RSI Bank

Overview / Commentary

732-388-1800

1500 Irving Street
Rahway, NJ 07065

RSI Bank is headquartered in Rahway and is the 36^th largest bank in the state of New Jersey. It is also the 1,444^th largest bank in the nation. It was established in 1851 and as of December of 2021, it had grown to 72 employees at 4 locations. RSI Bank has an A health rating.

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2020
2015

1/6 - RSI Bank (NJ) Offers 10-Month CD (2.10% APY) Statewide

4/30 - RSI Bank (25-Mo CD, 2%APY)

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Health

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	12017
Year Established	1851
Employees	72
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.35%
Return on Equity - YTD	2.41%
Annual Interest Income	$17.1MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$625.6MM$606.4MM
Loans	Q4 2021vs Q4 2020	$349.6MM$370.1MM
Deposits	Q4 2021vs Q4 2020	$515.3MM$487.7MM
Equity Capital	Q4 2021vs Q4 2020	$92.0MM$88.1MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$5.4MM$5.1MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$9.6MM$7.1MM
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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

RSI Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$10	-	Statement Savings
0.05%	$10	-	Passbook Savings
0.05%	$100	-	Green IRA
0.05%	$50	-	Holiday Club
0.05%	$10	$100k	Go Digital! Savings

RSI Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%^*	$50k^*	-	Money Market
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $50k
0.20%^*	$50k^*	-	Business Money Market
OTHER TIERS: 0.10% → $1k - $10k \| 0.15% → $10k - $50k
0.15%^*	$25k^*	-	Go Digital! Money Market
OTHER TIERS: 0.10% → $5k - $25k

RSI Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$10k^*	-	I-Checking
OTHER TIERS: 0.05% → $500 - $1k \| 0.10% → $1k - $10k
0.25%^*	$10k^*	-	Go Digital! Interest Checking
OTHER TIERS: 0.05% → $500 - $1k \| 0.10% → $1k - $10k

RSI Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%	$1k	-	36 Month CD
1.35%	$1k	-	48 Month CD
1.35%	$1k	-	60 Month CD
1.35%	$1k	-	Business 36 Month CD
1.35%	$1k	-	Business 48 Month CD
1.35%	$1k	-	Business 60 Month CD
1.10%	$1k	-	24 Month CD
1.10%	$1k	-	Business 24 Month CD
0.50%	$1k	-	18 Month CD
0.50%	$1k	-	Business 18 Month CD
0.40%	$1k	-	12 Month CD
0.40%	$1k	-	Business 12 Month CD
0.05%	$1k	-	3 Month CD
0.05%	$1k	-	Business 3 Month CD

RSI Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.35%	$250	-	36 Month IRA
1.35%	$250	-	48 Month IRA
1.35%	$250	-	60 Month IRA
1.10%	$250	-	24 Month IRA
0.50%	$250	-	18 Month IRA
0.40%	$250	-	12 Month IRA

Locations

RSI Bank Locations
Rsi Bank	1500 Irving Street	Rahway, NJ 07065
Rsi Bank	2401 St. Georges Avenue	Rahway, NJ 07065
Colonia Branch	427 Lake Avenue	Colonia, NJ 07067
Woodbridge Branch	408 Rahway Avenue	Woodbridge, NJ 07095

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