First Atlantic Credit Union Oceanport NJ | Affordable Vehicle Loans & Personal Banking

Introduction

Welcome to First Atlantic, your trusted credit union located at 495 Oceanport Ave, Oceanport, NJ 07757. Since our establishment in 1935, we have proudly served our community with a focus on providing quality financial services tailored to your needs. With over 24,000 members and total assets exceeding $291 million, we are committed to supporting both individual and business financial growth. At First Atlantic, we understand that every member is unique, which is why we offer a wide range of services including personal banking, auto loans, mortgages, and business financing. Our total deposits stand at an impressive $39,171,999, showcasing the trust our members place in us. We also manage a robust portfolio with total loans amounting to 12,918. Under the leadership of our dedicated CEO, Ann Goldinak, and Board President Jason Snagusky, we strive to create a welcoming environment where you can feel secure about your finances. Our experienced team of 53 employees is here to assist you from Monday to Friday, 8:30 AM to 5 PM, and Saturday from 9 AM to 12 PM. While members can visit us at our branch location for all their banking needs, official correspondence should be sent to 495 OceanPort Ave, OceanPort, NJ 07757-1235. We invite you to explore what First Atlantic has to offer. Visit our website at FAFCU.COM or give us a call at 732-380-3600. Let us help you achieve your financial goals today!

Branch History & Mission

At First Atlantic, located at 495 Oceanport Ave in the charming town of Oceanport, NJ, we pride ourselves on a rich history that dates back to 1935. Over the decades, we've grown from a small local credit union into a thriving community pillar serving over 24,000 members. Our commitment to providing accessible and personalized financial services has only strengthened with time. Our mission is straightforward yet powerful: to deliver exceptional financial services while fostering a sense of community and support among our members. We believe in empowering individuals and families by offering a range of products tailored to meet their needs whether it's personal banking, auto loans, mortgage financing, or business banking solutions. Every decision we make reflects our dedication to enhancing the financial well-being of our members and supporting the local community. In addition to our core services, we continuously strive for innovation. Our digital offerings include online and mobile banking options that make managing finances easy and convenient. We also ensure accessibility through ADA-compliant facilities and services, making it easier for everyone to engage with us. Throughout our journey, we've established partnerships that enhance our outreach efforts. Whether it's sponsoring local events or collaborating with organizations aimed at improving community welfare, we're dedicated to giving back. For those wishing to visit us, our branch features both an ATM and drive-thru service for added convenience. While members can visit us at 495 Oceanport Ave Oceanport Nj 07757, official correspondence should be sent to 495 OceanPort Ave, OceanPort, NJ 07757-1235. We invite you to experience the benefits of being part of First Atlantic. Join us today and let's build a brighter financial future together! If you have questions or need assistance, don't hesitate to contact 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.

Branch Location & Accessibility

Convenient Access and Features

When you visit us, you'll find ample parking available, making it easy to stop by for your banking needs. Our branch is designed with accessibility in mind, featuring ADA-compliant ramps and entrances so that everyone can comfortably access our services. Whether you're coming for a quick transaction or to discuss your financial goals, we're here to help.

Operating Hours That Fit Your Schedule

We know that life can get busy, which is why we offer flexible operating hours. You can visit us Monday through Friday from 8:30 AM to 5 PM and on Saturday from 9 AM to 12 PM. Our dedicated team is ready to assist you during these times.

Services Tailored for You

At First Atlantic, we provide a range of personal and business banking services tailored to meet your needs. From checking and savings accounts to auto loans and mortgage refinancing, we have the tools to help you achieve your financial goals. Plus, with an ATM on-site and drive-thru banking available for quick deposits and withdrawals, managing your finances has never been easier. While members can visit us at 495 Oceanport Ave, official correspondence should be sent to our mailing address at 495 OceanPort Ave, OceanPort, NJ 07757-1235. We invite you to stop by or give us a call at 732-380-3600. Let us show you how First Atlantic can support your financial journey!

Member Eligibility

At First Atlantic, becoming a member means joining a welcoming community where your financial well-being is our top priority. If you live, work, or worship in the area around 495 Oceanport Ave Oceanport Nj 07757, you're likely eligible to join us! We embrace individuals from diverse backgrounds, making it easy for you to become part of our family. Not only will you gain access to a variety of financial services tailored just for you, but you'll also enjoy the benefits of competitive rates and personalized support. To learn more about the eligibility criteria and see if you qualify, feel free to check out this resource: . When you're ready to take the next step, opening an account is simple! Just give us a call at (732) 380-3600 or visit us during our operating hours. We're excited to welcome you into the First Atlantic community!

Business Banking & Commercial Services

Commercial Loans for Growth

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, we offer merchant services that make everyday transactions easier for you. Imagine being able to accept payments quickly and securely, whether you're running a bustling café or an online shop. Our services ensure you can focus on what matters most growing your business while we handle the payment processing. Located at 495 Oceanport Ave Oceanport Nj 07757 in Oceanport, NJ, our team is ready to help you navigate the financial landscape. Call us at (732) 380-3600 or visit us online at https://www.fafcu.com to discover how we can partner with you for success.

