The Atlantic West Orange NJ Credit Union | Best Auto Loans & Quick Personal Loans

Introduction

Welcome to The Atlantic, your trusted financial partner located at 455 Prospect Ave, West Orange, NJ 07052. Since our establishment in 1935, we have proudly served our community with a commitment to financial well-being and growth. At The Atlantic, we understand that every member's journey is unique, and we're here to support you every step of the way. With over 15,515 members, we take pride in fostering strong relationships built on trust and transparency. Our total assets now stand at an impressive $247,692,112, reflecting our dedication to sound financial practices. We offer a range of services tailored to meet the diverse needs of our community from personal banking solutions like checking and savings accounts to auto loans and mortgage refinancing. Our commitment doesn't stop at just numbers; it extends to making a positive impact in the lives of those we serve. With a total loan portfolio of 18,473 loans and leases, we're helping individuals achieve their dreams, whether it's buying a new car or investing in a home. Our total deposits are equally robust at $8,908,668, ensuring that your hard-earned money is safe with us. Leadership plays a vital role in our success. Under the guidance of CEO Anthony Mero and Board President Michael Locurcio, The Atlantic remains focused on serving its members with integrity and excellence. Our team of 44 dedicated employees is always ready to assist you with personalized service. While members can visit us at 455 Prospect Ave, official correspondence should be sent to our mailing address: P.O. Box 618, Kenilworth, NJ 7033. If you have any questions or need assistance, don't hesitate to reach out at (908) 245-1750 during our operating hours from 9:00 AM to 5:00 PM Monday through Friday and 9:00 AM to 12:00 PM on Saturday. Join us today and discover how The Atlantic can help you navigate your financial journey with confidence! Visit us online at The Atlantic for more information or start your membership application here.

Branch History & Mission

Accessibility & Service

To ensure everyone can access our services comfortably, The Atlantic is committed to being ADA compliant. Our branch features both ATM availability and drive-thru banking options for your convenience. We operate Monday through Friday from 9:00 AM to 5:00 PM and on Saturdays from 9:00 AM to 12:00 PM. While members can visit us at 455 Prospect Ave West Orange Nj 07052, official correspondence should be sent to P.O. Box 618, Kenilworth, NJ 7033. If you have any questions or need assistance, feel free to reach out at 908-245-1750.

Join Us

As we look toward the future, we invite you to become part of The Atlantic family. Experience firsthand how our member-focused approach can benefit you and your loved ones. Explore our offerings today by visiting our website or taking the first step toward membership here. Together, let's build a brighter financial future!

Our Mission

At The Atlantic, our mission is simple yet powerful: we strive to provide exceptional financial services while fostering a supportive environment for our members. We believe in putting people before profits and aim to improve the lives of those we serve by offering innovative products and solutions tailored to their unique needs. Whether you're looking for a new vehicle loan or planning for your future with savings accounts and mortgages, we are here to help you navigate your financial journey. Our commitment extends beyond just providing banking services; we actively engage with our community through outreach programs and partnerships designed to uplift and empower local residents. We understand that financial education is vital, which is why we offer resources and workshops aimed at improving financial literacy among our members.

Branch Location & Accessibility

Welcome to The Atlantic, your friendly neighborhood credit union located at 455 Prospect Ave in West Orange, NJ. We are dedicated to making banking easy and accessible for all our members. Nestled conveniently near local landmarks, our branch is just a short drive from the West Orange Town Hall and minutes away from the popular Eagle Rock Reservation, making it an ideal stop for your banking needs while you're out and about. At The Atlantic, we take pride in offering a welcoming environment with ample parking and easy access for everyone. Our branch features ADA-compliant facilities, including ramps for those who may need assistance. Whether you're visiting us for personal banking services or simply stopping by to use our ATM, we ensure that your experience is smooth and hassle-free. Our operating hours are designed to accommodate your busy schedule. We're open Monday through Friday from 9:00 AM to 5:00 PM, and on Saturdays from 9:00 AM to 12:00 PM for drive-thru service. This means you can easily fit banking into your week without any stress. We're proud to offer a range of services tailored to meet your financial needs. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. Need quick cash? Our ATM is available for withdrawals and balance checks right at the branch! For any inquiries or assistance, feel free to reach out to us at 908-245-1750. We're here to help you navigate your financial journey every step of the way! We invite you to visit us today at The Atlantic where your financial well-being is our top priority!

