. In addition, they maintain and insure your funds up to $100,000 through the National Credit Union Share Insurance Fund. IRA Accounts are insured up to $250,000. During the past few years, your credit union has earned the highest rating available, demonstrating excellence in sound financial strength.

Our Credit Union maintains the highest 5-Star Rating for superior financial strength and quality member service given by the Bauer Financial Group.

Financial Information as of June 30, 2008

Assets

Liabilities & Equity

Loans

57,749,673

Accounts Payable

426,640

Investments

36,246,158 Members Shares  90,225,969

Other Assets

6,257,539 Retained Earnings 9,600,761

Total Assets

100,253,370 Total Liabilities & Equity 100,253,370

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Board, Committees, and Staff

Board of Directors

Chair:

 
Michael Hatolski
Vice Chair:
 
Frank Unger

Treasurer:

 
Ann M. South

Secretary:

 
Dan Shatynski
Supervisory Committee Liaison:
 
Chris Mills
Credit Committee Liaison:
 
Arthur Belfiore

Other Directors:
Jenney Bencivengo 
Maureen Crowe
Lillian Palmieri
 

The Board of Directors is elected annually by the membership at the Annual Meeting. They serve rotating 3 year terms. These individuals are highly committed volunteers. The success of our Credit Union can be directly attributed to the dedication of these individuals.

 

Supervisory Committee

Chairman:

 
Sharon Dixon
Committee Members: 
 
AnnMarie Earle
Chris Mills
 
The all volunteer Supervisory Committee is appointed by the Board of Directors. The function of the Supervisory Committee is to watch over the Board and Staff to ensure safety and soundness of the Credit Union. It is their responsibility to conduct and oversee the audits and examinations of the Credit Union.

 

Credit Committee

Chairman:

 
Arthur Belfiore
Committee Members:
 
Wanda Collins
Paul Drzik
Joe Jagiello
Michelle Lewis

 

The all volunteer Credit Committee is elected by the membership at the Annual Meeting. Their responsibilities include the overseeing of loan approvals and disbursements. Many hours are devoted to the Credit Union membership by each of these individuals. They work closely with the office staff in providing the membership with prompt responses on loan applications.

 

Office Staff

President/CEO:

 
Ann M. South
Vice President of Finance:
 
Charles Sette
Director of Informaton Tech:
 
Mike Shanahan
Director of Operations:
 
Linda Rheiner
Administrative Assistant:
Marketing Specialist:
Stephen DiGioia
Gina Scalisi
Branch Services Managers:

 

Felicia Casale
Marianne Lorenzo-Mosca
Lending Services Manager:
 

Adele DiMatteo

Elelctronic Services Supervisor:
 
Diva Molina
Member Service Supervisors:
 
Michele Costa
Marjorie Guilluame
Mary Spaanstra
Connie Torrisi
Yvonne Uline

 Members Financial Planner: 

 

Shawn Adamo

 

Member Service Representatives

 

 

Electronic Services - Mark Parren and Gina Scalisi
Lending Services - Trish Hopkins, Althea Rankins
Branch Services -  Celeste Bryant, Kamna Gupta, Padma Rajagopal, 
        Michelle Salazar, Stephanie Snover and Nancy Thakkar.

 


 

OPEN Positions - Apply by Faxing Resume to Stephen DiGioia 973-947-0998
 
The office staff is available 8:00 am - 5:00 pm each day to answer any questions you may have about the Credit Union. Please do not hesitate to call   (973) 947-1000. Teller windows are open 9:00 am - 5:00 pm. The Drive Thru is open 8:00 am - 5:30 pm Monday - Friday.
Other branch office hours are listed below.
Remote Office Support Representatives
Ciba Specialty Chemicals, Tarrytown, NY
Ciba Specialty Chemicals, Brewster, NY
Geneva Generics, Princeton, NJ
 
Geneva Generics, Dayton, NJ
 
Building/Room Locations, and phone extensions for the Remote Office Support Reps can be found on their corresponding corporate intra-web site.

If you are working in an area where we have not yet established permanent office staff, please see one of the above individuals. They can be very helpful in answering your questions. In addition, they also maintain a supply of various handouts, applications, and forms for your convenience.

