First Atlantic Credit Union Neptune NJ | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to First Atlantic in Neptune, where we believe in building strong financial futures for our members! Located at 2070 State Route 66, Neptune, NJ 07753, our branch has been a trusted part of the community since 1935. With a total membership of 24,227, we pride ourselves on providing personalized service and a range of banking solutions tailored to your needs. At First Atlantic, our commitment goes beyond just numbers. With total assets of $291,790,412 and total deposits reaching $39,171,999, we ensure that your hard-earned money is secure while also working towards helping you achieve your financial goals. Whether you're looking for an auto loan or need assistance with personal banking services, we have over 53 dedicated employees ready to assist you. Our CEO, Ann Goldinak, and Board President, Jason Snagusky, lead a team focused on fostering relationships built on trust and reliability. We are here to support you every step of the way because your success is our success! While members can visit us at our branch location for all their banking needs, official correspondence should be sent to our mailing address: 2070 STATE ROUTE 66, NEPTUNE, NJ 07753-4064. Explore all that First Atlantic has to offer by visiting our website at FAFCU.COM or give us a call at 732-380-3600. Join us today and experience the difference of community-focused banking!

Branch History & Mission

Embracing Innovation

We understand the importance of adapting to the changing needs of our members. That's why we've embraced technology while ensuring accessibility for everyone. From online banking and mobile payments to e-statements and electronic signatures, we've made managing your finances easier than ever before all while maintaining ADA compliance so that all members can access our services comfortably.

Join Us

As we look ahead, we remain committed to being more than just a credit union; we aim to be a trusted partner in your financial journey. If you're not yet a member of First Atlantic, we invite you to join us today! Experience the difference of personalized service and community support that sets us apart. Together, let's build a stronger tomorrow one member at a time!

Our Mission

At First Atlantic, our mission is clear: we strive to empower individuals and families through responsible financial solutions that fit their unique needs. We provide personal banking options including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking services. Each product is designed with our members' best interests in mind, ensuring that they can achieve their financial goals. But our commitment goes beyond just financial transactions. We believe in giving back to the community that has supported us for nearly nine decades. Through various outreach programs and partnerships with local organizations, we aim to make a positive impact on the lives of those around us. Whether it's providing financial education workshops or sponsoring local events, we are here to help build a brighter future together.

Member Eligibility

At First Atlantic, we're excited to welcome you into our close-knit community where your financial well-being is our priority. Becoming a member is simple and open to anyone who lives, works, worships, or attends school in the area around our branch at 2070 State Route 66 Neptune Nj 07753. We believe that everyone deserves access to great financial services, and our membership comes with many advantages, including competitive rates on loans and savings accounts, personalized service, and a range of helpful banking options tailored just for you. If you're ready to join us, opening an account is straightforward. Just give us a call at (732) 380-3600 or visit us in person during our operating hours. For more detailed eligibility criteria, feel free to check out the information available at . We look forward to having you as part of our family at First Atlantic!

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've funded over $23 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $3 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $13,187,135, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services

In addition to loans, our merchant services simplify payment processing so you can focus on what matters running your business. Picture this: A customer walks into your store, makes a purchase, and seamlessly pays using their mobile wallet or credit card. Our reliable payment solutions ensure that transactions are fast and secure, enhancing customer satisfaction. Visit us at 2070 State Route 66 Neptune Nj 07753 or call us at (732) 380-3600 to explore how our business banking and commercial services can be the catalyst for your growth!

Comprehensive List Of Services

Convenient Digital Banking Features

In today's fast-paced world, having access to your bank anytime is crucial. That's why we offer robust Online & Mobile Banking features. You can manage your accounts from anywhere, whether it's making deposits via mobile check deposit or sending money through person-to-person payments. Additionally, our branch includes an ATM & Cash Withdrawal Services, making it easy for you to access cash when you need it most. Our basic drive-thru banking allows for quick deposits and withdrawals without leaving your car perfect for busy days!

Personal Banking Made Easy

We understand that managing your finances should be straightforward. That's why we offer personal banking options like Checking and Savings Accounts, designed to suit various lifestyles and saving goals. Imagine easily accessing your funds online or through our mobile app, allowing you to check balances and make transfers at your convenience. When it comes to financing a vehicle, our Auto Loans & Vehicle Financing options are flexible and competitive. Picture yourself driving off in your dream car without the stress of complicated paperwork or high-interest rates. We also provide Mortgage Loans & Refinancing services, helping you secure a home loan that fits your budget or refinance for better terms.

