Credit union · NCUA insured
Raritan Bay Federal Credit Union
A $107.1M credit union headquartered in Sayreville, NJ, with 7,432 members and 1 branch in New Jersey. Best rates: CDs 2.75% and savings 2.00% APY.
Raritan Bay Federal Credit Union Carrot Score
85
Carrot Score
Higher than 71% of U.S. banks and credit unions
#54 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Raritan Bay Federal Credit Union
Founded in 1941, Raritan Bay Federal Credit Union is headquartered in Sayreville, New Jersey.
The credit union focuses on serving its members and local communities across Middlesex County.
- Headquarters
- 491 Raritan St, Sayreville, NJ 08872-1442
- NCUA charter
- 4726
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Middlesex County.
Family and household
- Family members of members are eligible to join and remain members for life.
Branches
1 branch in New Jersey
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New Jersey
1 branch
- Main OfficeMain office491 Raritan St, Sayreville, NJ 08872Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.79% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 1.24% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.18% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $40 | $76 | — |
- CapitalNet worth ratio8.79%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late1.24%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.18%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$40Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Raritan Bay Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.