Credit union · NCUA insured
Raritan Bay Federal Credit Union Savings Rates
Raritan Bay Federal Credit Union’s best savings rate is 2.00% APY on $10,000, with its Money Market Account. Rates checked October 22, 2026.
How Raritan Bay Federal Credit Union’s savings 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
2.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $200
Money Market Account
Top rate
Woori America Bank
5.00%APY
- Requires
- Monthly account activity
- Minimum
- $1,000
- Earns on $10,000 a year
- $500
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Raritan Bay Federal Credit Union savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0002.00%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.00%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Money Market Account
2.00%APY
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $9,999Avoid the $4 monthly service fee by maintaining balance of $2,500. | 1.00% | — | Avoid the $4 monthly service fee by maintaining balance of $2,500. |
| $10,000 – $49,999Avoid the $4 monthly service fee by maintaining balance of $2,500. | 2.00% | $200 | Avoid the $4 monthly service fee by maintaining balance of $2,500. |
| $50,000 and upAvoid the $4 monthly service fee by maintaining balance of $2,500. | 2.00% | — | Avoid the $4 monthly service fee by maintaining balance of $2,500. |
Savings Account
0.05%APY
Establishes membership with RBFCU; $5 minimum deposit to open and maintain credit union membership. Avoid $4 monthly service fee by maintaining balance of $100. Minimum balance of $100 to earn dividends.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAverage daily balance of $100.00 to earn 0.05% APY; $4 monthly fee waived with $100 balance.$100 and up | 0.05% | $5 | Average daily balance of $100.00 to earn 0.05% APY; $4 monthly fee waived with $100 balance. |
Special-purpose accounts
Club Accounts
0.08%APY
Save for vacation or holiday expenses. Holiday Club funds transfer to primary savings on October 1; Vacation Club funds transfer to primary savings on May 1. $20 penalty for early withdrawal. No monthly service fee. No minimum deposit to open.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceEarns dividends on entire balance; average daily balance listed as N/A. No monthly service fee.Any balance | 0.08% | $8 | Earns dividends on entire balance; average daily balance listed as N/A. No monthly service fee. |
First Step Account
0.05%APY
Youth savings account for kids 7 years old and under. No monthly service fee. No minimum balance to maintain account, but $100 minimum balance required to earn dividends. Collect points with each $15 deposit (up to 6 points per deposit) to redeem for prizes.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upAverage daily balance of $100.00 to earn 0.05% APY. No monthly service fee. For kids 7 years old and under.$100 and up | 0.05% | $5 | Average daily balance of $100.00 to earn 0.05% APY. No monthly service fee. For kids 7 years old and under. |
Individual Retirement Accounts (IRA Savings Account)
0.05%APY
Available in Traditional and Roth IRAs. Annual contribution limits apply. No annual fees or set up fees. No minimum deposit to open. Minimum balance of $100 required to earn dividends. $1,000 annual catch up contributions allowed for ages 50 and better.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance of $100 to earn dividends / 0.05% APY. Pays monthly dividends. No annual fees or set up fees. No minimum deposit to open.$100 and up | 0.05% | $5 | Minimum balance of $100 to earn dividends / 0.05% APY. Pays monthly dividends. No annual fees or set up fees. No minimum deposit to open. |
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.