Without the superb assistance from the above individuals throughout the years, the Credit Union could not have become so successful. The Board of Directors, Committees, and Office Staff would like to extend our sincere appreciation for all these individuals have done for the membership.

Locations and Office Hours

Loan Department

Mailing Address:One Health Plaza
                        East Hanover, NJ  07936

 Overnight Address: 124 South Ridgedale Avenue
                              East Hanover, NJ  07936

Loan Dept. Phone:  973-947-1000
Loan Dept. FAX:    973-947-0999

Loans@NovartisFCU.org
Apply for a loan on-line 
Directions to the East Hanover Site

Mortgage Department

Toll Free - 1-877-885-4044
Over Night Address: 19 D Chapin Road
                              Pine Brook, NJ 07058

Mailing Address: P.O. Box 682
                         Pine Brook, NJ 07058

Loans@NovartisFCU.org
Apply for a Mortgage On-Line 
Review Your Mortgage Account On-Line

Ridgedale Avenue Office, East Hanover, NJ

124 South Ridgedale Avenue
East Hanover, NJ  07936

Teller Windows are open Monday-Friday, 9:00 am - 5:00 pm
Drive-Thru is open Monday - Friday 8:00 am - 5:30 pm

The Ridgedale Avenue is located next door to the Ridgedale gate of Novartis Pharmaceutical Corporation.

East Hanover, New Jersey Campus Offices - Badge Access Only

One Health Plaza
Building 405 & Building 432
East Hanover, NJ  07936

Teller Windows are open Monday-Friday, 8.30 am - 5:00 pm
Loan Interviewers and Member Service Representatives are available
8:15 am - 5:00 pm 
Directions to the East Hanover Site

Suffern, New York - Badge Access Only

25 Old Mill Road
Suffern, NY 10901

Suffern office hours are:
      Monday 7:00 am - 3:00 pm 
      Tuesday 9:00 am to 2:00 pm.
      Wednesday 9:00 am - 4:00 pm
      Thursday 9:00 am to 2:00 pm.
      Friday from  9:00 am - 3:00 pm

Directions to Suffern, NY 

Parsippany, New Jersey - Badge Access Only

200 Kimball Drive 
Parsippany, NJ 07054

Phone: 973-503-8210
FAX: 973-503-8213
Parsippany@NovartisFCU.org  
C.U.P.I.D: 888-826-LOVE (5683)
            CUPID is our 24-Hour Touch Tone Teller
            e-CUPID - Account access @ your finger tips
 
            ARROW - Free Bill Payer - Pay Anyone, Anytime 

Teller Windows are open Monday-Friday, 12.30 pm - 4:00 pm

Park Avenue - Florham Park, New Jersey - Badge Access Only

180 Park Avenue, Bldg. 105 
Florham Park, NJ 07932

Phone: 862-778-5289
FAX: 973-781-5351
FlorhamPark@NovartisFCU.org
C.U.P.I.D: 888-826-LOVE (5683)
            CUPID is our 24-Hour Touch Tone Teller
            e-CUPID - Account access @ your finger tips
            ARROW - Free Bill Payer - Pay Anyone, Anytime

Teller Windows are open Monday-Friday, 8.30 am - 3:30 pm

Directions to Florham Park

Vreeland Road - Florham Park, New Jersey -  Notify First                                                    Floor Receptionist Then  Proceed                                                    To Second Floor Lobby for Access

12 Vreeland Avenue, Bldg. 112, 2nd Floor Lobby 
Florham Park, NJ 07932

Phone: 973-593-7681
FAX: 973-593-7699
Vreeland@NovartisFCU.org
C.U.P.I.D: 888-826-LOVE (5683)
            CUPID is our 24-Hour Touch Tone Teller
            e-CUPID - Account access @ your finger tips
            ARROW - Free Bill Payer - Pay Anyone, Anytime

Teller Windows are open Monday-Friday, 8.00 am - 11:00 am

ATM Locations

Novartis FCU owned ATM Locations are Sur-Charge Free!

32,000 Nationwide Additional Sur-Charge Free ATMs.

