Bay Atlantic Federal Credit Union
Popular Accounts at this Credit Union
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.95% | 5-year CD | 60 Month Certificate 2.35% - Synchrony Bank 60 Month CD |
| 0.15% | 1-year CD | 12 Month Certificate 1.40% - Synchrony Bank 12 Month CD |
| 0.05% | Savings | Regular Share Account |
Bay Atlantic Federal Credit Union is headquartered in Vineland and is the 42nd largest credit union in the state of New Jersey. It is also the 2,171st largest credit union in the nation. It was established in 1939 and as of March of 2017, it had grown to 21 employees and 8,108 members at 2 locations. Bay Atlantic Federal Credit Union has a B health rating.
Field of Membership Restrictions
Must be an employee of one of the several Select Employees Groups (SEGs).
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 Q1 2017
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 3541 |
| Year Chartered | 1939 |
| Employees | 21 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.37% |
| Return on Equity - YTD | 4.71% |
| Annual Interest Income | $487.00K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2017vs Q1 2016 | $58.8MM$56.7MM |
| Loans | Q1 2017vs Q1 2016 | $27.6MM$27.3MM |
| Deposits | Q1 2017vs Q1 2016 | $53.8MM$52.1MM |
| Equity Capital | Q1 2017vs Q1 2016 | $4.4MM$4.2MM |
| Loan Loss Allowance | Q1 2017vs Q1 2016 | $247.00K$186.00K |
| Unbacked Noncurrent Loans | Q1 2017vs Q1 2016 | $339.00K$230.00K |
| Real Estate Owned | Q1 2017vs Q1 2016 | $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% | - | - | Variable Rate Roth IRA Account | |
| 0.10% | - | - | Variable Rate CESA 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 | |
|---|---|---|---|---|---|
| 0.10%* | $25k* | - | Money Market Account | ||
| OTHER TIERS: 0.05% → $2,500 - $25k | |||||
Bay Atlantic Federal Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.95% | $2,500 | - | 60 Month Certificate | |
| 0.45% | $1k | - | 30 Month Certificate | |
| 0.35% | $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
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.95% | $2,500 | - | 60 Month IRA Certificate | |
| 0.95% | $2,500 | - | 60 Month CESA | |
| 0.45% | $1k | - | 30 Month IRA Certificate | |
| 0.45% | $1k | - | 30 Month CESA | |
| 0.35% | $1k | - | 18 Month Bump-Up IRA Certificate | |
| 0.35% | $1k | - | 18 Month Bump-Up CESA | |
| 0.15% | $1k | - | 12 Month IRA Certificate | |
| 0.15% | $1k | - | 12 Month CESA | |
| 0.10% | $500 | - | 6 Month IRA Certificate | |
| 0.10% | $500 | - | 6 Month CESA |
| Bay Atlantic Federal Credit Union Locations | ||
|---|---|---|
| Branch Office | 101 W Elmer Rd | Vineland, NJ 08360-6312 |
| Branch Office | 600 N 2nd St | Millville, NJ 08332-3600 |