Raritan Bay Federal Credit Union

Headquarters

491 Raritan Street
Sayreville, NJ 08872
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 4.01% →
1-Year CD 0.55% 4.50% →
2-Year CD 0.54% 4.73% →
5-Year CD N.A. 4.75% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 1.93% →

2022 Overview

General Credit Union Information

Raritan Bay is an NCUA insured institution located in Sayreville, NJ. It was founded in 1941 and has approximately $115.52 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4726
Date Established 1941
Assets $115.52 million
Loans $33.18 million
Deposits $108.47 million
Capital $7.00 million
 

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Middlesex County.

Deposit Rates - November 30, 2022

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.05% $2,500 $4,999 Learn More
Money Market
0.20% $2,500 $2,999 Learn More
Money Market
0.25% $10,000 $14,999 Learn More
Money Market
0.25% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.50% $10,000 $14,999 Learn More
6 Mo CD
0.50% $100,000 $199,999 Learn More
12 Mo CD
0.55% $10,000 $14,999 Learn More
12 Mo CD
0.55% $100,000 $199,999 Learn More
18 Mo CD
0.60% $10,000 $14,999 Learn More
18 Mo CD
0.60% $100,000 $199,999 Learn More
24 Mo CD
0.54% $10,000 $14,999 Learn More
24 Mo CD
0.54% $100,000 $199,999 Learn More
36 Mo CD
0.50% $10,000 $14,999 Learn More
36 Mo CD
0.50% $100,000 $199,999 Learn More
48 Mo CD
0.45% $10,000 $14,999 Learn More
48 Mo CD
0.45% $100,000 $199,999 Learn More
Checking Rates APY MIN FEE
Rewards Checking 0.05% $0 $0.00 Learn MoreShow Less

Loan Rates - November 30, 2022

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for RARITAN BAY

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 2022

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
6.125% 6.000% 1.00 $3,368 $1,499 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
7.779% 7.625% 1.00 $3,750 $1,770 Learn More
Eligibility.org
NMLS ID: 1907
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
6.490 %
After Intro: 7.500 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
6.240 %
$0 Learn More
More Info

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


 

Branches

Below are Raritan Bay 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:
Ashburn,Virginia


Raritan Bay Locations



Climate Initiatives

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

Financial Details

Raritan Bay Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Raritan Bay. 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
Raritan Bay U.S. Average
2.81% 4.24

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, 2022, Raritan Bay had $206,102 in non-current loans and $0 in owned assets. To cover these potential losses it had $7,000,426 in net worth and $321,431 in loans loss reserves. That gives it a Texas Ratio of 2.81%.

Net Worth
Raritan Bay U.S. Average
6.14% 12.40%

Raritan Bay FCU has a net worth of 6.14% versus the BestCashCow average of 12.40. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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