Business Details
50+ Years
experience
Your Trusted Financial Partner in Vineland, NJ
Bay Atlantic Federal Credit Union has served members since 1939, rooted in the principle of people helping people. As a member-owned, not-for-profit institution, we prioritize financial empowerment through education, security, and personalized service. Our mission focuses on delivering quality financial solutions while fostering community prosperity. With over 9,000 members and 150 member groups, we offer traditional lending and savings products alongside innovative digital banking tools. Our history includes evolving from a small credit union for Kimble Glass employees to a full-service institution serving diverse communities.We emphasize accessibility through the Co-Op Shared Branch Network, enabling nationwide transactions. Our commitment extends to financial education programs like Zogo, scholarship initiatives, and the BAFCU Cares program supporting members during hardships. Certified financial counselors provide confidential guidance for life challenges. We maintain federal insurance through NCUA and adhere to equal opportunity principles. Our bilingual services and community partnerships reflect our dedication to inclusivity and local needs.
Services
Checking Accounts
Savings Accounts
Auto Loans
Mortgage Loans
Online Banking
Details
- Year established: 1939
Highlights and features
- We offer 86 years of community-focused financial expertise.
- Our Co-Op Shared Branch Network provides nationwide transaction access.
- Certified counselors provide personalized financial hardship support.
- Zogo financial education platform rewards users with real-world benefits.
- We maintain a 4.8/5 Google review rating for service excellence.
Associations and certifications
- NCUA
What people say
Exceptional service
Great mobile app
Helpful staff
Competitive rates
Financial education focus
Services
Auto Loans
Bay Atlantic FCU offers competitive auto loans with rates starting at 4.24% APR. These loans help members purchase new or used vehicles with flexible terms. Our financial experts assist with pre-approval and payment planning.
Online Banking
Virtual Branch provides 24/7 account access for balance checks, transfers, bill payments, and loan management. Features include e-statements, Zelle integration, and real-time transaction alerts through secure digital platforms.
Financial Education
Zogo-powered financial literacy program offers bite-sized lessons on budgeting, investing, and credit management. Members earn rewards for completing modules covering topics from student loans to retirement planning.
Shared Branching
Co-Op Shared Branch Network grants access to 5,600+ credit union locations nationwide. Members can perform transactions like deposits, withdrawals, and loan payments at any participating branch without fees.
Community Scholarships
Annual scholarship program awards $500-$1,000 to high school seniors based on academic achievement and community service. Funds support tuition at accredited institutions with applications processed through our Vineland office.
People
Gail Marino
CEO/President
Third-generation credit union leader with 30+ years in financial services. Descendant of one of the original nine charter members, she champions community development and financial literacy initiatives.
Questions
How do I become a Bay Atlantic FCU member?
Membership requires living or working in Cumberland County. Join by opening a savings account with a $5 minimum deposit at our Vineland branch or online.
What digital banking options are available?
Access accounts 24/7 through Virtual Branch online banking or the Mobiliti mobile app. Features include mobile check deposit, bill pay, Zelle transfers, and real-time alerts.
Do you offer business banking services?
Yes, we provide business checking accounts, commercial loans, and merchant services. Contact our business banking team at 856-696-2525 for customized solutions.
How does the BAFCU Cares program work?
This initiative offers financial counseling and hardship assistance. Certified counselors help create personalized plans for members facing unexpected challenges like job loss or medical emergencies.
What loan products do you specialize in?
We offer auto loans from 4.24% APR, mortgages, personal loans from 8.49% APR, and credit cards from 9.90% APR. Special programs include green loans for energy-efficient home improvements.
Are there fees for using ATMs?
No fees for using MoneyPass ATMs through our network. Over 30,000 surcharge-free ATMs nationwide. Standard transaction limits apply for security purposes.
Reviews (6)
Alisa Williams-Rogers
Oct 04, 2020
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I love this credit union the staff are all very friendly and helpful. This is the only bank I dont mind going to.
Wilmer Rodriguez
Jun 11, 2020
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Worst bank I had ever had, legit been two days in a row being on hold and no one picks up the phone, just need help after they updated there website. Had someone pick up the phone and hang up right away when they only had 30 min before closing. Then I finally got someone to answer, then the website gave me another problem now I have to wait for another two days before someone decides to pick up the phone. Its so sad
Sonya So
Oct 20, 2019
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Someone else said it perfectly, staff is a hit or miss. I typically have good experiences going to the tellers but it's a headache when you want to speak to the bank workers In the back
for accounts and loan services.
for accounts and loan services.
Megan Calcerano
Sep 08, 2019
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This is an excellent credit union with highly dedicated staff. They offer great products and services. They truly care about their membership. I highly recommend Bay Atlantic FCU.
Peggy A. Sola
Jan 06, 2018
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I'm a member of Bay Atlantic Bank in Vineland,NJ
I don't have no promblem with nobody. They are very pleasant with me!! They are all very nice people.
I don't have no promblem with nobody. They are very pleasant with me!! They are all very nice people.
Ron B.
Nov 01, 2016
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I am a member at an associate credit union that is out of state. They are simply wonderful when helping me do my banking even though I am not an actual members. They are hassle free. I will open an account with them.
