About Us

Raritan Bay Federal Credit Union serves anyone who lives, works, worships, or attends school in Middlesex County. Once you become a member, you and your family can remain members for life, even if you move out of Middlesex County.


As a member-owned, not-for-profit financial institution, we are dedicated to providing quality financial products and services delivered in a professional, courteous and timely manner. Earnings are returned to you in the form of competitive dividend rates paid on savings and investment accounts, low interest rates on loans, and additional valuable products and services.


Discover the credit union advantage by becoming a part of the growing Raritan Bay FCU family. You can fill out our membership application online. You'll be glad you did!


Raritan Bay FCU Dedication

We are dedicated to serving the individual financial needs of our members, as well as the greater causes of financial literacy, community strength, cooperation, and charity in Middlesex County. Just a few of the programs in which we participate to achieve this are listed below.


Toys-for-Tots ATM Program: Through ATM surcharges of non-member transactions, we have been able to raise thousands of dollars for Toys-for-Tots and other local charities.


Scholarship Awards: We offer all high school seniors who are members in good standing the opportunity to apply for scholarship money for their college education. Winners are selected based upon scholastic achievement, extracurricular activities and teacher recommendations. For more information on our scholarship opportunities, click here.


Community Involvement: Maintaining relationships within the communities we serve is a commitment we adhere to relentlessly. Raritan Bay FCU seeks such opportunities by participating in community events, such as Sayreville Day, South River's National Night Out, South Amboy's Raritan Bay Festival of the Arts, Sayreville Police Annual Torch Run to benefit local Special Olympics, and The Breast Cancer Walk in Edison. Such events allow us to create strong, long-lasting ties to the community residents who we serve.


Student-Run Branch: The Lighthouse is a branch of RBFCU located in South Amboy Middle/High School that opened in 1999. It was the first student-run branch in the State of New Jersey. This branch is staffed by the students of South Amboy High School and is available to the students, staff and faculty.


Through this real-life experience, students get to learn "hands-on" about the importance of saving money and establishing and maintaining good credit. They also gain invaluable work experience by learning how to operate a small business and the importance of teamwork.