Atlantic Federal Credit Union (NJ)
Atlantic Federal Credit Union (NJ) is headquartered in Springfield and is the 13th largest credit union in the state of New Jersey. It is also the 1,146th largest credit union in the nation. It was established in 1935 and as of March of 2025, it had grown to 43 employees and 15,184 members at 3 locations. Atlantic Federal Credit Union (NJ) has a B+ health rating.
Field of Membership Restrictions
Atlantic Federal Credit Union is open to those who live, work, worship, attend school, or regularly conduct business in Essex or Union Counties, New Jersey. Immediate family and household members of existing members are also eligible.
See current membership details
Offering One Of The Top Tier HYSA Rates
I have an account with Atlantic Federal C.R. through Savebetter, as well as accounts with other banks and credit unions there. Atlantic Federal's current HYSA is 4.40%. They have no transfer limits, and 2 business day transfer into an external account. What's not to like?
Data as of Q1 2025
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| NCUA # | 477 |
| Year Chartered | 1935 |
| Employees | 43 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.6% |
| Return on Equity - YTD | 4.58% |
| Annual Interest Income | $3.5MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $245.8MM$259.6MM |
| Loans | Q1 2025vs Q1 2024 | $192.7MM$192.2MM |
| Deposits | Q1 2025vs Q1 2024 | $212.2MM$226.1MM |
| Equity Capital | Q1 2025vs Q1 2024 | $32.3MM$31.5MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $2MM$2.1MM |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $2.9MM$2.6MM |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |