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Rutgers Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.26%5-year CD60 Month CD
0.30%1-year CD12 Month CD
0.05%SavingsSavings Account

Overview / Commentary
732-932-7645
100 College Ave
New Brunswick, NJ 08901-1438

Rutgers Federal Credit Union is headquartered in New Brunswick and is the 32nd largest credit union in the state of New Jersey. It is also the 1,705th largest credit union in the nation. It was established in 1954 and as of June of 2016, it had grown to 16 employees and 9,585 members at 4 locations. Rutgers Federal Credit Union has a C+ health rating.

Field of Membership Restrictions

Must be an employee of Rutgers University, University of Medicine and Dentistry of New Jersey New Brunswick, RWJ Medical School Employees, Rutgers University Foundation or Rutgers Council of AAUP Chapter.
See current membership details

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Reviews (1)

Nothing Stellar, Just Steady

Posted by: RS1231 | May 18, 2011

Rutgers Fedral Credit Union is has just two branches.I have taken out two loans through the bank. On eissue is that studenst are allowed to work in ceratin capacitties at the bank. This can make it difficult when you have questions. There is alot of personla ocntact as the bank is so small. They are very efficient , however for larger loans , I recommend a larger instituton. The bank is well run and the support staff is wonderful.



Health
C+
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. Rutgers Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #9237
Year Chartered1954
Employees16
Primary Regulator
Profit Margin
Return on Assets - YTD0.61%
Return on Equity - YTD8.04%
Annual Interest Income$1.2MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$87.2MM$86.3MM
LoansQ2 2016vs Q2 2015$44.9MM$41.2MM
DepositsQ2 2016vs Q2 2015$79.8MM$79.2MM
Equity CapitalQ2 2016vs Q2 2015$6.7MM$6.5MM
Loan Loss AllowanceQ2 2016vs Q2 2015$579.00K$367.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$912.00K$224.00K
Real Estate OwnedQ2 2016vs Q2 2015$112.00K$155.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Rutgers Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.25%--Club Account
0.05%$250-Savings Account
0.05%--IRA Account

Rutgers Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$200k*-Money Market Account
OTHER TIERS: 0.05% $2k - $50k | 0.10% $50k - $100k | 0.15% $100k - $200k

Rutgers Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$500-60 Month CD
1.05%$500-48 Month CD
0.90%$500-36 Month CD
0.65%$500-24 Month CD
0.30%$500-12 Month CD
0.15%$500-6 Month CD

Rutgers Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$500-60 Month IRA
1.05%$500-48 Month IRA
0.90%$500-36 Month IRA
0.65%$500-24 Month IRA
0.30%$500-12 Month IRA
0.15%$500-6 Month IRA
Locations


Rutgers Federal Credit Union Locations
Branch Office326 Penn StCamden, NJ 08102-1410
Branch Office249 University AveNewark, NJ 07102-1808
Branch Office100 College AveNew Brunswick, NJ 08901-1438
Branch Office85 Davidson RdPiscataway, NJ 08854-5695