Bay Atlantic


101 W Elmer Road
Vineland, NJ 08360
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 0.85% →
1-Year CD 0.25% 0.75% →
2-Year CD N.A. 0.80% →
5-Year CD 1.00% 1.10% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Bay Atlantic is an NCUA insured institution located in Vineland, NJ. It was founded in 1939 and has approximately $81.35 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 3541
Date Established 1939
Assets $81.35 million
Loans $26.46 million
Deposits $74.72 million
Capital $6.03 million

Field of Membership Restrictions

Must be an employee of one of the several Select Employees Groups (SEGs).

Deposit Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $2,500 $4,999 Learn More
Money Market
0.15% $2,500 $2,999 Learn More
Money Market
0.15% $10,000 $14,999 Learn More
Money Market
0.20% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.20% $10,000 $14,999 Learn More
6 Mo CD
0.20% $100,000 $199,999 Learn More
12 Mo CD
0.25% $10,000 $14,999 Learn More
12 Mo CD
0.25% $100,000 $199,999 Learn More
18 Mo CD
0.45% $10,000 $14,999 Learn More
18 Mo CD
0.45% $100,000 $199,999 Learn More
30 Mo CD
0.65% $10,000 $14,999 Learn More
30 Mo CD
0.65% $100,000 $199,999 Learn More
60 Mo CD
1.00% $10,000 $14,999 Learn More
60 Mo CD
1.00% $100,000 $199,999 Learn More

Loan Rates - October 16, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for BAY ATLANTIC

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Learn More
Flagstar Bank, FSB
NMLS ID: 417490
3.194% 3.125% 0.88 $2,208 $1,071 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
2.990 %
After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

To upload and update your bank's rates please register. It is free to register and add rates.



Below are Bay Atlantic branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:

Bay Atlantic Locations

Climate Initiatives

BAY ATLANTIC is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Bay Atlantic Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Bay Atlantic. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Bay Atlantic U.S. Average
0.22% 3.79

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2021, Bay Atlantic had $6,198 in non-current loans and $7,927 in owned assets. To cover these potential losses it had $6,034,463 in net worth and $432,173 in loans loss reserves. That gives it a Texas Ratio of 0.22%.

Net Worth
Bay Atlantic U.S. Average
7.41% 12.22%

Bay Atlantic FCU has a net worth of 7.41% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Bay Atlantic

Branches and Savings

What is Bay Atlantic?

A federal credit union, registered with the NCUA under certificate #3541.
Learn more about credit unions here.

Is Bay Atlantic FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Bay Atlantic is insured by the NCUA.

Who can join Bay Atlantic?

Please see Field of Membership information above for information on who is eligible to join.

What are Bay Atlantic's share account and share certificate rates?

Bay Atlantic's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Bay Atlantic?

Bay Atlantic has total capital of $6.03 million. Full information on Bay Atlantic's financial position is located above.

Who owns Bay Atlantic?

Credit Unions are owned by their members.

Where are Bay Atlantic branches located?

See branch locations nearby.

Are Bay Atlantic ATMs Open 24/7?

Do Bay Atlantic ATMs accept cash deposits?

Can Bay Atlantic customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Bay Atlantic have a mobile app?

Does Bay Atlantic have mobile deposit?

Does Bay Atlantic have quick pay?

How can Bay Atlantic transfer money to other banks or credit unions?

Does Bay Atlantic report to credit bureaus?

Does Bay Atlantic use Chexsystems?

Does Bay Atlantic use Equifax?

What is Bay Atlantic's toll free phone number?

What is Bay Atlantic's ACH Routing Number?

What is Bay Atlantic's SWIFT code?

Where can I find Bay Atlantic's wire transfer form?

What is the Bay Atlantic address for deposits?

What Products Does Bay Atlantic Offer

Does Bay Atlantic offer mortgages?

Compare mortgage rates here.

Does Bay Atlantic offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Bay Atlantic offer auto and RV loans?

Compare auto loan rates here.

Does Bay Atlantic offer student loans or personal loans?

Compare personal loan rates here.

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