Bay Atlantic Credit Union Vineland NJ | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Bay Atlantic, where community and trust go hand in hand. Nestled at 101 W Elmer Rd, Vineland, NJ 08360, our credit union has been serving members since 1939. We are proud to be a part of your financial journey, offering personalized services tailored to meet your needs. At Bay Atlantic, we believe in empowering our members with the best financial tools available. With a robust membership of over 9,200 individuals, our commitment to fostering strong relationships is evident. We manage assets totaling an impressive $90,541,883, with deposits amounting to $2,375,019 and loans reaching 6,133. Our financial health is reflected in our net worth of $7,628,495 and cash on hand of $716,042. While members can visit us at our branch for all their banking needs from personal accounts to auto loans official correspondence should be sent to the same address: 101 W Elmer Road, Vineland, NJ 8360. Under the leadership of our CEO, Gail Marino, and Board President, David Schad, we strive to enhance the financial well-being of every member. Our team of 27 dedicated employees is here to support you with exceptional service and expert advice. Whether you're looking for a new savings account or need assistance with a loan application, we're here for you. Feel free to call us at 856-696-2525 or visit our website at Bay Atlantic for more information about our services. Join us today and experience the difference that a member-focused credit union can make in your financial life!

Branch History & Mission

At Bay Atlantic, we take great pride in our rich history and commitment to our members and community. Founded in 1939, our branch in Vineland, NJ has grown from humble beginnings into a vital financial institution serving over 9,200 members. Our location at 101 W Elmer Rd is more than just an address; it's a cornerstone of the community where families come together to achieve their financial dreams. Over the years, we've evolved significantly while staying true to our mission: to provide exceptional financial services that empower individuals and strengthen communities. Our total assets now stand at an impressive $90,541,883, reflecting our dedication to responsible growth and sound financial management. We believe that financial health is essential for personal well-being and community prosperity. Our operating hours are designed with your convenience in mind. We're open Monday through Wednesday from 8:00 AM to 5:00 PM, and on Thursday and Friday until 6:00 PM, with Saturday hours from 9:00 AM to 12:00 PM. This flexibility ensures that all our members can access the services they need when it fits their schedules best. Bay Atlantic also offers a range of modern services including online banking, mobile payments, and e-statements. Our commitment to innovation means you can manage your finances easily and securely from anywhere. Plus, we have ATMs available for quick cash withdrawals and drive-thru banking options for those who prefer face-to-face interactions without leaving their cars. While members can visit us at 101 W Elmer Rd Vineland Nj 08360, official correspondence should be sent to 101 W Elmer Road, Vineland, NJ 8360 if it differs from the branch address. We are proud of our partnerships within the community that help us extend our outreach efforts through various programs aimed at improving financial literacy and supporting local initiatives. Our mission drives everything we do supporting not only your financial needs but also fostering a sense of belonging within our community. As we continue to grow and adapt, we invite you to join us on this journey. Experience the benefits of being part of Bay Atlantic today! Visit us or call us at (856) 696-2525 to learn more about how we can serve you better.

Branch Location & Accessibility

Call to Action

If you're looking for a welcoming credit union that prioritizes your needs, look no further than Bay Atlantic at our Vineland branch. Feel free to call us at 856-696-2525 or stop by today we can't wait to assist you on your financial journey!

Convenient Access and Features

Our location offers ample parking and features designed for everyone, including ADA-compliant access. You'll find a friendly atmosphere where our team is ready to assist you with a variety of services. From checking and savings accounts to auto loans and mortgage refinancing, we strive to meet all your financial needs. We're excited to offer both drive-thru banking and ATM services for added convenience. With our drive-thru, you can complete simple transactions without leaving your car perfect for busy schedules! Our ATMs are available for cash withdrawals and balance checks whenever you need them.

Operating Hours

We understand that life can be hectic, which is why our operating hours are designed to fit your schedule. You can visit us Monday through Wednesday from 8:00 AM to 5:00 PM, Thursday and Friday from 8:00 AM to 6:00 PM, and Saturday from 9:00 AM to 12:00 PM. We want you to have every opportunity to come in and explore how we can help you thrive financially.

Member Eligibility

Becoming a member of Bay Atlantic is like joining a caring community where your financial well-being matters. If you live, work, worship, or attend school in the area around 101 W Elmer Rd Vineland Nj 08360, you're already on your way to enjoying the benefits we offer! Our eligibility is designed to be inclusive and welcoming, ensuring that everyone can access our range of services tailored just for you. Whether you're looking for personal banking options, loans, or other financial solutions, we've got you covered. For more detailed information about membership criteria, feel free to visit us at . Opening an account with us is a breeze! Simply check out our easy online application process at https://www.bayatlanticfcu.org/apply , or give us a call at (856) 696-2525 if you have any questions. We're here to help you every step of the way as you embark on this exciting journey with Bay Atlantic. Join us today and discover how we can support your financial goals together!

Business Banking & Commercial Services

Business Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. Imagine needing funds to purchase new equipment or expand your workspace. With our tailored loan options, you can access the capital necessary to propel your business forward.

