|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Raritan Bay Federal Credit Union Rates & Review November 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: October 28, 2026
Raritan Bay Federal Credit Union's CD (CD) - 6 month rates are at 2.75%, CD (CD) - 12 month rates are at 2.50%, CD (CD) - 24 month rates are at 2.00%, CD (CD) - 36 month rates are at 1.10%, CD (CD) - 48 month rates are at 0.70%. Raritan Bay Federal Credit Union's savings rates are at 0.05%. Raritan Bay Federal Credit Union's money market rates are at 2.00%. Raritan Bay Federal Credit Union's checking rates are as high as 0.05%. Raritan Bay Federal Credit Union's Personal Loan Rates are as low as 8.74%. Raritan Bay Federal Credit Union's Credit Card Rates are at 10.99%. Raritan Bay Federal Credit Union's CD rates are 47% lower than the MonitorBankRates national average, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Raritan Bay Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.93%. Rates last updated and verified on 10/28/2026. Raritan Bay Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Raritan Bay Federal Credit Union? Share your experience about Raritan Bay Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Raritan Bay Federal Credit Union. Raritan Bay Federal Credit Union
Main Office 491 Raritan St
https://www.rbfcu.coop/ Sayreville, NJ 08872-1442  Customer Reviews
5.0 ★ 2 reviews
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Raritan Bay Federal Credit Union CD Rates
Raritan Bay Federal Credit Union Savings Rates
Raritan Bay Federal Credit Union Money Market Rates
Raritan Bay Federal Credit Union Checking Rates
Raritan Bay Federal Credit Union Home Equity & HELOC
Raritan Bay Federal Credit Union Auto Loan Rates
Raritan Bay Federal Credit Union RV, Boat and Powersport Loan Rates
Raritan Bay Federal Credit Union Credit Card Rates
Raritan Bay Federal Credit Union Personal Loan Rates
Raritan Bay Federal Credit Union Other Rates
Financial Health HistoryRaritan Bay Federal Credit Union’s Texas Ratio rose from 3.59% in Q3 2023 to 4.93% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 4.8 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
Powered by
MonitorBankRates
How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Raritan Bay Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Raritan Bay Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Raritan Bay Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Raritan Bay Federal Credit Union
Website
https://www.rbfcu.coop/
Address
491 Raritan St,
Sayreville, NJ 08872-1442
Phone
732-727-3500
Fax
732-727-2527
President
Andrew Zaborney
CEO
Jodi Blazas
Full-Time Employees
17
Part-Time Employees
7
Branch Locations
1
ATM Locations
1
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.93%
Return on Assets (ROA)
0.5826%
Return on Equity (ROE)
6.6280%
Non-Performing Loans Ratio (NPL)
1.24%
Total Assets
107,550,141
Total Amount of Shares and Deposits
98,043,321
Total Shares and Deposits < 1 Year
97,684,909
Total Shares and Deposits 1 3 Years
225,029
Total Shares and Deposits > 3 Years
133,382
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,193,853
Total Uninsured Shares and Deposits > $250K (F+J)
3,193,853
Total Insured Shares and Deposits > $250K (item 17 less item K)
94,849,468
Total Interest Expense (Sum of items 6 8)
213,943
Share Certificates
423
Number of Accounts for Share Drafts
3,461
IRA KEOGH Accounts
151
Number of Accounts for Regular Shares
8,261
Money Market Shares
141
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,616,506
Total Liabilities
98,922,399
Source: NCUA — Last Updated 06/30/2026
Customer ReviewsMonica
March 2, 2026
opened an account in person today, very nice and helpful rep.
Greg
January 21, 2026
I\'ve been using Raritan Bay for a while now, I\'m very happy with the customer service.
Want to discuss Raritan Bay Federal Credit Union with other members?
Visit our Community Reviews hub to see all reviews, ask questions, and join the conversation.
Add Your Rating and Review for Raritan Bay Federal Credit Union
Frequently Asked Questions About Raritan Bay Federal Credit UnionDoes Raritan Bay Federal Credit Union offer CDs?Yes. Raritan Bay Federal Credit Union current CD rates include its CD (CD) - 6 month at 2.75% APY, its CD (CD) - 12 month at 2.50% APY and its CD (CD) - 24 month at 2.00% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from Raritan Bay Federal Credit Union NCUA insured?Yes. Raritan Bay Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Raritan Bay Federal Credit Union?The highest Raritan Bay Federal Credit Union CD rate is its IRA 6 month CD at 2.75% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does Raritan Bay Federal Credit Union offer?Raritan Bay Federal Credit Union CD rates are 2.75% APY for a 6 month CD, 2.50% APY for a 12 month CD, 0.10% APY for an 18 month CD, 2.00% APY for a 2 year CD, 1.10% APY for a 3 year CD and 0.70% APY for a 4 year CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Raritan Bay Federal Credit Union for its full lineup. What is the highest savings rate at Raritan Bay Federal Credit Union?The highest Raritan Bay Federal Credit Union savings rate is its IRA Savings Account at 0.05% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest money market rate at Raritan Bay Federal Credit Union?The highest Raritan Bay Federal Credit Union money market rate is its Money Market Accounts at 2.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at Raritan Bay Federal Credit Union?The highest Raritan Bay Federal Credit Union checking rate is its Rewards Checking at 0.05% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest auto loan rate at Raritan Bay Federal Credit Union?The lowest Raritan Bay Federal Credit Union auto loan rate is its New Auto Loans at 4.74% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest personal loan rate at Raritan Bay Federal Credit Union?The lowest Raritan Bay Federal Credit Union personal loan rate is its Personal Loans at 8.74% APR, verified by MonitorBankRates as of October 28, 2026. What is the lowest credit card APR at Raritan Bay Federal Credit Union?The lowest Raritan Bay Federal Credit Union credit card APR is its Visa Classic Credit Card at 10.99% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does Raritan Bay Federal Credit Union operate?Raritan Bay Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Raritan Bay Federal Credit Union?Yes, to access services at Raritan Bay Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Raritan Bay Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Raritan Bay Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Raritan Bay Federal Credit Union offer online and mobile banking?Most modern institutions like Raritan Bay Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rbfcu.coop/. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Raritan Bay Federal Credit Union rates compare?Raritan Bay Federal Credit Union's CD rates are 47% lower than the MonitorBankRates national average, and it has an A+ health rating. Raritan Bay Federal Credit Union's top rates are its IRA 6 month CD at 2.75% APY, its IRA Savings Account at 0.05% APY, its Money Market Accounts at 2.00% APY, its Rewards Checking at 0.05% APY, its Personal Loans at 8.74% APR and its Visa Classic Credit Card at 10.99% APR, verified by MonitorBankRates on October 28, 2026. Current Raritan Bay Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Voyage Federal Credit Union
Priority First Federal Credit Union
Foothills Federal Credit Union
Regional Members Federal Credit Union
Bayou City Federal Credit Union
Chula Vista City Employees Federal Credit Union
Erie Community Credit Union
Red Rocks Credit Union
SP Trainmen Federal Credit Union
Hershey Robinson Employees Credit Union
The Morning Star Federal Credit Union
The Family First Federal Credit Union
American Heritage Federal Credit Union
Responders Emergency Services Credit Union
Port of Houston Credit Union
Huntington Beach Credit Union
Southeast Missouri Community Credit Union
Emporia State Federal Credit Union
Crane Credit Union
BMI Federal Credit Union
Corner Stone Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
