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Riegel Federal Credit Union Rates & Review April 2026

Riegel Federal Credit Union's CD Account (6 month) rates are at 2.80%, CD Account (12 month) rates are at 2.50%, CD Account (18 month) rates are at 2.25%, CD Account (24 month) rates are at 2.00%, CD Account (30 month) rates are at 1.75%. Riegel Federal Credit Union's savings rates are at 0.00%. Riegel Federal Credit Union's Personal Loan Rates are at 3.25%. MonitorBankRates evaluates the financial stability of Riegel Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.50%. Rates were last updated on 04/18/2026.

Riegel 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 Riegel Federal Credit Union? Share your experience about Riegel Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Riegel 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 ?
5.50%
Excellent Lower than avg
Riegel Federal Credit Union
Riegel Federal Credit Union
515 Milford Warren Glen Rd
Milford, NJ 08848 1881
https://www.riegelfcu.org
Member NCUA

Riegel Federal Credit Union CD Rates

Product Rate APY Term View More
Term Share Account (6 month) 2.77% 2.80% 6
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Term Share Account (12 month) 2.48% 2.50% 12
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Term Share Account (18 month) 2.23% 2.25% 18
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Term Share Account (24 month) 1.99% 2.00% 24
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Term Share Account (30 month) 1.74% 1.75% 30
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Term Share Account (36 month) 1.59% 1.60% 36
Min Balance $1,000
Details No transactions allowed. Will automatically renew and dividends will not be paid after maturity. Early withdrawal subject to penalty of six months dividends. Fixed Rate. Compounded and paid quarterly.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%

Riegel Federal Credit Union Savings Rates

Product Rate APY View More
Share Holiday Club 0.15% 0.15%
Min Balance $0
Details No minimum balance. No fees.; No withdrawals until maturity. Term from Oct 1 to Sept 30. Early withdrawal subject to loss of dividends. Variable Rate. Compounded and paid quarterly.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Share Vacation Club 0.15% 0.15%
Min Balance $0
Details No minimum balance. No fees.; No withdrawals until maturity. Term from Jul 1 to Jun 30. Early withdrawal subject to loss of dividends. Variable Rate. Compounded and paid quarterly.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Youth Savings Account 0.07% 0.07%
Min Balance $40,000
Details Compounded and Paid Quarterly; Variable Rate; Minimum Balance of $25.00 to open account.; Minimum Daily Balance of $100 to earn stated APY*.; The Youth Savings Account will be converted to a regular share account at age 16.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Regular Share Savings Account 0.05% 0.05%
Min Balance $100
Details Compounded and Paid Quarterly; Variable Rate; Minimum Daily Balance $100
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Youth Savings Account 0.05% 0.05%
Min Balance $5,000
Details Compounded and Paid Quarterly; Variable Rate; Minimum Balance of $25.00 to open account.; Minimum Daily Balance of $100 to earn stated APY*.; The Youth Savings Account will be converted to a regular share account at age 16.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Youth Savings Account 0.02% 0.02%
Min Balance $100
Details Compounded and Paid Quarterly; Variable Rate; Minimum Balance of $25.00 to open account.; Minimum Daily Balance of $100 to earn stated APY*.; The Youth Savings Account will be converted to a regular share account at age 16.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Regular Share Savings Account - 0.00%
Min Balance $0
Details Compounded and Paid Quarterly; Variable Rate; Minimum Daily Balance $100
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Youth Savings Account - 0.00%
Min Balance $0
Details Compounded and Paid Quarterly; Variable Rate; Minimum Balance of $25.00 to open account.; Minimum Daily Balance of $100 to earn stated APY*.; The Youth Savings Account will be converted to a regular share account at age 16.
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%

Riegel Federal Credit Union Home Equity & HELOC

Product Rate Points APR Term View More
Fixed Rate Home Equity Loans 1st Lien - - 4.44% 2 - 3 yrs.
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Fixed Rate Home Equity Loans 2nd Lien - - 4.64% 2 - 3 yrs.
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Fixed Rate Home Equity Loans 1st Lien - - 5.54% 4 - 5 yrs.
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Fixed Rate Home Equity Loans 2nd Lien - - 5.84% 4 - 5 yrs.
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Fixed Rate Home Equity Loans 1st Lien - - 6.34% 6 - 10 yrs.
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Fixed Rate Home Equity Loans 1st Lien - - 6.64% 11 - 15 yrs.
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Fixed Rate Home Equity Loans 2nd Lien - - 6.74% 6 - 10 yrs.
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Fixed Rate Home Equity Loans 1st Lien - - 7.04% 16 - 20 yrs.
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Fixed Rate Home Equity Loans 2nd Lien - - 7.14% 11 - 15 yrs.
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%

Riegel Federal Credit Union Personal Loan Rates

Product Rate APR View More
Shares Pledged Personal Loan - 3.25%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Shares Pledged Personal Loan - 3.75%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Shares Pledged Personal Loan - 4.00%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Signature Personal Loan - 9.99%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Signature Personal Loan - 10.49%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%
Signature Personal Loan - 10.74%
Details As Low As
Last Updated 04/18/2026
Institution Ratings
5.0
Star Rating
A+
Health Grade
Texas Ratio: 5.50%

Methodology & Data Sources

MonitorBankRates Star Rating
Our rating for Riegel 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 Riegel 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 Riegel Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Riegel Federal Credit Union
Address 515 Milford Warren Glen Rd, Milford, NJ 08848 1881
Phone 908-995-2326
Fax 908-995-2508
President David Szwec
CEO Scott Husted
Full-Time Employees 27
Part-Time Employees 8
Branch Locations 4
ATM Locations 4
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
5.50%
Return on Assets (ROA)
0.2731%
Return on Equity (ROE)
2.6549%
Non-Performing Loans Ratio (NPL)
2.05%
Total Assets
164,751,303
Total Amount of Shares and Deposits
146,662,795
Total Shares and Deposits < 1 Year
146,148,173
Total Shares and Deposits 1 3 Years
514,623
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
7,713,397
Total Uninsured Shares and Deposits > $250K (F+J)
7,713,397
Total Insured Shares and Deposits > $250K (item 17 less item K)
138,949,398
Total Interest Expense (Sum of items 6 8)
521,014
Share Certificates
578
Number of Accounts for Share Drafts
4,670
IRA KEOGH Accounts
313
Number of Accounts for Regular Shares
8,409
All other shares
37
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
12,585,747
Total Liabilities
147,806,680
Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Frequently Asked Questions About Riegel Federal Credit Union

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

Yes, Riegel Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 5.4990128726971%, 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 Riegel Federal Credit Union operate?

Riegel 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 Riegel Federal Credit Union?

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

Does Riegel Federal Credit Union offer online and mobile banking?

Most modern institutions like Riegel 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.riegelfcu.org.

Current Riegel Federal Credit Union Rates

  • 12-Month CD2.50%
  • 18-Month CD2.25%
  • 24-Month CD2.00%
  • Savings0.00%
Retrieved from our database of financial products. Rates subject to change.