Bank · FDIC insured
Sturdy Savings Bank
A $1.1B bank headquartered in Stone Harbor, NJ, with 13 branches in New Jersey. Best rates: savings 0.02% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: published rates need another account or activity, so they are not scored. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- CDs—2.50%Needs another account or monthly activityCD rates →
- Savings600.05%at $100,000Savings rates →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Sturdy Savings Bank
Established in Stone Harbor, New Jersey, in 1922 as Sturdy Building and Loan Association, the institution later changed its name to Sturdy Savings and Loan Association in 1941.
In 1992, it modified its charter to a savings bank, taking the name Sturdy Savings Bank, and later acquired seven branches of Sun National Bank in 2015.
Sturdy Savings Bank currently operates 13 branch locations, an Administration Building, Lending Center, and Sturdy Financial Services across Cape May and Atlantic Counties.
- Headquarters
- 9417 3rd Ave, Stone Harbor, NJ 08247
- FDIC certificate
- 28788 ↗
Branches
13 branches in New Jersey
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New Jersey
13 branches
- Sturdy Savings BankMain office9417 3rd Ave, Stone Harbor, NJ 08247Directions
- Avalon Branch2628 Dune Dr, Avalon, NJ 08202Directions
- Cape May Branch701 Washington St, Cape May, NJ 08204Directions
- Cape May Courthouse Branch17 S Main St, Cape May Court House, NJ 08210Directions
- Dennisville Branch1224 Route 47, Dennisville, NJ 08214Directions
- Marmora Branch49 South Shore Road, Marmora, NJ 08223Directions
- North Cape May Branch3851 Bayshore Rd, North Cape May, NJ 08204Directions
- North Wildwood Branch1900 New Jersey Ave, North Wildwood, NJ 08260Directions
- Asbury Avenue Branch661 Asbury Ave, Ocean City, NJ 08226Directions
- Ocean City Branch101 34th St, Ocean City, NJ 08226Directions
- Rio Grande Branch3195 Route 9 S, Rio Grande, NJ 08242Directions
- Somers Point Branch521 New Rd, Somers Point, NJ 08244Directions
- Tuckahoe Branch2201 Route 50, Woodbine, NJ 08270Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.68% | 10.49% | 11.89% or more |
| Troubled loansNoncurrent | 0.15% | 0.52% | 0.23% or less |
| ProfitabilityReturn on assets | 0.75% | 1.25% | 1.62% or more |
| LendingLoans per $100 deposited | $63 | $88 | — |
- CapitalLeverage ratio9.68%Peers’ middle 10.49% · Top 25% 11.89%+
- Troubled loansNoncurrent0.15%Peers’ middle 0.52% · Top 25% ≤0.23%
- ProfitabilityReturn on assets0.75%Peers’ middle 1.25% · Top 25% 1.62%+
- LendingLoans per $100 deposited$63Peers’ middle $88
Compared with the 897 banks with $1 billion to $10 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 noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Sturdy Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.