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Raritan Bay Federal Credit Union

Popular Accounts at this Credit Union

1.25%Reward CheckingKasasa Cash
0.25%Reward SavingsKasasa Saver
0.18%1-year CD12 Month CD

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

Raritan Bay Federal Credit Union is headquartered in Sayreville and is the 34th largest credit union in the state of New Jersey. It is also the 1,768th largest credit union in the nation. It was established in 1941 and as of September of 2016, it had grown to 25 employees and 10,875 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.

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 - YTD-0.01%
Return on Equity - YTD-0.11%
Annual Interest Income$2.1MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$83.3MM$78.4MM
LoansQ3 2016vs Q3 2015$38.3MM$38.9MM
DepositsQ3 2016vs Q3 2015$77.1MM$72.3MM
Equity CapitalQ3 2016vs Q3 2015$5.9MM$5.8MM
Loan Loss AllowanceQ3 2016vs Q3 2015$367.00K$494.00K
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$448.00K$684.00K
Real Estate OwnedQ3 2016vs Q3 2015$0$0
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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

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

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

Raritan Bay Federal Credit Union Checking Account Rates

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

Raritan Bay Federal Credit Union CD Rates

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

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

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