Raritan Bay Federal Credit Union


Overview / Commentary
732-727-3500
491 Raritan St
Sayreville, NJ 08872

Raritan Bay Federal Credit Union is headquartered in Sayreville and is the 28th largest credit union in the state of New Jersey. It is also the 1,769th largest credit union in the nation. It was established in 1941 and as of September of 2023, it had grown to 19 employees and 9,177 members at 1 location. Raritan Bay Federal Credit Union's CD rates are 3X the national average, and it has a B health rating.

Field of Membership Restrictions

Raritan Bay Federal Credit Union offers membership to those who live, work, worship, or attend school in Middlesex County, New Jersey.
See current membership details

Reviews (2)

Cap Reduced

Posted by: |

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.



Health

Health Grade Components

Overall
NCUA #4726
Year Chartered1941
Employees19
Primary Regulator
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD7.93%
Annual Interest Income$2.3MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$105.8MM$110.8MM
LoansQ3 2023vs Q3 2022$34.9MM$33.7MM
DepositsQ3 2023vs Q3 2022$101.5MM$107.7MM
Equity CapitalQ3 2023vs Q3 2022$3.2MM$2.4MM
Loan Loss AllowanceQ3 2023vs Q3 2022$394K$302K
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$270K$359K
Real Estate OwnedQ3 2023vs Q3 2022$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%--Holiday Club
0.05%--Vacation Club
0.02%$100-IRA Savings Account
0.02%$100-Savings Account
0.02%--First Step

Raritan Bay Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%*$10k*-Money Market Account
OTHER TIERS: 0.25% $2.5k - $10k

Raritan Bay Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%*-$10kRewards Checking
OTHER TIERS: 0.03% $10k+

Raritan Bay Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$1k-6 Month CD
3.00%$1k-12 Month CD
2.00%$1k-24 Month CD
1.10%$1k-36 Month CD
0.70%$1k-48 Month CD
0.10%$1k-18 Month CD

Raritan Bay Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$1k-6 Month IRA
3.00%$1k-12 Month IRA
2.00%$1k-24 Month IRA
1.10%$1k-36 Month IRA
0.70%$1k-48 Month IRA
Locations


Raritan Bay Federal Credit Union Locations
Branch Office491 Raritan StSayreville, NJ 08872-1442

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