Raritan Bay Credit Union Sayreville NJ | Best Auto Loans & Business Banking

Introduction

Welcome to Raritan Bay, your trusted financial partner located at 491 Raritan St, Sayreville, NJ 08872. Since our establishment in 1941, we have been dedicated to serving our community with a strong commitment to member satisfaction and financial wellness. With over 8,584 members and total assets reaching $102,341,042, we are proud to be a pillar of support for individuals and families in Sayreville and beyond. At Raritan Bay, we understand that every member's journey is unique. That's why we offer a wide range of services tailored to meet your financial needs whether you're looking for personal banking solutions like checking and savings accounts, auto loans, or mortgage refinancing. Our experienced team is here to guide you through every step of your financial journey. We also take pride in our strong leadership team. Under the guidance of CEO Ronald Behrens and Board President Elsie Mroczkowski, our team works tirelessly to ensure that you receive exceptional service. With a dedicated staff of 26 employees, we're ready to assist you with everything from everyday transactions to more complex financial products. While members can visit us at our branch address, official correspondence should be sent to the same location: 491 Raritan Street, Sayreville, NJ 8872. If you have any questions or need assistance, don't hesitate to reach out at 732-727-3500 or visit our website at Raritan Bay. Join us today and discover how Raritan Bay can help you achieve your financial goals!

Branch History & Mission

Welcome to Raritan Bay, a credit union with a rich legacy of service and community dedication since 1941. Located at 491 Raritan St in Sayreville, NJ, our branch has been a steadfast financial partner for thousands of members, growing alongside the community we serve. With over 8,584 members and total assets reaching an impressive $102,341,042, Raritan Bay has proven its commitment to providing exceptional financial services tailored to the needs of our diverse membership. From humble beginnings, Raritan Bay has evolved significantly over the years. Our mission is simple yet powerful: to empower our members through accessible financial solutions while fostering a sense of belonging within the community. We believe that when our members thrive, so does the community as a whole. This principle drives us to offer not only personal banking services like checking and savings accounts but also auto loans, mortgages, and business banking options. In addition to our core offerings, we pride ourselves on being at the forefront of customer-centric initiatives. At Raritan Bay, we embrace digital advancements such as online and mobile banking, ensuring that our members have convenient access to their accounts anytime, anywhere. Our services include ATM availability and basic drive-thru banking for quick deposits and withdrawals. Our commitment to accessibility extends beyond technology; we are dedicated to maintaining compliance with ADA standards so that all members can enjoy a welcoming environment. While members can visit us at 491 Raritan St for face-to-face assistance during our operating hours Monday through Thursday from 9 AM to 5 PM, Friday from 9 AM to 6 PM, and Saturday from 9 AM to 1 PM official correspondence should be sent to our mailing address at 491 Raritan Street, Sayreville, NJ 8872. Community outreach is another cornerstone of our mission. We actively participate in local events and initiatives aimed at enriching lives and supporting those in need. By building strong partnerships within Sayreville and surrounding areas, we strive to make a positive impact on both individual lives and the broader community. As we look towards the future, we invite you to join us on this journey. Experience the benefits of being part of Raritan Bay where your financial well-being is our priority. Whether you are looking for personal loans or business solutions, we are here to help you achieve your goals. Contact us today at 732-727-3500 or visit our website to learn more about becoming a member. Together, let's build a brighter financial future!

Branch Location & Accessibility

Accessibility Features

At Raritan Bay, we prioritize accessibility for all members. Our branch is equipped with ADA-compliant features, including ramps and designated parking spaces to ensure everyone can comfortably access our services. Whether you prefer walking in or using our drive-thru service for quick transactions, we've got you covered!

Call to Action

We invite you to stop by or give us a call at 732-727-3500 if you have any questions or need assistance. Our friendly staff is eager to help you navigate your financial journey. Come visit us today at Raritan Bay your trusted partner in banking!

Operating Hours and Services

We are open Monday through Thursday from 9:00 AM to 5:00 PM, Friday from 9:00 AM to 6:00 PM, and Saturday from 9:00 AM to 1:00 PM. Our extended hours on Fridays allow you more time to handle your banking needs. Our team offers a variety of services tailored to meet your financial goals from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. We also provide online and mobile banking options for added convenience. Plus, with ATM availability right at our location, accessing your funds is easy.

Member Eligibility

At Raritan Bay, we believe in creating a welcoming community where everyone can thrive together. Becoming a member is simple and straightforward! If you live, work, or worship in the Sayreville area, you're already on your way to joining our family. We also invite immediate family members of existing members to join us. It's all about building connections that last a lifetime. By choosing Raritan Bay, you gain access to personalized financial services tailored just for you, as well as the chance to be part of a supportive network that truly cares about your financial well-being. Ready to take the next step? You can find more detailed information about eligibility and membership at this link. If you have any questions or need assistance, feel free to give us a call at (732) 727-3500. We're excited to help you become part of our community at Raritan Bay, located at 491 Raritan St Sayreville Nj 08872!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $0 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $0, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

Imagine simplifying your payment processes and enhancing customer satisfaction at the same time. Our merchant services provide just that allowing you to accept various payment methods effortlessly. Whether you're running a retail shop or a service-based company, these services help streamline transactions so you can focus on what you do best: running your business. Located conveniently at 491 Raritan St Sayreville Nj 08872 in Sayreville, NJ, our team is ready to assist you with any questions you may have about our business banking options. Call us at (732) 727-3500 today to learn more!