Support for Your Financial Goals

If you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation solutions can provide the financial relief you need. Plus, with our Credit Cards with Rewards, you can earn points on every purchase turning everyday spending into exciting rewards. For those who run businesses, we have comprehensive Business Banking services, including merchant services and business loans. Whether you're just starting out or looking to expand, we're here to support your growth.

Visit Us Today!

Located at 2070 State Route 66 Neptune Nj 07753, our doors are open Monday through Friday from 8:30 AM to 5 PM and Saturday from 9 AM to 12 PM. For any questions or assistance, feel free to call us at (732) 380-3600. We're here to ensure that all of your banking needs are met with care and efficiency. Join us at First Atlantic where community matters, and we're committed to providing you with exceptional service every day!

Digital & Online Banking

Key Features

One of the standout features at First Atlantic is our mobile application. This app puts everything you need right in your pocket, allowing you to conduct transactions and manage your accounts effortlessly. Plus, if you're looking to send money quickly, our person-to-person transfers make it a breeze to send cash to friends or family without any hassle. We also offer electronic signature authorization, which means you can sign documents securely online without needing to visit a branch. Coupled with e-statements, you'll receive your account statements electronically, reducing clutter and helping you stay organized. Another convenient feature is our support for mobile payments. Whether it's buying coffee or shopping online, simply link your bank account and enjoy fast, secure transactions using just your smartphone. At First Atlantic, we prioritize your safety and privacy. Our advanced security measures ensure that your information remains protected while you enjoy these modern conveniences. With real-time account management at your fingertips, banking has never been easier or more efficient. Experience the freedom of managing your finances on your terms with the digital banking services at First Atlantic!

Financial Strength

Commitment to Growth

With $28,448,369 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; with $5,864 in used auto loans and $215,605,801 in total loans and leases, we support your financial goals across various sectors.

Growing Trust

Total Share Accounts stand at 37,004, showing a strong and growing member base that trusts us with their finances. This trust drives us to continually improve and adapt to meet your needs. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, First Atlantic is your trusted partner. Visit us at 2070 State Route 66 Neptune Nj 07753 or call (732) 380-3600 to learn more about how we can help you achieve your financial goals.

Member-Focused Savings

Members' savings are secured through $17,907,338 in share certificates and $49,015,855 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 $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 44 full-time employees and 9 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Strong Financial Health

With a net worth of $37,291,177, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,277 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. We have issued over $83,766,030 in used vehicle loans and $9,471,690 in new vehicle loans already helping members get on the road with confidence. Our flexible terms make it easier than ever to finance your next vehicle.

Business Financing

For business owners seeking growth opportunities, our outstanding commercial loans totaling $13,187,135 provide the capital needed to expand operations or invest in new projects. We work closely with businesses to tailor financing solutions that fit their unique requirements. We encourage you to reach out for any refinancing or eligibility options available for our loan products. If you have questions or need assistance, don't hesitate to call us at 732-380-3600 during our operating hours: Monday through Friday from 8:30 AM to 5 PM and Saturday from 9 AM to 12 PM. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Your journey towards better financial health starts here at First Atlantic!

Mortgage Loans

Thinking about homeownership? Our mortgage options are designed to simplify the process of buying or refinancing your home. We currently offer Junior Lien 1-4 Family Residential Properties loans totaling $24,573,571. Whether you are a first-time buyer or looking to refinance your current mortgage, our experienced team is here to guide you through each step.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $2,531,075 in loans helping members manage their finances effectively. These cards come with competitive interest rates and rewards programs that can enhance your everyday spending.

Loan Aggregator

How LendMesh Ensures Accurate Loan Comparisons

Loan data on LendMesh is sourced 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 sourcing data from reputable institutions guarantees that users receive fair and transparent offers. LendMesh stands out in several key ways: - Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions its goal is to provide unbiased results. - Real-Time Rate Comparisons: Users benefit from up-to-date loan rates from multiple institutions, helping them make informed decisions quickly. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" This kind of feedback highlights the effectiveness of LendMesh in helping individuals secure better loan terms. Ready to take control of your borrowing options? 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.

First Atlantic