Credit union · NCUA insured
Raritan Bay Federal Credit Union CD Rates
Raritan Bay Federal Credit Union’s best CD rate is 2.75% APY on a 6-month share certificate (CD). Terms run from 6 months to 4 years. Rates checked October 22, 2026.
How Raritan Bay Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where Raritan Bay Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Raritan Bay Federal Credit Union
2.75%APY
- Term
- 6 months
- Minimum
- $1,000
- Earns on $10,000
- $137
Share Certificates (CDs)
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
Raritan Bay Federal Credit Union CD score
63
CD score
Higher than 10% of U.S. banks and credit unions
- 3–8 months3–8 mo2.75%
- 9–15 months9–15 mo2.50%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo1.10%
- QualifiedQualified2.75%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Raritan Bay Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificates (CDs)
Up to 2.75%APY · 6 terms
Minimum balance of $1,000 required to open and earn dividends. No setup or maintenance fees. Early withdrawal subject to penalty.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.75% | $137 |
| 12 months | 2.50% | $250 |
| 18 months | 0.10% | $15 |
| 24 months | 2.00% | $404 |
| 36 months | 1.10% | $334 |
| 48 months | 0.70% | $283 |
Special-purpose accounts
IRA Share Certificates
Up to 2.75%APY · 5 terms
Available in Traditional and Roth IRAs. Minimum balance of $1,000 required to open and earn dividends on share certificate. Early withdrawal subject to penalty. No annual fees or setup fees.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 2.75% | $137 |
| 12 months | 2.50% | $250 |
| 24 months | 2.00% | $404 |
| 36 months | 1.10% | $334 |
| 48 months | 0.70% | $283 |
Who can join Raritan Bay Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.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.
Membership information collected October 5, 2026.