124 South Ridgedale Avenue- Just south of the Novartis East Hanover campus. Walk-in ATM available 9 - 5 Monday - Friday.

East Hanover Campus - Buildings 101, 419, 701 (With Credit Union Account Depositories & Stamps)    
Buildings 122, 405, 432, 438 (Cash & Stamps Only)

Florham Park Rockefeller Campus - Building 104 - 1st Floor near Cafeteria Entrance, Building 105 - Plaza Level Break Room (Cash & Stamps Only)

Florham Park Vreeland Campus - Building 112 (12 Vreeland Rd) - 1st Floor near Cafeteria Entrance (Cash & Stamps Only)

Parsippany (Consumer Health) Campus -  4th Floor (Cash & Stamps Only)

Suffern ( NY ) - Main Building (Cash & Stamps Only)

NIBRI (Cambridge, MA) -  100 Technology Square 1st Floor & 250 Mass Ave 1st Floor (Cash Only)


Fee Schedule

(Effective October 1, 2007)

CURRENT FEE SCHEDULE

ATM Withdrawals (after 10 free per month) . . . . . . . . . . . . . . $1.00

Canadian Deposit Item Processing Fee . . . . . . . . . . . . . . . . . $5.00

Certified Drafts . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .   $10.00

Check Cashing Fee for Non – Members . . . . . . . . . . . . . . . . . $5.00

Check Printing Charge . . . . . . . . . . . . . . . . . . .  . depends on style

Copy of Canceled Share Draft . . . . . . . . . . . . . . . . . . . . . . .  $5.00

Copy of Teller’s Check . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $5.00

Copy of Previous Government Reporting (1099, 1098) .  . . . . . $5.00

Copy of Previous Statement (Shares/Credit Card) . . . .  . . . . . $5.00

Copy of Debit/Credit Card Draft . . . . . . . . . . . . . . . . . . . . . . $5.00

Credit Card Cash Advances on Non-CU Cards ($10.00 minimum)
                                                                  
. . . 3% of face value

Club Withdrawals under $200 . . . . . . . . . . . . . . . . . . . . . . . . $5.00

Dormant Account Fee (per quarter) . . .  . . . . .  . . . . . . . . . . . $5.00

Early Closure of Holiday Club . . . . . . . . . . . . . . . . . . . . . . . . $5.00

Excessive Savings Withdrawal Fee (after 5 per month,
                                         
 each additional occurrence) . . . . $1.00

Foreign Deposit Item Conversion . . . . . . . . . . . . . . . . . . . .  $20.00

Gift Cheques ($25, $50, $100) . . . . . . . . . . . . . . . . . . . . . . . $2.50

Insufficient Funds Item . . . . . . . . . . . . . . . . . . . . . . . . . . .  $25.00

Interim Statement . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  . . $3.00

Incorrect Address Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $5.00

Late Payment on Consumer Loans (per occurence) . . . . . . . . . $5.00 

Levies/Garnishments/Judgments (per occurrence) . . . . . . . . . $20.00

Loan Refinancing Fee . . . . . . . . . . . . . . . . . . . . . . . . .  . . . $10.00

Money Orders (each) . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1.00

Outgoing Wire Transfers (Domestic) . . . . . . . . . . . . . . . . . . . $15.00

Outgoing Wirer Transfers (Foreign) . . . . . . .  . . . . . . . . . . . . $40.00

Outgoing Wire Transfers (Returned) . . . . . . . . . . . . . .. . . . . $20.00

Over the Limit VISA/Master Card Fee (per month) . . . . . . . . . $10.00

Over Draft Protection Transfer (after 6 per month,
                                   For each additional occurrence)
. . . . . . $5.00

Replacement of Lost Credit/Debit Card . . . . . . . . . . . . . . . . . . $5.00

Research on Accounts per hour (member errors) .. . . . . . . . . . $20.00

Return Deposited Items ($20.00 min.) . . . . . . . . . .  5% of face value

Share Draft Collection Item ($20.00 min) . . . . . . . . 20% of face value

Stop Payment Fee . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  $25.00

Third Party Check Withdrawals . . . . . . . . . . . . . . . . . . . . . .  .  $5.00

Traveler’s Cheques . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .  FREE

Western Union Money Transfer (domestic) .. . . . . . . . . . . . . .  $17.50

Western Union Money Transfer (International)  . . . . . . . call for pricing

Verification of Accounts/Letters of Account Status . .. . . . . . . . . . $5.00

 

 

     

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