Merchant Services

In today's fast-paced world, managing transactions efficiently is crucial. That's where our merchant services come into play. Whether you run a retail store or provide services, our tools make it easy for your customers to pay while giving you valuable insights into sales trends and customer preferences. This means less time worrying about payments and more time focusing on what matters growing your business. If you're ready to take your business to the next level, visit us at 101 W Elmer Rd Vineland Nj 08360 in Vineland, NJ or call us at (856) 696-2525 for personalized assistance!

Comprehensive List Of Services

Additional Services

We also provide basic drive-thru banking for quick transactions like deposits and withdrawals. If you're a member of a partner credit union, take advantage of our shared branch transactions that allow you to handle deposits and withdrawals with ease. With our commitment to excellence in service delivery, it's easier than ever to manage your finances at Bay Atlantic. We invite you to explore all that we offer by visiting us at our branch or calling us at 856-696-2525. Your financial journey starts here let's take it together! For more information about opening an account or exploring our services further, please visit our website.

Business Banking Services

For entrepreneurs and small business owners, Bay Atlantic provides essential business banking services, including merchant services and business loans. We aim to support local businesses by offering financial products tailored to their unique needs.

Credit and Debt Management

Managing debt can be overwhelming, but with our personal loans and debt consolidation services, we can help lighten that load. Our credit cards come with rewards to help you earn while you spend, making everyday purchases more rewarding.

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features. Whether you want to check your balance on-the-go or transfer money between accounts from your couch, we've got you covered. Plus, our ATMs are available for cash withdrawals whenever you need them.

Personal Banking Solutions

Starting with personal banking, we offer various options for checking and savings accounts that fit your lifestyle. Imagine having easy access to your funds while enjoying competitive interest rates that help your savings grow. For those in need of financing, our auto loans and vehicle financing solutions make it simple to drive home in the car you've always wanted. We understand that purchasing a home is one of the biggest decisions you'll make, so our mortgage loans and refinancing options are designed to simplify the process and ensure you get the best deal possible.

Digital & Online Banking

Key Features

One standout feature is our mobile application, available for download on most smartphones. This app puts the power of banking right in your pocket. Whether you want to deposit checks or make person-to-person transfers, everything is just a tap away. Plus, if you prefer making payments on the go, our mobile payments feature lets you pay for purchases easily and securely. We take security seriously at Bay Atlantic. With electronic signature authorization, you can sign documents digitally without any hassle. This means quicker transactions and less paperwork perfect for those who value efficiency. Additionally, our e-statements keep all your account information organized and accessible, reducing clutter while helping you stay on top of your finances. Managing your money should never be a chore. That's why our digital banking solutions are designed with you in mind easy to use and always secure. No matter where life takes you, Bay Atlantic ensures that your banking needs are always just a click away!

Financial Strength

A Growing Community

Total Share and Deposit Accounts: 17,401, showing a strong and growing member base that trusts us with their finances. This community commitment reinforces our focus on helping each member achieve their individual financial goals. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Bay Atlantic is your trusted partner. Visit us at 101 W Elmer Rd Vineland Nj 08360 or call (856) 696-2525 to learn more about how we can help you achieve your financial goals.

Investing in You

With $7,628,495 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity to lend is robust; with $559 in used auto loans and $41,521,581 in total loans and leases, our lending capacity supports members' financial goals across various sectors.

Member-Centric Savings

Members' savings are secured through $3,026,688 in share certificates and $2,182,514 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $0, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 21 full-time employees and 6 part-time employees who are dedicated to serving you with a knowledgeable, committed team.

Solid Foundation

With a net worth of $7,628,495, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $843 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $8,250,887 in used vehicle loans and $2,583,480 in new vehicle loans already helping members get on the road. Whether you're considering financing for a new vehicle or looking for a reliable used car, we've got you covered.

Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $1,792,661 in loans helping members manage their finances effectively. This option can be a great way to consolidate debt or cover unexpected expenses.

Credit Lines and Refinancing Options

In addition to these products, we provide credit lines totaling $50,703,571, giving our members more control over their borrowing needs. If you're considering refinancing any existing loans, our team is ready to discuss eligibility options that could save you money. Our commitment is to support your financial journey every step of the way. For more details on any of our loan products or to start your application process, feel free to reach out at (856) 696-2525 or visit us at 101 W Elmer Rd Vineland Nj 08360, located in Vineland, NJ. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. We're here to help you navigate your financial decisions with clarity and confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $3,337,803, make buying or refinancing simple. We're here to guide you through the process, making it straightforward and hassle-free.

Loan Aggregator

Accurate Loan Comparisons

LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This commitment to transparency means that all offers are fair and reliable.

Benefits of Using LendMesh

- Verified Data: Loan offers come from legitimate financial institutions, ensuring transparency in what you see. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Users receive up-to-date loan rates from multiple institutions, allowing for informed decision-making. Thousands of users trust LendMesh for loan comparisons. One member shared their experience: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This testimonial highlights how our tool can make a significant difference in your financial choices. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

BAY ATLANTIC FEDERAL CREDIT UNION