First Atlantic

Overview / Commentary
468 Industrial Way W
Eatontown, NJ 07724

First Atlantic is headquartered in EATONTOWN and is the 10th largest credit union in the state of New Jersey. It is also the 1,024th largest credit union in the nation. It was established in 1935 and as of December of 2023, it had grown to 51 employees and 24,075 members at 4 locations. First Atlantic's money market rates are 8X the national average, and it has a B health rating.

Field of Membership Restrictions

First Atlantic is open to anyone who lives, works, worships, or goes to school in Ocean or Monmouth County. Immediate family members of existing credit union members are also eligible to join.
See current membership details


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Health Grade Components

NCUA #82
Year Chartered1935
Primary Regulator
Profit Margin
Return on Assets - YTD1.59%
Return on Equity - YTD13.85%
Annual Interest Income$14.1MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$295.4MM$299.8MM
LoansQ4 2023vs Q4 2022$229.7MM$221.9MM
DepositsQ4 2023vs Q4 2022$255.2MM$264.5MM
Equity CapitalQ4 2023vs Q4 2022$33.7MM$28.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$1.5MM$1.3MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$4.6MM$3.3MM
Real Estate OwnedQ4 2023vs Q4 2022$0$0
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Always verify rates and promotions with the bank or credit union. We are not First Atlantic; 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.

First Atlantic Savings Account Rates

2.25%--IRA Savings Promo - New Money
0.15%$5-Member Savings
0.15%-$5kYouth Savings
0.15%--IRA Savings
0.05%--Saver's Club Account
0.05%--Holiday Club Account
0.05%$250-Business Savings

First Atlantic Money Market Rates

3.50%*$25k*-Money Market
OTHER TIERS: 2.00% $1k - $10k | 2.75% $10k - $25k
3.50%*$25k*-Business Money Market Account
OTHER TIERS: 2.00% $2.5k - $10k | 2.50% $10k - $25k

First Atlantic Checking Account Rates

0.10%$500-Interest Checking
0.05%--Business Interest Checking

First Atlantic CD Rates

4.75%$500-9 Month CD Promo - New Money
3.50%$500-5 Year CD
3.50%$500-3 Year CD
3.50%$500-4 Year CD
3.00%$500-2 Year CD
2.00%$500-6 Month CD
2.00%$500-1 Year CD
0.05%$500-3 Month CD

First Atlantic IRA Rates

4.75%$500-9 Month IRA Promo - New Money
3.50%$500-5 Year IRA
3.50%$500-3 Year IRA
3.50%$500-4 Year IRA
3.00%$500-2 Year IRA
2.00%$500-6 Month IRA
2.00%$500-1 Year IRA
0.05%$500-3 Month IRA

First Atlantic Locations
Branch Office495 OceanPort AveOceanPort, NJ 07757-1235
Branch Office1580 Lakewood RoadToms River, NJ 08754
Branch Office2070 STATE ROUTE 66NEPTUNE, NJ 07753-4064
Branch Office468 INDUSTRIAL WAY WEATONTOWN, NJ 07724-2210

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