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Ridgedale Federal Credit Union

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Ridgedale Federal Credit Union Rates & Review September 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 and Verified: September 23, 2026

Ridgedale Federal Credit Union's Personal Loan Rates are as low as 9.25%. Ridgedale Federal Credit Union's Credit Card Rates are at 6.50%. 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 6.65%. Rates last updated and verified on 09/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.65%

Excellent Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

Ridgedale Federal Credit Union
Ridgedale Office

124 S Ridgedale AVe
East Hanover, NJ 07936

https://www.ridgedalefcu.org

Ridgedale Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity	-	-	5.50%
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.65%

Ridgedale Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR
New & Used Vehicles Loan	-	-	5.50%
Details As Low As; A MINIMUM SAVINGS BALANCE OF $100 REQUIRED TO BE ELIGIBLE FOR LOANS. MEMBERSHIP IS REQUIRED. RATE MAY VARY BASED ON CREDITWORTHINESS AND TERM. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.65%
New & Used Vehicles Loan	-	-	9.90%
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.65%

Ridgedale Federal Credit Union Credit Card Rates

Product	Rate	APR
Platinum Visa Rewards Card	-	6.50%
Details As Low As Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.65%
Platinum Visa Rewards Card	-	9.90%
Details As Low As; Minimum savings balance of $100 required to be eligible for loans. Membership is required Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.65%

Ridgedale Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal and Debt Consolidation Loans	9.25%
Details As Low As; Minimum Savings Balance of $100 required to be eligible for loans. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.65%

Ridgedale Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term	View More
Fixed Rate Second Mortgages	-	-	6.50%
Details Rates As Low As; Minimum savings balance of $100 required to be eligible for loans. Membership is required. Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 6.65%

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.

Financial Health History

Ridgedale Federal Credit Union’s Texas Ratio rose from 1.88% in Q2 2023 to 6.65% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A+ to A. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$101M	6.65%	5.0	A
December 31, 2025	$95M	5.98%	5.0	A+
September 30, 2025	$97M	5.31%	5.0	A+
June 30, 2025	$99M	5.65%	5.0	A+
March 31, 2025	$104M	5.53%	5.0	A+
December 31, 2024	$99M	3.87%	5.0	A+
September 30, 2024	$100M	2.89%	5.0	A+
June 30, 2024	$105M	2.68%	5.0	A+
March 31, 2024	$110M	2.48%	5.0	A+
December 31, 2023	$104M	2.51%	5.0	A+
September 30, 2023	$109M	1.78%	5.0	A+
June 30, 2023	$117M	1.88%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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

6.65%

Return on Assets (ROA)

-0.1323%

Return on Equity (ROE)

-1.4848%

Non-Performing Loans Ratio (NPL)

1.34%

Total Assets

100,520,901

Total Amount of Shares and Deposits

91,285,671

Total Shares and Deposits < 1 Year

79,866,018

Total Shares and Deposits 1 3 Years

10,027,464

Total Shares and Deposits > 3 Years

1,392,189

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

6,239,333

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

6,239,333

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

85,046,338

Total Interest Expense (Sum of items 6 8)

248,973

Share Certificates

554

Number of Accounts for Share Drafts

3,274

Number of Accounts for Regular Shares

8,050

Non Member Deposits

Money Market Shares

888

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)

10,005,072

Total Liabilities

92,285,912

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Ridgedale Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About Ridgedale Federal Credit Union

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.