Comprehensive List Of Services

Auto Loans and Vehicle Financing

Need a new car? Our Auto Loans & Vehicle Financing options make purchasing or refinancing your vehicle straightforward and affordable. With competitive rates, we help you drive away in the car of your dreams without breaking the bank.

Business Banking Options

If you're a business owner, our Business Banking services include essential tools like Merchant Services & Business Loans. We understand the challenges of running a business and are here to provide financial support that helps you thrive.

Convenient Access Options

At Raritan Bay, convenience is key. Enjoy easy access to your accounts through our Online & Mobile Banking platforms. With features like ATM services for cash withdrawals and balance checks, as well as basic drive-thru banking for deposits and withdrawals, managing your money has never been easier. We invite you to experience all that we have to offer at Main Office. If you have questions or need assistance, don't hesitate to call us at (732) 727-3500. Join us today and take advantage of our comprehensive financial services designed with you in mind!

Credit Cards with Rewards

For those who love earning rewards while they spend, our Credit Cards with Rewards program allows you to earn points on purchases that can be redeemed for travel, merchandise, or cash back. It's not just about spending; it's about getting more from every dollar.

Mortgage Loans and Refinancing

If homeownership is your goal, our Mortgage Loans & Refinancing solutions are designed to make the process easier. We understand that buying a home is one of the biggest decisions you will make. Our team is here to guide you through mortgage options that fit your financial situation.

Personal Banking Solutions

For those looking to manage their everyday finances, we offer Personal Banking services, including convenient Checking & Savings Accounts. Imagine having an account that fits your lifestyle whether it's saving for a vacation or managing daily expenses, our accounts come with user-friendly online and mobile banking features. You can access your funds anytime, anywhere.

Personal Loans and Debt Consolidation

Sometimes life throws unexpected expenses your way. That's where our Personal Loans & Debt Consolidation services come into play. Whether you need funds for home repairs or want to consolidate existing debt into one manageable payment, we're here to help streamline your finances.

Digital & Online Banking

Key Features for Your Convenience

With our user-friendly mobile application, you can manage your finances right from your smartphone. Need to make a quick payment? Our mobile payments feature allows you to pay bills and send money with just a few taps. Plus, if you want to transfer funds to friends or family, our person-to-person transfer option makes it effortless. Are you tired of paper statements? Switch to e-statements! Not only are they environmentally friendly, but they also provide a secure way to keep track of your financial activities without cluttering your mailbox. Rest assured, all transactions through our digital platforms are protected with robust security measures, ensuring your information remains safe.

Stay in Control of Your Finances

Our online banking services enable real-time account management, allowing you to check balances, view transaction history, and transfer funds between accounts in an instant. And while we currently don't offer electronic signature authorization, we ensure that every other aspect of our digital services is designed with ease-of-use and security in mind. Embrace the convenience of banking at your fingertips with Raritan Bay. Explore all these features and more by visiting us online today at https://www.rbfcu.coop/. With our commitment to providing accessible and reliable banking solutions, managing your finances has never been easier!

Financial Strength

At Raritan Bay, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our solid financial foundation, which ensures that we can continue to serve you effectively. With a net worth of $7,487,713, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $732 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $9,587,535 in share certificates and $5,912,449 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $3,621,419 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to lending is evident with $1,132 in used auto loans and $34,747,506 in total loans and leases, which support our members' financial goals across various sectors. Our operational efficiency is highlighted by our $0, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 20 full-time employees and 6 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 14,462, showing a strong and growing member base that trusts us with their finances. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Raritan Bay is your trusted partner. Visit us at 491 Raritan St Sayreville Nj 08872 or call (732) 727-3500 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $10,975,673 in used vehicle loans and $1,668,996 in new vehicle loans already helping members get on the road. We make it easy for you to finance your next vehicle purchase with flexible terms tailored to fit your budget.

Credit Lines

If you need ongoing access to funds, consider our credit lines totaling $11,060,000. This option provides you with the flexibility to borrow what you need when you need it, making it easier to handle unexpected expenses without stress. At Raritan Bay, we aim to meet all your borrowing needs while providing exceptional service every step of the way. Our refinancing options are available for those looking to lower their monthly payments or consolidate debts into one manageable loan. For more information on eligibility requirements or if you're ready to apply for a loan today, visit us at our branch or check out our website at https://www.rbfcu.coop/. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We look forward to helping you take the next step toward your financial success!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $5,138,685, make buying or refinancing simple. We provide competitive rates and clear guidance throughout the process, so you can move forward with confidence.

Unsecured Credit Card Loans

Managing everyday expenses can be challenging, which is why we also offer flexible terms on unsecured credit card loans. With a total of $1,429,836 in loans helping members manage their finances effectively, our credit cards come with various benefits designed to suit your lifestyle.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and reliability, LendMesh is a trusted tool for anyone looking to make informed borrowing decisions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards. This data is based on the latest results, which guarantees that users receive fair and transparent offers (Source: https://www.ncua.gov). By relying on verified financial institutions, LendMesh eliminates uncertainty and builds trust among its users. One of the standout features of LendMesh is its commitment to providing verified data. The loan offers presented come exclusively from legitimate financial institutions, ensuring that users have access to credible options. Additionally, LendMesh does not utilize sponsored listings; lenders are not prioritized based on paid promotions. This approach reinforces the platform's goal of delivering unbiased results. Another key benefit is the real-time rate comparisons available through LendMesh. Users can view up-to-date loan rates from multiple institutions simultaneously, enabling them to make informed decisions quickly and efficiently. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights the effectiveness of the platform in helping individuals secure favorable loan terms. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Raritan Bay