--- title: "Ridgedale Credit Union Rates (Nov 2026): CDs to 3.50%" description: "Ridgedale Credit Union rates today: savings & CDs up to 3.50% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Ridgedale Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/new-jersey/ridgedale" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Ridgedale Credit Union Rates (Nov 2026): CDs to 3.50% ### Auto & vehicle rates 1 offer | Product | Published | Rate | Term / condition | Status | | **New & Used Vehicles (As Low As)** auto_any | — APR | 5.500% | any | Standard | Ridgedale Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Fixed Rate Second Mortgages (Rates As Low As)** heloc_fixed | — APR | 6.750% | — | Standard | | **Home Equity Loan** heloc | — APR | 6.750% | — | Standard | Ridgedale Credit Union heloc rates as of November 12, 2026 ### Personal loan rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Shared Secured Loans (As Low As)** personal_secured | — APR | 2.550% | — | Standard | | **Personal and Debt Consolidation Loans (As Low As)** personal | — APR | 9.250% | — | Standard | Ridgedale Credit Union personal loan rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Platinum Visa Rewards Card (As Low As)** credit_card_rewards | — APR | 9.900% | — | Context only | Ridgedale Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 29 offers | Product | Published | Rate | Term / condition | Status | | **Share Draft/Checking (Share Draft/Checking)** checking | — APY | 0.01% | — | Context only | | **Regular Shares (Regular Shares)** savings | — APY | 0.05% | — | Context only | | **Club Accounts (Holiday Club)** savings | — APY | 0.20% | — | Specialty offer | | **Club Accounts (Vacation Club)** savings | — APY | 0.27% | — | Specialty offer | | **$500.00 - $25,000.00** savings | 0.40% APY | 0.40% | — | Context only | | **Money Market Tiered Rates ($500.00 - $25,000.00)** money_market | — APY | 0.40% | — | Context only | | **$25,000.01 - $75,000.00** savings | 0.90% APY | 0.90% | — | Context only | | **Money Market Tiered Rates ($25,000.01 - $75,000.00)** money_market | — APY | 0.90% | — | Context only | | **$75,000.01 - $175,000.00** savings | — APY | 1.65% | — | Context only | | **Money Market Tiered Rates ($75,000.01 - $175,000.00)** money_market | — APY | 1.65% | — | Context only | | **Money Market Tiered Rates ($175,000.01 and Above)** money_market | — APY | 1.90% | — | Context only | | **$175,000.01 and Above** savings | — APY | 1.90% | — | Context only | | **9-Month Certificate** share_certificate_9mo | — APY | 2.71% | 9 mo | Standard | | **6-Month Certificate** share_certificate_6mo | — APY | 2.72% | 6 mo | Standard | | **9-Month Certificate** share_certificate_9mo | 2.75% APY | 2.71% | 9 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 2.75% APY | 2.72% | 6 mo | Standard | | **60-Month Certificate** share_certificate_60mo | — APY | 2.96% | 60 mo | Standard | | **24-Month Certificate** share_certificate_24mo | — APY | 2.96% | 24 mo | Standard | | **36-Month Certificate** share_certificate_36mo | — APY | 2.96% | 36 mo | Standard | | **48-Month Certificate** share_certificate_48mo | — APY | 2.96% | 48 mo | Standard | | **60-Month Certificate** share_certificate_60mo | 3.00% APY | 2.96% | 60 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 3.00% APY | 2.96% | 24 mo | Standard | | **48-Month Certificate** share_certificate_48mo | 3.00% APY | 2.96% | 48 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 3.00% APY | 2.96% | 36 mo | Standard | | **12-Month Certificate** share_certificate_12mo | — APY | 3.20% | 12 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 3.25% APY | 3.20% | 12 mo | Standard | | **3-Month Certificate** share_certificate_3mo | — APY | 3.45% | 3 mo | Standard | | **3-Month Certificate** share_certificate_3mo | 3.50% APY | 3.45% | 3 mo | Standard | | **Above Certificate** cd | — APY | 5.00% | — | Context only | Ridgedale Credit Union savings & cd rates as of November 12, 2026 ### Other rates 1 offer | Product | Published | Rate | Term / condition | Status | | **10-Year U.S. Inflation: Average 1.9%** other | — % | 0.100% | — | Standard | Ridgedale Credit Union other rates as of November 12, 2026 Savings and certificate yields up to 3.50% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/new-jersey/ridgedale) , verified from [Ridgedale Credit Union's official website](https://www.ridgedalefcu.org/) Loading branch locator… ## About Ridgedale Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.7K Assets $100.5M Founded 1947 Locations reported 2 NCUA charter 5419 Charter type Federal credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - First-time homebuyer program - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Liberty Savings** Novartis FCU · East Hanover · NJ · 07936-1016 Branch in the same ZIP](https://rateapi.dev/credit-unions/new-jersey/liberty-savings) [**Selfreliance** Whippany Branch · Whippany · NJ · 07981 About 3.6 miles away](https://rateapi.dev/credit-unions/illinois/selfreliance) [**Picatinny** Parsippany · Parsippany · NJ · 07054-2010 About 3.6 miles away](https://rateapi.dev/credit-unions/new-jersey/picatinny) [**Garden Savings** Main · Parsippany · NJ · 07054-1869 About 4.4 miles away](https://rateapi.dev/credit-unions/new-jersey/garden-savings) [**Atlantic Health Employees** Archive Systems, Inc/Filebridge · Fairfield · NJ · 07004 About 4.4 miles away](https://rateapi.dev/credit-unions/new-jersey/atlantic-health-employees) [**Polish & Slavic** Fairfield Operations Center and Branch · Fairfield · NJ · 07004 About 4.8 miles away](https://rateapi.dev/credit-unions/new-york/polish-slavic) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Ridgedale Credit Union Membership eligibility from Ridgedale Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Ridgedale Credit Union's website. Check the membership page below to confirm whether you qualify. **Cost to join:** About $5. Verified from [Ridgedale Credit Union's membership page](https://www.ridgedalefcu.org/mem-app) . Final membership determination is always made by the credit union. ## Work at Ridgedale Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Ridgedale Credit Union ranks against New Jersey peers. - See which AI assistants fetched Ridgedale Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in New Jersey - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=ridgedale&state=new-jersey&code=NJ&name=Ridgedale%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Ridgedale Credit Union offer? Ridgedale Credit Union currently offers Auto loan, HELOC, personal loan, and credit card rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Ridgedale Credit Union rates updated? RateAPI verifies Ridgedale Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Ridgedale Credit Union's rate data? Rate data is collected directly from Ridgedale Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Ridgedale Credit Union's best CD rate? As of November 12, 2026, Ridgedale Credit Union offers savings and certificate (CD) yields up to 3.50% APY. ### Who can join Ridgedale Credit Union? Ridgedale Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Ridgedale Credit Union's rates against national credit-union benchmarks. [More New Jersey credit unions](https://rateapi.dev/credit-unions/new-jersey) [New Jersey auto loan rate leaders](https://rateapi.dev/auto-loan-rates/new-jersey) [New Jersey HELOC rate leaders](https://rateapi.dev/heloc-rates/new-jersey) [New Jersey personal loan leaders](https://rateapi.dev/personal-loan-rates/new-jersey) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.ridgedalefcu.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Ridgedale Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when New Jersey credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Ridgedale Credit Union curl "https://api.rateapi.dev/credit-unions/new-jersey /ridgedale " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Ridgedale Credit Union locations Search, filter, and browse all 2 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/new-jersey/ridgedale Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp