First Atlantic Credit Union Toms River NJ | Low Mortgage Rates & Quick Personal Loans

Introduction

Welcome to First Atlantic, your trusted financial partner located at 1580 Lakewood Road, Toms River, NJ 08754. Since our establishment in 1935, we have been dedicated to serving our community and providing exceptional banking services tailored to meet the needs of our 24,227 valued members. With total assets of $291,790,412 and total deposits amounting to $39,171,999, we are committed to ensuring your financial well-being. At First Atlantic, we believe in building lasting relationships with our members. Under the leadership of CEO Ann Goldinak and Board President Jason Snagusky, our team of 53 employees is here to assist you with a variety of services including personal banking, auto loans, mortgages, and business financing. We take pride in offering a welcoming atmosphere where everyone feels at home. While you can visit us at our branch for all your banking needs, please note that official correspondence should be directed to our mailing address: 1580 Lakewood Road, Toms River, NJ 8754. Whether you're looking for a new vehicle loan or want to explore investment options, we're here to help you every step of the way. Our commitment extends beyond just numbers; we strive to make a positive impact in the lives of our members and the Toms River community. Ready to take the next step? Give us a call at 732-380-3600 or visit us online at FAFCU.COM for more information about our services. Join us today and experience the difference that comes with being part of First Atlantic!

Branch History & Mission

Welcome to First Atlantic, a cornerstone of financial support in Toms River, NJ. Since opening our doors in 1935, we have proudly served our community with dedication and care. From humble beginnings, First Atlantic has grown into a trusted credit union, providing quality financial services that empower over 24,000 members. Our branch is located at 1580 Lakewood Road, conveniently situated near local landmarks that make it easy for you to visit us. Throughout the years, we have seen many changes in banking and technology. However, our mission has remained steadfast: to enrich the lives of our members by offering accessible financial solutions and fostering community connections. At First Atlantic, we believe in putting people before profits. This philosophy drives us to create personalized banking experiences that meet your unique needs. With total assets exceeding $291 million, we stand strong as a pillar of stability and trust within the community. Our commitment to responsible growth is evident through our wide range of offerings, including personal and business banking services, auto loans, mortgages, credit cards with rewards, and more. We are proud to be equipped with modern digital tools such as online banking and mobile payments, ensuring that our members can manage their finances easily and securely. At First Atlantic, we understand the importance of community involvement. We actively participate in outreach programs that strengthen local initiatives and support those in need. Our partnerships with various organizations reflect our desire to make a positive impact right here in Toms River. Our operating hours are designed with your convenience in mind: Monday through Friday from 8:30 AM to 5 PM and Saturday from 9 AM to 12 PM. Whether you prefer visiting us in person or using our ATM or drive-thru services for quick transactions, we are here to serve you. While members can visit us at 1580 Lakewood Road for all their banking needs, official correspondence should be sent to the same address: 1580 Lakewood Road, Toms River, NJ 8754. Join us at First Atlantic today! Experience the benefits of being part of a member-focused credit union dedicated to your financial well-being and community growth. Contact us at 732-380-3600 or explore our website at FAFCU.COM for more information on how we can help you achieve your financial goals.

Branch Location & Accessibility

Accessibility Features

At First Atlantic, we believe everyone deserves access to quality financial services. Our branch is ADA compliant, featuring ramps and designated parking spots for individuals with disabilities. No matter your needs, we strive to ensure every member feels comfortable visiting us.

Convenient Location

Situated near popular landmarks and local attractions, our branch is easy to find. As you approach us on Lakewood Road, you'll notice the welcoming atmosphere that reflects our commitment to community banking. For those driving in, we offer ample parking spaces right outside the entrance, making your visit hassle-free.

Get in Touch

Have questions? Feel free to give us a call at (732) 380-3600 or stop by during our operating hours. We're excited to meet you and help you achieve your financial goals!

Operating Hours

We know your time is valuable. That's why we're open Monday through Friday from 8:30 AM to 5 PM and Saturdays from 9 AM to 12 PM. Our extended hours provide flexibility for busy schedules, allowing you to bank at a time that works best for you.

Services Offered

From personal banking services like checking and savings accounts to auto loans and mortgages, we have everything you need under one roof. We also offer credit cards with rewards and business banking options for entrepreneurs. Need cash? You can easily access our ATM or take advantage of our drive-thru service for quick transactions. While members can visit us at 1580 Lakewood Road Toms River Nj 08754, official correspondence should be sent to 1580 Lakewood Road, Toms River, NJ 8754 if it differs from our physical location.

Member Eligibility

Becoming a member of First Atlantic is like joining a caring family that supports your financial journey. If you're living, working, worshiping, or attending school in the Toms River area, you're likely eligible to join us! We welcome individuals from all walks of life and believe everyone deserves access to quality financial services. At First Atlantic, we offer a range of benefits tailored to help you thrive, including competitive loan rates, personalized service, and community-focused initiatives. Ready to take the next step? Opening an account is straightforward and inviting! To learn more about eligibility details, check out our resource at . If you have questions or want assistance, don't hesitate to give us a call at (732) 380-3600. We're excited to welcome you into our community at First Atlantic, located at 1580 Lakewood Road Toms River Nj 08754!

