Raritan Bay


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

Notable Rates APY Vs.Others
Savings 0.05% 0.65% →
1-Year CD 0.55% 0.70% →
2-Year CD 0.54% 0.75% →
5-Year CD N.A. 1.15% →
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

Raritan Bay is an NCUA insured institution located in Sayreville, NJ. It was founded in 1941 and has approximately $109.53 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 4726
Date Established 1941
Assets $109.53 million
Loans $39.87 million
Deposits $102.60 million
Capital $6.82 million

Field of Membership Restrictions

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

Deposit Rates - July 28, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
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 - July 28, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
CIT Bank
NMLS ID: 541760
2.846% 2.775% 0.88 $2,312 $1,024 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
More Info
BMO Harris Bank
BMO Harris Bank
See Table
4.840 %
$0 Learn More
More Info
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 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.

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Raritan Bay Locations

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
8.91% 4.38

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 March 31, 2021, Raritan Bay had $647,145 in non-current loans and $0 in owned assets. To cover these potential losses it had $6,824,755 in net worth and $438,143 in loans loss reserves. That gives it a Texas Ratio of 8.91%.

Net Worth
Raritan Bay U.S. Average
6.78% 12.20%

Raritan Bay FCU has a net worth of 6.78% versus the BestCashCow average of 12.20. 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 Raritan Bay

Branches and Savings

What is Raritan Bay?

A federal credit union, registered with the NCUA under certificate #4726.
Learn more about credit unions here.

Is Raritan Bay 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. Raritan Bay is insured by the NCUA.

Who can join Raritan Bay?

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

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

Raritan Bay'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 Raritan Bay?

Raritan Bay has total capital of $6.82 million. Full information on Raritan Bay's financial position is located above.

Who owns Raritan Bay?

Credit Unions are owned by their members.

Where are Raritan Bay branches located?

See branch locations nearby.

Are Raritan Bay ATMs Open 24/7?

Do Raritan Bay ATMs accept cash deposits?

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

Does Raritan Bay have a mobile app?

Does Raritan Bay have mobile deposit?

Does Raritan Bay have quick pay?

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

Does Raritan Bay report to credit bureaus?

Does Raritan Bay use Chexsystems?

Does Raritan Bay use Equifax?

What is Raritan Bay's toll free phone number?

What is Raritan Bay's ACH Routing Number?

What is Raritan Bay's SWIFT code?

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

What is the Raritan Bay address for deposits?

What Products Does Raritan Bay Offer

Does Raritan Bay offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Raritan Bay offer auto and RV loans?

Compare auto loan rates here.

Does Raritan Bay offer student loans or personal loans?

Compare personal loan rates here.

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