Bay Ridge Federal Credit Union


1750 86th St
Brooklyn, NY 11214
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Notable Rates APY Vs.Others
Savings N.A. 5.55% →
1-Year CD N.A. 5.41% →
2-Year CD N.A. 5.00% →
5-Year CD N.A. 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Bay Ridge is an NCUA insured institution located in Brooklyn, NY. It was founded in 1934 and has approximately $183.02 millions in assets.

Who can join?

The union serves those who meet any of the following qualifications:

Bay Ridge Consumer Federation

Corporate Limousine Groups

All City
Big Apple Car
Charge & Ride
Concord Limousine, Inc.
Dial Car, Inc.
Executive Charge, Inc.
Vital Transportation, Inc.
XYZ Two Way Radio Service

Adelphi Academy
Saint Athanasius R.C. Church
St. Patrick's School
Xaverian High School
Community Organizations

Liberty Association of NY
Bay Ridge Volvo-Honda Group
Bay Ridge Comm Svc Center
Brooklyn Consumer Federation
Bravo Vol. Ambulance Svc.
Brooklyn Economic Devel. Corp.
Margaret Tietz Nursing & Rehab
Metropolitan Detention Center
The Guild for Exception Children
Intl Longshoreman's Association

ILA Local 824
ILA Local 958
ILA Local 976
ILA Local 1171
ILA Local 1277
ILA Local 1716
ILA Local 1814
American Sugar
American Warehousing
American Stevedoring
Duro Bag
Industrial Acoustics
Community Districts

Brooklyn Community District 7
Brooklyn Community District 10
Brooklyn Community District 11
Brooklyn Community District 13
Brooklyn Community District 15

If you are a credit union member, your immediate family may also join. (Immediate family includes the spouse, children, parents, brothers, sisters, grandparents, and grandchildren.) Also, household members sharing living expenses with a member are eligible to join.

NCUA Insured Yes / Federally Chartered
Charter Number # # 78
Date Established 1934
Assets $183.02 million
Loans $170.21 million
Deposits $171.77 million
Capital $9.82 million

Field of Membership Restrictions

Membership is open to those who live in Brooklyn Community Districts 7, 10, 11,13, 15 and a select group of community organizations, schools, limousine groups, and longshoreman's associations.

Deposit Rates - April 14, 2024

Your Current Location: Virginia, VA 20146

We do not yet have rates for Bay Ridge

We're working to get deposit rates for every credit union in the world. Please bare with us until we are able to get rates for this credit union.

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Advertiser Disclosure

Loan Rates - April 14, 2024

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Bay Ridge

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Learn More
Tomo Mortgage, LLC.
NMLS ID: 2059741
6.652% 6.500% 1.00 $5,085 $2,023 Learn More
Rocket Mortgage
NMLS ID: 3030
7.602% 7.500% 1.00 $3,200 $2,238 Learn More
NMLS ID: Not a Lender
Learn More
NMLS ID: Not a Lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.490 %
$0 Learn More
More Info

Note to Bay Ridge
To upload and update your bank's rates please register. It is free to register and add rates.


Below are Bay Ridge branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Bay Ridge Locations

Climate Policy and Initiatives

BAY RIDGE is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

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Financial Details

Bay Ridge Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bay Ridge. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Bay Ridge U.S. Average
16.12% 6.97

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of December 31, 2023, Bay Ridge had $61,769 in non-current loans and $3,079,026 in owned assets. To cover these potential losses it had $9,824,851 in net worth and $9,660,938 in loans loss reserves. That gives it a Texas Ratio of 16.12%.

Net Worth
Bay Ridge U.S. Average
5.36% 13.62%

Bay Ridge FCU has a net worth of 5.36% versus the BestCashCow average of 13.62. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Customer Reviews for Bay Ridge

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