Overview / Commentary
491 Raritan St
Sayreville, NJ 08872-1442

Raritan Bay Federal Credit Union is headquartered in Sayreville and is the 32nd largest credit union in the state of New Jersey. It is also the 1,753rd largest credit union in the nation. It was established in 1941 and as of December of 2018, it had grown to 23 employees and 11,478 members at 2 locations. Raritan Bay Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Raritan Bay Federal Credit Union offers membership to those who work, worship, live or attend school in Middlesex County.
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Reviews (2)

Cap Reduced

Posted by: dzilber | May 6, 2011

The cap has been reduced from 20K to 10K according to CU website

Awful Bank Avoid It

Awful bank. I wanted to freeze my account because I was switching banks and they refused to freeze it I informed them that if anything got debited there would be no way to cover it. They stated basically too bad I will get a fee. Awful bank. Oh yeah during sandy they would only let you take out 100 dollars at a time no matter your balance in your account. Awful awful bank so many other credit unions out there that are better.

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Raritan Bay Federal Credit Union has a relatively low asset base.

Health Grade Components

NCUA #4726
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.41%
Return on Equity - YTD5.87%
Annual Interest Income$3.4MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$85.8MM$84.0MM
LoansQ4 2018vs Q4 2017$52.0MM$43.3MM
DepositsQ4 2018vs Q4 2017$79.6MM$78.0MM
Equity CapitalQ4 2018vs Q4 2017$6.0MM$5.9MM
Loan Loss AllowanceQ4 2018vs Q4 2017$377.00K$323.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$936.00K$627.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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Always verify rates and promotions with the bank or credit union. We are not Raritan Bay Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Raritan Bay Federal Credit Union Savings Account Rates

0.10%--Holiday Club
0.10%--Vacation Club
0.10%-$10kKasasa Saver
0.05%$100-IRA Savings Account
0.05%$100-Savings Account

Raritan Bay Federal Credit Union Money Market Rates

0.40%*$10k*-Money Market Account
OTHER TIERS: 0.20% $2.5k - $5k | 0.30% $5k - $10k
0.40%*$500*$1kStudent-Branch Mini-Market Account
OTHER TIERS: 0.15% $1k - $2k | 0.18% $2k - $2.5k | 0.20% $25 - $250 | 0.30% $250 - $500

Raritan Bay Federal Credit Union Checking Account Rates

0.60%*-$10kKasasa Cash
OTHER TIERS: 0.10% $10k+

Raritan Bay Federal Credit Union CD Rates

2.50%$5k-30 Month New Money CD Special
2.00%$5k-9 Month New Money CD Special
1.20%$1k-7 Month CD Special
0.75%$1k-48 Month CD
0.50%$1k-36 Month CD
0.35%$1k-24 Month CD
0.20%$1k-18 Month CD
0.18%$1k-12 Month CD
0.15%$1k-6 Month CD

Raritan Bay Federal Credit Union IRA Rates

0.75%$1k-48 Month IRA
0.50%$1k-36 Month IRA
0.35%$1k-24 Month IRA
0.18%$1k-12 Month IRA
0.15%$1k-6 Month IRA

Raritan Bay Federal Credit Union Locations
Branch Office491 Raritan StSayreville, NJ 08872-1442
Branch Office93 Main StSouth River, NJ 08882

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