Comprehensive List Of Services

Branch Accessibility

We also prioritize accessibility through basic drive-thru banking for quick deposits and withdrawals. Our friendly staff is here during regular hours Monday through Friday from 8:30 AM to 5 PM and Saturday from 9 AM to 12 PM ready to assist you with any of your banking needs. With all these options available at First Atlantic, located at 495 Oceanport Ave Oceanport Nj 07757, there's no need to look elsewhere for your financial solutions. For more information or if you have any questions, please feel free to reach out at (732) 380-3600.

Business Banking Services

For business owners, First Atlantic offers comprehensive business banking services. From merchant services that make accepting payments easier to business loans designed to help you grow, we understand what it takes to run a successful enterprise.

Connect With Us

We invite you to explore all that we have to offer! Visit us online at https://www.fafcu.com or stop by our branch in Oceanport today. Your financial well-being is our priority!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we provide robust online and mobile banking features. You can access your accounts anytime from anywhere, making it easy to manage your finances on the go. Need cash? With our ATM services, you can withdraw money or check balances without stepping foot inside the branch.

Personal Banking Solutions

Starting with personal banking, we offer various checking and savings accounts tailored to fit your lifestyle. If you're planning to buy a car, our auto loans and vehicle financing can help you hit the road without breaking the bank. Additionally, if you're considering buying a home or refinancing your current mortgage, our mortgage loans provide competitive rates and personalized service to guide you through the process. Need some extra cash? Our personal loans and debt consolidation options are designed to ease your financial burden and help you manage your expenses effectively. Plus, don't forget about our credit cards with rewards, which allow you to earn while you spend perfect for everyday purchases!

Digital & Online Banking

24/7 Support

Our online banking services are available 24/7, meaning you can manage your finances at any time that suits you best. Whether it's day or night, we're here to help you navigate your financial needs efficiently. At First Atlantic, we aim to make banking simple and accessible for everyone. Explore our digital banking options today and experience the convenience firsthand!

Easy Online Access

With just a few clicks, you can access your accounts anytime through our online banking platform available at https://www.fafcu.com. This user-friendly service allows you to check balances, transfer funds, and even pay bills from the comfort of your home or on the go.

Go Green with E-Statements

Say goodbye to paper clutter! With e-statements available at First Atlantic, you can receive your bank statements electronically. This not only helps the environment but also makes it easier for you to keep track of your finances.

Mobile Banking on the Go

Stay connected to your accounts wherever life takes you with our mobile application. Whether you're out running errands or enjoying a weekend getaway, our app offers features like mobile payments and person-to-person transfers. You can send money quickly to friends or family with just a few taps on your phone.

Security You Can Trust

We prioritize your security. Our electronic signature authorization feature means you can sign documents safely online without worrying about your information being compromised. Plus, our system is equipped with robust security measures to protect your data at all times.

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 supports your financial goals across various sectors with $5,864 in used auto loans and $215,605,801 in total loans and leases. Our operations reflect our efficiency as evidenced by our current $0. This enables us to continue offering competitive loan rates and solid financial products for our members.

Dedicated Team

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. Your needs are important to us; we strive to create an environment where you feel valued and supported.

Growing Membership

With a total of 37,004 share accounts, we have built a strong member base that trusts us with their finances. This growth reflects our dedication to providing quality service tailored to 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 495 Oceanport Ave Oceanport Nj 07757 or call (732) 380-3600 to learn more about how we can help you achieve your financial goals.

Secure Savings Options

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.

Solid 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, with over $83,766,030 in used vehicle loans and $9,471,690 in new vehicle loans already helping members get on the road. Whether you're interested in financing a brand-new model or a reliable pre-owned vehicle, we have options that will suit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $13,187,135 provide the capital needed to grow and expand your operations. We understand the challenges businesses face and are dedicated to supporting local entrepreneurs with financing solutions that fit their needs.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $24,573,571. This means that whether you're purchasing your first home or looking to refinance an existing mortgage, we're here to guide you through the process.

Refinancing Options

If you're considering refinancing any existing loans or mortgages for better rates or terms, our team is ready to discuss eligibility options tailored just for you. We want to ensure that our members have access to the best possible financial tools available. At First Atlantic located at 495 Oceanport Ave, Oceanport, NJ, we prioritize transparency and member service. Feel free to reach out to us at 732-380-3600 during our business hours (M-F 8:30 AM - 5 PM; SA 9 AM - 12 PM) for personalized assistance regarding any of our loan offerings. 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 are here to help you navigate your financial journey successfully!

Unsecured Credit Card Loans

Managing day-to-day expenses can be tricky at times. That's why 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. Our credit cards come with rewards and features designed to provide added value.

Loan Aggregator

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First Atlantic