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iAdvertiser Disclosure
Advertiser Disclosure
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 Bay Atlantic Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 23, 2026
Bay Atlantic Federal Credit Union's Personal Loan Rates are at 8.99%. MonitorBankRates evaluates the financial stability of Bay Atlantic Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.83%. Rates were last updated on 04/23/2026. Bay Atlantic Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Bay Atlantic Federal Credit Union? Share your experience about Bay Atlantic Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Bay Atlantic Federal Credit Union. Bay Atlantic Federal Credit Union
Elmer 101 W Elmer Rd
https://www.bayatlanticfcu.org Vineland, NJ 08360 6312 
Bay Atlantic Federal Credit Union Auto Loan Rates
Bay Atlantic Federal Credit Union Credit Card Rates
Bay Atlantic Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Bay Atlantic Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Bay Atlantic Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Bay Atlantic Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Bay Atlantic Federal Credit Union
Website
https://www.bayatlanticfcu.org
Address
101 W Elmer Rd,
Vineland, NJ 08360 6312
Phone
856-696-2525
Fax
856-691-5593
President
David Schad
CEO
Gail Marino
Full-Time Employees
26
Part-Time Employees
6
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
1.83%
Return on Assets (ROA)
0.7123%
Return on Equity (ROE)
7.7573%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
92,053,798
Total Amount of Shares and Deposits
83,324,611
Total Shares and Deposits < 1 Year
81,056,731
Total Shares and Deposits 1 3 Years
1,835,023
Total Shares and Deposits > 3 Years
432,855
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
2,255,438
Total Uninsured Shares and Deposits > $250K (F+J)
2,255,438
Total Insured Shares and Deposits > $250K (item 17 less item K)
81,069,173
Total Interest Expense (Sum of items 6 8)
220,114
Share Certificates
240
Number of Accounts for Share Drafts
6,525
IRA KEOGH Accounts
354
Number of Accounts for Regular Shares
10,332
Money Market Shares
52
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
2,435,039
Total Liabilities
83,412,464
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Bay Atlantic Federal Credit UnionIs Bay Atlantic Federal Credit Union a safe place to deposit money?Yes, Bay Atlantic Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 1.8266543021949%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. How many branches does Bay Atlantic Federal Credit Union operate?Bay Atlantic Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Bay Atlantic Federal Credit Union?Yes, to access services at Bay Atlantic Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Bay Atlantic Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Bay Atlantic Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Bay Atlantic Federal Credit Union offer online and mobile banking?Most modern institutions like Bay Atlantic Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.bayatlanticfcu.org. Compare to Other Credit Unions
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