Featured Savings Rates
Featured Accounts

Raritan Bay Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.25%Reward CheckingKasasa Cash
0.25%Reward SavingsKasasa Saver
0.25%1-year CD12 Month CD

Overview / Commentary
732-727-3500
491 Raritan St
Sayreville, NJ 08872-1442

Raritan Bay Federal Credit Union is headquartered in Sayreville and is the 33rd largest credit union in the state of New Jersey. It is also the 1,773rd largest credit union in the nation. It was established in 1941 and as of March of 2016, it had grown to 26 employees and 10,896 members at 3 locations. Raritan Bay Federal Credit Union has a B+ health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Middlesex County.
See current membership details

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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.



Health
B+
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

Overall
NCUA #4726
Year Chartered1941
Employees26
Primary Regulator
Profit Margin
Return on Assets - YTD-0.39%
Return on Equity - YTD-5.42%
Annual Interest Income$703.00K
Assets and Liabilities
AssetsQ1 2016vs Q1 2015$81.9MM$81.1MM
LoansQ1 2016vs Q1 2015$37.6MM$40.1MM
DepositsQ1 2016vs Q1 2015$75.9MM$74.9MM
Equity CapitalQ1 2016vs Q1 2015$5.8MM$5.8MM
Loan Loss AllowanceQ1 2016vs Q1 2015$413.00K$542.00K
Unbacked Noncurrent LoansQ1 2016vs Q1 2015$508.00K$796.00K
Real Estate OwnedQ1 2016vs Q1 2015$0$0
Rates
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* 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
0.25%*-$10kKasasa Saver
OTHER TIERS: 0.15% $10k+
0.10%--Holiday Club
0.10%--Vacation Club
0.10%$100-IRA Savings Account
0.10%$100-Roth IRA Savings Account
0.10%$100-Coverdell Education Savings Account
0.10%$100-Savings Account

Raritan Bay Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%$2,500-Money Market Account
0.15%$25$2,500Student-Branch Mini-Market Account

Raritan Bay Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+

Raritan Bay Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-48 Month CD
1.00%$1k-36 Month CD
0.70%$1k-24 Month CD
0.40%$1k-18 Month CD
0.25%$1k-12 Month CD
0.20%$1k-6 Month CD

Raritan Bay Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.25%$1k-48 Month IRA
1.00%$1k-36 Month IRA
0.70%$1k-24 Month IRA
0.25%$1k-12 Month IRA
0.20%$1k-6 Month IRA
Locations


Raritan Bay Federal Credit Union Locations
Branch Office502 Washington RdParlin, NJ 08859-1024
Branch Office491 Raritan StSayreville, NJ 08872-1442
Branch Office93 Main StSouth River, NJ 08882