WHY JOIN?

Why Join Ridgedale Federal Credit Union

Since 1947, we have been serving the financial needs of the many pharmaceutical company’s employees throughout New Jersey and New York. We are a financially stable, not-for-profit full service financial organization which is owned by its members, who elect a Board of Directors annually. As a member of Ridgedale Federal Credit Union, you have a say in how you receive financial services.  We are here to serve you and your family members for all of your financial needs.

Credit Union Advantages

There are many benefits that come with credit union membership.  All the advantages of membership can be yours in minutes, simply by opening a share savings account with only a $5.00 deposit.  Once you are a member, your immediate family members also become eligible for membership.

You gain access to a wide variety of financial products including savings accounts, checking accounts, loans and credit cards.  We also have the services you would expect including, a mobile app, online banking with bill pay, Zelle, safe deposit boxes, notary, foreign currency purchase, and education tools, seminars and webinars, retirement planning services, and real-estate services.  All designed to help you do your banking 24/7 and during all  the phases life.

Moreover, Net Income is distributed to the membership in the form of dividends. That is money back to you. The Credit Union’s Dividend Rates are paid well above current rates for similar products. In addition, our Loan Rates are normally below market rates for similar products.

All of our members are invited to our annual meeting to hear about the financial stability, and growth plans of the credit union.

Click here to determine membership eligibility.

You can come to our branch location with your membership application, and your government issued identification; Drivers License, State ID or Passport.  We will also require proof of employment at Novartis, please bring your  Novartis ID badge with you.  By opening a share (savings) account, you instantly qualify to take advantage of all Credit Union member benefits. Once you are a member you are a member for life.