Credit union · NCUA insured
Rutgers Federal Credit Union
A $81.4M credit union headquartered in New Brunswick, NJ, with 6,470 members and 2 branches in New Jersey. Best rates: CDs 1.76% and savings 0.20% APY.
Rutgers Federal Credit Union Carrot Score
64
Carrot Score
Higher than 11% of U.S. banks and credit unions
#143 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 Rutgers Federal Credit Union
Rutgers Federal Credit Union is headquartered in Piscataway, New Jersey, and was organized in 1954.
Originally established to assist faculty, staff, and their families, it focuses on serving the Rutgers University community.
Over the years, the credit union expanded to include UMDNJ and students, partnering with various Rutgers University organizations.
- Headquarters
- 98 College Ave, New Brunswick, NJ 08901-1149
- NCUA charter
- 9237
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Rutgers Council of AAUP Chapter is eligible for membership.
- Employees of Rutgers Federal Credit Union are eligible for membership.
- Rutgers University Foundation is eligible for membership.
Military, government and schools
- Employees of Rutgers University are eligible for membership.
- Students attending Rutgers, the State University of New Jersey, headquartered in New Brunswick, NJ, and limited to those living in New Jersey are eligible for membership.
Family and household
- Immediate family or household members of a credit union member are eligible for membership.
2 more ways to join
Family and household
- Spouses of persons who died while within the field of membership of RFCU are eligible for membership.
Other ways
- Retired pensioners and annuitants are eligible for membership.
Cost to join
- Requires a $5.00 cash deposit into a share savings account via deposit or payroll deduction to open membership.
Branches
2 branches in New Jersey
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New Jersey
2 branches
- Main- CACMain office98 College Ave, New Brunswick, NJ 08901Directions
- Branch 01-Busch85 Davidson Rd, Piscataway, NJ 08854Directions
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 | 12.64% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.39% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.52% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $32 | $59 | — |
- CapitalNet worth ratio12.64%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.39%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.52%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$32Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 Rutgers 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.