Business Banking & Commercial Services

Commercial 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, we provide robust merchant services that simplify payment processing and enhance cash flow management. Imagine having a seamless way to accept payments from customers whether it's via credit card, mobile wallet, or online transactions. This not only saves time but also helps you focus on what matters most: growing your business. Visit us at 1580 Lakewood Road Toms River Nj 08754 or call us at (732) 380-3600 to learn how our business banking solutions can help your enterprise thrive!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're considering purchasing a new car, our Auto Loans & Vehicle Financing options provide competitive rates and flexible terms. Picture driving off in your new vehicle, knowing that you secured financing that fits your budget perfectly. We help make this process simple, whether you're buying new or used.

Business Banking

If you're a business owner, our Business Banking services are crucial for managing your operations efficiently. From merchant services that simplify transactions to business loans that fuel growth, we have tools designed specifically for entrepreneurs.

Credit Cards with Rewards

Don't forget about earning while you spend! Our Credit Cards with Rewards allow you to earn points on purchases that can be redeemed for travel, gift cards, and more. It's a smart way to make everyday expenses work in your favor.

Digital Banking Features

With all these services available through our Online & Mobile Banking, accessing your accounts is convenient and secure. Need cash? Use our ATM services or visit us for basic drive-thru banking options like deposits and withdrawals all designed to fit into your busy life. In summary, whether you're at home or on-the-go, First Atlantic provides comprehensive financial solutions tailored just for you. Ready to take the next step? Visit us at 1580 Lakewood Road Toms River Nj 08754 in Toms River, NJ, or call us at (732) 380-3600 today! Your financial well-being is just a conversation away.

Mortgage Loans & Refinancing

For those ready to settle down, we offer Mortgage Loans & Refinancing solutions. Whether it's your first home or an investment property, navigating the mortgage landscape can be daunting. Our team is here to guide you through every step, ensuring you understand your options and find the best fit for your needs.

Personal Banking

One of our core offerings includes Personal Banking, where you can open checking and savings accounts tailored to your lifestyle. Imagine being able to easily track your spending and save for that dream vacation all from your smartphone through our user-friendly online and mobile banking platforms. With features like e-statements and electronic signature authentication, managing your finances has never been easier.

Personal Loans & Debt Consolidation

Life is full of surprises, which is why our Personal Loans & Debt Consolidation services are designed to give you peace of mind when unexpected expenses arise. Whether it's funding a home renovation or consolidating debt for easier management, we work with you to create a plan that alleviates financial stress.

Digital & Online Banking

Always Available Banking

Worried about banking hours? Don't be! Our 24/7 Online Banking Services mean that whether it's early morning or late at night, you can always access your accounts when it suits you best. This means real-time account management is just a click away. At First Atlantic, we prioritize your security while providing these modern conveniences. Our systems are designed with top-notch security measures so that you can bank confidently from anywhere. Explore the full range of our digital banking services today and take control of your financial future with ease!

Key Features for Your Convenience

Our online banking system offers a host of features that make it easy to keep track of your accounts. You can view your balances, pay bills, and transfer funds with just a few clicks. Plus, our E-Statements service ensures you receive your account statements electronically, saving you time and paper. We also support Electronic Signature Authorization, allowing you to sign documents securely without the hassle of printing and mailing. If you're someone who enjoys using mobile technology, you'll be pleased to know we offer a robust Mobile Application. This app not only lets you manage your accounts but also enables Mobile Payments, making it simple to pay for purchases directly from your phone. Need to send money to friends or family? Our Person-to-Person Transfers feature allows you to do just that instantly.

Financial Strength

At First Atlantic, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are proud to share our financial strength, which underscores our commitment to serving you reliably and effectively. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. 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. 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. 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 available to help support your financial goals across various sectors. Our efficient operations are 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 44 full-time employees and 9 part-time employees who ensure our branches are always ready to serve you with a knowledgeable, committed team. Net Shares (Funds available for lending and investments): $0. Total Share and Deposit Accounts: 37,004, showing a strong and growing member base that trusts us with their finances. 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 1580 Lakewood Road Toms River Nj 08754 or call (732) 380-3600 to learn more about how we can help you achieve your financial goals.

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. We provide flexible terms and quick approvals to make your car-buying experience seamless.

Business Loans

For business owners, our outstanding commercial loans totaling $13,187,135 provide the capital needed to grow and expand. We offer tailored solutions that align with your business objectives and financial plans. At First Atlantic, we prioritize your financial well-being. If you're considering refinancing or exploring eligibility options for any of our loan products, feel free to reach out to us at 732-380-3600. Our team is ready to assist you! For performance insights and financial data sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. We're here to help you every step of the way!

Credit Lines

For those needing a little extra financial flexibility, our credit lines totaling $25,621,316 are designed to give you access to funds when you need them most. Whether it's for unexpected expenses or planned purchases, having a credit line can be a valuable resource.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $24,573,571, make buying or refinancing simple. We work closely with our members to ensure they understand their options and find the best fit for their needs.

Unsecured Credit Cards

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 that enhance your spending experience while providing peace of mind.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and accuracy, LendMesh ensures that users receive fair and reliable information. 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 using verified sources means that users can trust the offers presented to them, knowing they come from legitimate financial institutions. One of the key benefits of using LendMesh is its verified data. All loan offers are sourced from accredited lenders, ensuring transparency in the comparison process. Additionally, there are no sponsored listings on the platform; lenders are not prioritized based on paid promotions. This approach guarantees that users receive unbiased results tailored to their needs. LendMesh also provides real-time rate comparisons, allowing users to view up-to-date loan rates from multiple institutions. This feature helps individuals make informed decisions about their borrowing options. 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!" For anyone looking to compare loans without confusion or hidden agendas, LendMesh stands out as a reliable tool. 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