What are the current interest rates at Ridgedale Federal Credit Union?

Current rates for Ridgedale Federal Credit Union include: 12-Month CD: 3.25%, 24-Month CD: 3.00%, 60-Month CD: 3.00%, MMA: 0.40%

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Ridgedale Federal Credit Union

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Ridgedale Federal Credit Union Rates & Review April 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Ridgedale Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 18, 2026

Ridgedale Federal Credit Union's 11 Month CD Special rates are at 4.01%, 11 Month Special* CD rates are at 4.01%, 3 Month CD rates are at 3.50%, 12 Month CD rates are at 3.25%, 24 Month CD rates are at 3.00%. Ridgedale Federal Credit Union's money market rates are at 0.40%. Ridgedale Federal Credit Union's Personal Loan Rates are at 8.75%. MonitorBankRates evaluates the financial stability of Ridgedale Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.45%. Rates were last updated on 04/18/2026.

Ridgedale 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 Ridgedale Federal Credit Union? Share your experience about Ridgedale Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Ridgedale Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.45%

Excellent Lower than avg

Ridgedale Federal Credit Union
Ridgedale Office

124 S Ridgedale AVe
East Hanover, NJ 07936

https://www.ridgedalefcu.org

Ridgedale Federal Credit Union CD Rates

Product	Rate	APY	Term
11 Month Certificate Special	-	4.01%	11
No additional details. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
11 Month Special* Share Certificate	3.93%	4.01%	11 Month
Min Deposit $2,500 Details *SHARE CERTIFICATE SPECIAL:4.01% APY requires a minimum of $2,500.00 new money for 11 months. APY= AnnualPercentage Yield. APY is accurate as of 2/28/2026. 3-month loss of dividends for early withdrawal. Fees may reduce earnings on the account. Offer ends April 30, 2026. Promotion may be withdrawn at any time. Membership is required to open a share certificate. A valid government issued ID, proof of address and a $5.00 deposit are required for membership. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
3 Month Share Certificate	3.45%	3.50%	3 Month
Min Deposit $500 Details APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
12 Month Share Certificate	3.20%	3.25%	12 Month
Min Deposit $500 Details APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
24 Month Share Certificate	2.96%	3.00%	24 Month
Min Deposit $500 Details APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
36 Month Share Certificate	2.96%	3.00%	36 Month
Min Deposit $500 Details APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
48 Month Share Certificate	2.96%	3.00%	48 Month
Min Deposit $500 Details APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
60 Month Share Certificate	2.96%	3.00%	60 Month
Min Deposit $500 Details APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
6 Month Share Certificate	2.72%	2.75%	6 Month
Min Deposit $500 Details APY =ANNUAL PERCENTAGE YIELD. THE MINIMUM CERTIFICATE DEPOSIT AMOUNT IS $500. DIVIDENDS ARE PAID MONTHLY. THE ANNUAL PERCENTAGE YIELD IS AVAILABLE AS LONG AS YOU MAINTAIN THE REQUIRED MINIMUM DAILY BALANCE. A PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL. 1 MONTH LOSS OF DIVIDENDS ON A 3-MONTH CERTIFICATE. 3 MONTH LOSS OF DIVIDENDS ON A 6-MONTH CERTIFICATE. 6 MONTHS LOSS OF DIVIDENDS ON A 1 YEAR+ MONTH CERTIFICATE. THIS WILL REDUCE YOUR EARNINGS ON THE ACCOUNT. RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. RFCU MEMBERSHIP AND PROPER ID ARE REQUIRED TO OPEN A CERTIFICATE. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Ridgedale Federal Credit Union Savings Rates

Product	Rate	APY	View More
Club Accounts	0.20%	0.20%
Min Balance $5 Details APY=ANNUAL PERCENTAGE YIELD. MINIMUM BALANCE REQUIRED IS $5.00. EARLY CLOSURE FEE IS $10.00. WITHDRAWALS UNDER $200 HAVE A $10.00 FEE. FEES MAY REDUCE EARNINGS. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATES SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Ridgedale Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	1.90%	1.92%
Min Balance $175,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	1.65%	1.66%
Min Balance $75,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	0.90%	0.90%
Min Balance $25,000 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%
Money Market	0.40%	0.40%
Min Balance $500 Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Ridgedale Federal Credit Union Checking Rates

Product	Rate	APY	View More
Share Draft/Checking	0.01%	0.01%
Details SHARE DRAFT ACCOUNTS WITH AVERAGE DAILY BALANCES UNDER $500 ARE NOT PAID A DIVIDEND. FEES MAY REDUCE EARNINGS ON THE ACCOUNT. APY IS ACCURATE AS OF THE LAST DIVIDEND DECLARATION DATE. RATE SUBJECT TO CHANGE WITHOUT NOTICE. Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Ridgedale Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	6.00%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Ridgedale Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Platinum Visa Rewards Card	-	9.90%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Ridgedale Federal Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal and Debt Consolidation Loans	-	8.75%
Details As Low As Last Updated 04/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.45%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Ridgedale 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 Ridgedale 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 Ridgedale Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Ridgedale Federal Credit Union

Website https://www.ridgedalefcu.org

Address 124 S Ridgedale AVe, East Hanover, NJ 07936

Phone 973-947-1000

Fax 973-947-0998

President Michael Hatolski

CEO Linda Rheiner

Full-Time Employees 16

Part-Time Employees 1

Branch Locations 2

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.45%

Return on Assets (ROA)

-0.2715%

Return on Equity (ROE)

-2.8687%

Non-Performing Loans Ratio (NPL)

1.06%

Total Assets

96,682,516

Total Amount of Shares and Deposits

87,678,998

Total Shares and Deposits < 1 Year

75,086,737

Total Shares and Deposits 1 3 Years

11,181,203

Total Shares and Deposits > 3 Years

1,411,058

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,586,211

Total Uninsured Shares and Deposits > $250K (F+J)

6,586,211

Total Insured Shares and Deposits > $250K (item 17 less item K)

81,092,787

Total Interest Expense (Sum of items 6 8)

823,509

Share Certificates

549

Number of Accounts for Share Drafts

3,241

Number of Accounts for Regular Shares

7,938

Non Member Deposits

Money Market Shares

886

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,566,347

Total Liabilities

88,321,013

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About Ridgedale Federal Credit Union

Is Ridgedale Federal Credit Union a safe place to deposit money?

Yes, Ridgedale Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.4465639698413%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Ridgedale Federal Credit Union operate?

Ridgedale 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 Ridgedale Federal Credit Union?

Yes, to access services at Ridgedale 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, Ridgedale 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, Ridgedale Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Ridgedale Federal Credit Union offer online and mobile banking?

Most modern institutions like Ridgedale 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.ridgedalefcu.org.