Raritan Bay Federal Credit Union

Overview / Commentary
491 Raritan St
Sayreville, NJ 08872

Raritan Bay Federal Credit Union is headquartered in Sayreville and is the 27th largest credit union in the state of New Jersey. It is also the 1,749th largest credit union in the nation. It was established in 1941 and as of June of 2023, it had grown to 19 employees and 9,289 members at 1 location. Raritan Bay Federal Credit Union's CD rates are 6X the national average, and it has a C+ 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 Grade Components

NCUA #4726
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.21%
Return on Equity - YTD7.28%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ2 2023vs Q2 2022$108.7MM$115.5MM
LoansQ2 2023vs Q2 2022$33.2MM$33.2MM
DepositsQ2 2023vs Q2 2022$104.3MM$108.5MM
Equity CapitalQ2 2023vs Q2 2022$3.2MM$4.1MM
Loan Loss AllowanceQ2 2023vs Q2 2022$0$321.00K
Unbacked Noncurrent LoansQ2 2023vs Q2 2022$360.00K$462.00K
Real Estate OwnedQ2 2023vs Q2 2022$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

0.05%--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

0.50%*$10k*-Money Market Account
OTHER TIERS: 0.25% $2.5k - $10k

Raritan Bay Federal Credit Union Checking Account Rates

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

Raritan Bay Federal Credit Union CD Rates

5.15%$1k-6 Month CD
5.00%$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

2.50%$1k-12 Month IRA
2.00%$1k-24 Month IRA
1.10%$1k-36 Month IRA
0.70%$1k-48 Month IRA
0.10%$1k-6 Month IRA

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

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