Bay Atlantic Federal Credit Union

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Overview / Commentary

www.bayatlanticfcu.org

877-590-8866

101 W Elmer Rd
Vineland, NJ 08360

Bay Atlantic Federal Credit Union is headquartered in Vineland and is the 32^nd largest credit union in the state of New Jersey. It is also the 1,908^th largest credit union in the nation. It was established in 1939 and as of March of 2025, it had grown to 22 employees and 9,255 members at 3 locations. Bay Atlantic Federal Credit Union's money market rates are 3X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership eligibility in Bay Atlantic Federal Credit Union is open to employees of any of more than 150 Select Employee Groups. A $10 donation to M-25 Initiative (a 501c3 non-profit in Cumberland County, NJ) also qualifies for membership.
See current membership details

Reviews

Write a Review

No reviews have been left for this bank yet. Be the first to review.

Health

B+

Data as of Q1 2025

Learn why bank health matters

Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Bay Atlantic Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #	3541
Year Chartered	1939
Employees	22
Primary Regulator

Profit Margin
Return on Assets - YTD	0.77%
Return on Equity - YTD	8.74%
Annual Interest Income	$956K

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$92.2MM$92.8MM
Loans	Q1 2025vs Q1 2024	$40.8MM$39.2MM
Deposits	Q1 2025vs Q1 2024	$83.7MM$80MM
Equity Capital	Q1 2025vs Q1 2024	$7.9MM$6.5MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$422K$356K
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$91K$34K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

3.60%

Our Rating

4.3 / 5

American Express

American Express® High Yield Savings Account

See Offer

Sponsored Note: Interest compounds daily, deposited monthly

Member FDIC

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

4.44%

Our Rating

4.3 / 5

Peak Bank

Envision High Yield Savings

See Offer

Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.

Member FDIC

up to $300

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!

Rates

Skip to rates for:

Savings
Money Market
CD
IRA

Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Bay Atlantic Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Bay Atlantic Federal Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.30%	$25	-	Vacation Club Account
0.30%	$25	-	Holiday Club Account
0.25%	$100	-	Regular Share Account

Bay Atlantic Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.51%^*	$25k^*	-	Money Market Account
OTHER TIERS: 1.00% → $2.5k - $25k

Bay Atlantic Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.53%	$2.5k	-	60 Month Certificate
2.27%	$1k	-	30 Month Certificate
2.02%	$1k	-	18 Month Certificate
1.76%	$1k	-	12 Month Certificate
1.26%	$500	-	6 Month Certificate

Bay Atlantic Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.78%	$2.5k	-	60 Month IRA Certificate
2.53%	$1k	-	30 Month IRA Certificate
2.27%	$1k	-	18 Month IRA Certificate
2.02%	$1k	-	12 Month IRA Certificate
1.51%	$500	-	6 Month IRA Certificate
0.55%	$0	-	Variable Rate IRA Account

Locations

Bay Atlantic Federal Credit Union Locations
Branch Office	101 W Elmer Rd	Vineland, NJ 08360-6312
Corporate Office	37 W Landis Ave	Vineland, NJ 08360
Branch Office	1940 S West Blvd Bldg 101A	Vineland, NJ 08360-7024

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.