Raritan Bay Federal Credit Union
Headquarters
491 Raritan Street
Sayreville, NJ 08872
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2024 Overview
General Credit Union Information
Raritan Bay is an NCUA insured institution located in Sayreville, NJ. It was founded in 1941 and has approximately $106.21 millions in assets.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 4726 |
| Date Established | 1941 |
| Assets | $106.21 million |
| Loans | $34.59 million |
| Deposits | $100.83 million |
| Capital | $7.24 million |
Field of Membership Restrictions
Membership is open to those who live, work, worship or attend school in Middlesex County.
Deposit Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.05% | $2,500 | $4,999 |
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|
|
Money Market
|
0.20% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.55% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.55% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.54% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.54% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Rewards Checking | 0.05% | $0 | $0.00 | Learn More |
Loan Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
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|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.987% | 6.875% | 0.50 | $3,661 | $2,103 | Learn More |
NMLS ID: 3030 |
7.350% | 7.250% | 1.00 | $3,200 | $2,183 | Learn More |
NMLS ID: Not a Lender |
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Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$0 |
Learn More
More Info |
Note to Raritan Bay
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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:
Columbus,Ohio
Climate Policy and 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.
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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 |
|---|---|
| 2.52% | 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, Raritan Bay had $191,175 in non-current loans and $0 in owned assets. To cover these potential losses it had $7,236,471 in net worth and $359,008 in loans loss reserves. That gives it a Texas Ratio of 2.52%.
Net Worth
| Raritan Bay | U.S. Average |
|---|---|
| 6.81% | 13.62% |
Raritan Bay FCU has a net worth of 6.81% 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 Raritan Bay
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