Bay Atlantic Federal Credit Union is headquartered in Vineland and is the 39th largest credit union in the state of New Jersey. It is also the 2,127th largest credit union in the nation. It was established in 1939 and as of June of 2019, it had grown to 24 employees and 8,559 members at 1 location. Bay Atlantic Federal Credit Union has a B health rating.
Field of Membership Restrictions
Membership eligibility in Bay Atlantic Federal Credit Union is open to the following: Employees of any one of the Select Employee Groups (a full list of organizations is posted on the credit union's website), immediate family and household members.
See current membership details
Bay Atlantic Credit Union
Bay Atlantic Credit Union is a local credit union in the Millville/Vineland NJ area. My wife joined us up and opened an account for us. While we both like a larger regional bank much better; Bay Atlantic Credit Union is very nice for a local Credit Union. It has better hours than most Credit Unions that I have been affiliated with in the past. My wife loves the vacation club and the Christmas club programs which make it much easier to save for vacations and for Christmas. I do not like that they charge a fee to use an ATM card as debit rather than credit. I use the larger bank much more often and prefer that bank for bill pay, credit/debit transactions, checking account etc. I do not find their web page to be particularly easy to use. However for a local credit union I like them a lot. The staff is always friendly and knowledgeable and know me by name. I prefer to get money orders through them because they charge much less than a normal bank or anywhere else. They charge less when ordering checks, than my other bank.
Data as of Q2 2019
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 3541 |
| Year Chartered | 1939 |
| Employees | 24 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1% |
| Return on Equity - YTD | 12.26% |
| Annual Interest Income | $1.2MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q2 2019vs Q2 2018 | $61.6MM$61.3MM |
| Loans | Q2 2019vs Q2 2018 | $29.0MM$28.4MM |
| Deposits | Q2 2019vs Q2 2018 | $55.5MM$56.0MM |
| Equity Capital | Q2 2019vs Q2 2018 | $5.0MM$4.5MM |
| Loan Loss Allowance | Q2 2019vs Q2 2018 | $426.00K$343.00K |
| Unbacked Noncurrent Loans | Q2 2019vs Q2 2018 | $280.00K$255.00K |
| Real Estate Owned | Q2 2019vs Q2 2018 | $0$0 |
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 | VIEW DETAILS |
|---|---|---|---|---|
| 0.10% | $25 | - | Vacation Club Account | |
| 0.10% | - | - | Variable Rate IRA Account | |
| 0.10% | $25 | - | Holiday Club Account | |
| 0.05% | $100 | - | Regular Share Account |
Bay Atlantic Federal Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.15%* | $25k* | - | Money Market Account | ||
| OTHER TIERS: 0.10% → $2.5k - $25k | |||||
Bay Atlantic Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 1.00% | $2.5k | - | 60 Month Certificate | |
| 0.50% | $1k | - | 30 Month Certificate | |
| 0.40% | $1k | - | 18 Month Bump-Up Certificate | |
| 0.15% | $1k | - | 12 Month Certificate | |
| 0.10% | $500 | - | 6 Month Certificate |
Bay Atlantic Federal Credit Union IRA Rates
| Bay Atlantic Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 101 W Elmer Rd | Vineland, NJ 08360-6312 |