Bay Ridge Federal Credit Union


1750 86th St
Brooklyn, NY 11214
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.25% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 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 - October 22, 2021

Your Current Location: Connecticut, CT 06828

We do not yet have rates for Bay Ridge

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Advertiser Disclosure

Loan Rates - October 22, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
First Internet Bank
NMLS ID: 424182
2.946% 2.875% 0.88 $2,280 $1,038 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

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 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.

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% 3.79

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 June 30, 2021, 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% 12.22%

Bay Ridge FCU has a net worth of 5.36% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Bay Ridge

Branches and Savings

What is Bay Ridge?

A federal credit union, registered with the NCUA under certificate #78.
Learn more about credit unions here.

Is Bay Ridge FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Bay Ridge is insured by the NCUA.

Who can join Bay Ridge?

Please see Field of Membership information above for information on who is eligible to join.

What are Bay Ridge's share account and share certificate rates?

Bay Ridge's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Bay Ridge?

Bay Ridge has total capital of $9.82 million. Full information on Bay Ridge's financial position is located above.

Who owns Bay Ridge?

Credit Unions are owned by their members.

Where are Bay Ridge branches located?

See branch locations nearby.

Are Bay Ridge ATMs Open 24/7?

Do Bay Ridge ATMs accept cash deposits?

Can Bay Ridge customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Bay Ridge have a mobile app?

Does Bay Ridge have mobile deposit?

Does Bay Ridge have quick pay?

How can Bay Ridge transfer money to other banks or credit unions?

Does Bay Ridge report to credit bureaus?

Does Bay Ridge use Chexsystems?

Does Bay Ridge use Equifax?

What is Bay Ridge's toll free phone number?

What is Bay Ridge's ACH Routing Number?

What is Bay Ridge's SWIFT code?

Where can I find Bay Ridge's wire transfer form?

What is the Bay Ridge address for deposits?

What Products Does Bay Ridge Offer

Does Bay Ridge offer mortgages?

Compare mortgage rates here.

Does Bay Ridge offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bay Ridge offer auto and RV loans?

Compare auto loan rates here.

Does Bay Ridge offer student loans or personal loans?

Compare personal loan rates here.

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