Member Eligibility

Becoming a member of The Atlantic is like joining a family that truly cares about your financial well-being. To be eligible, you simply need to live, work, worship, or attend school in the areas we serve. It's as straightforward as that! Once you meet these criteria, you're on your way to enjoying all the benefits of membership, including personalized service and competitive rates on loans and savings accounts. If you want to learn more about the specifics of eligibility, feel free to visit us at https://www.theatlanticfcu.com/about-us/membership for detailed information. Opening an account with us is easy and welcoming. You can start the process online by visiting https://online.theatlanticfcu.com/auth/enrollment?culturename=en , or if you prefer a personal touch, give us a call at (908) 245-1750. Our friendly team is here to guide you every step of the way. We're located at 455 Prospect Ave West Orange Nj 07052, ready to help you take this exciting step towards better financial health!

Business Banking & Commercial Services

Practical Merchant Services

In addition to loans, we offer merchant services that make everyday transactions easier. Imagine having a reliable partner that helps you accept payments quickly and securely. Our solutions cater to various business needs, ensuring you can focus on what matters most growing your business. Located at 455 Prospect Ave West Orange Nj 07052 in West Orange, NJ, we're here to provide the support you need. Contact us today at (908) 245-1750 to learn how we can help your business flourish!

Tailored Loan Options for Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $17 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $2 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $21,888,940, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

ATM & Drive-Thru Access

For those who prefer face-to-face interactions or quick transactions, our drive-thru banking allows for basic deposits and withdrawals without leaving your vehicle. Plus, with our extensive network of ATMs, accessing cash is quick and easy. We invite you to visit us at 455 Prospect Ave West Orange NJ 07052, or give us a call at 908-245-1750 for any inquiries about our services or membership eligibility. At The Atlantic, we're here to support your financial well-being every step of the way!

Business Banking Services

At The Atlantic, we don't just cater to individuals; we also support local businesses through our business banking services. From merchant services to business loans, we provide the tools you need to thrive in today's competitive market.

Convenient Digital Banking

In today's fast-paced world, convenience is key. That's why we offer robust online and mobile banking features that let you manage your finances anytime, anywhere. You can pay bills, transfer funds, and even make person-to-person payments with ease making banking simple and accessible.

Credit Card Benefits

Managing everyday purchases is easier with our credit cards with rewards. Enjoy benefits that make spending more rewarding, whether it's cash back or points towards future travel.

Home Financing Options

For those considering homeownership or refinancing an existing mortgage, our mortgage loans are here to guide you through every step. We work closely with our members to find a mortgage solution that fits their budget and lifestyle.

Personal Banking Solutions

Whether you're opening your first checking account or looking to grow your savings, our personal banking options are designed with you in mind. With checking and savings accounts, you can easily manage your money and save for future goals. We understand that life can bring unexpected expenses, which is why we also offer personal loans and debt consolidation solutions to help you regain control over your finances.

Vehicle Financing Made Easy

Thinking of purchasing a new car? Our auto loans and vehicle financing options provide competitive rates to help you drive off in the vehicle of your dreams without breaking the bank. We simplify the loan process so you can focus on choosing the right car for you.

Digital & Online Banking

Key Features

Our online banking services come packed with features that enhance your banking experience. For those who prefer to manage their accounts on the go, our mobile application is available for download, allowing you to handle transactions right from your smartphone. Whether you're checking balances, transferring funds, or making payments, everything is just a tap away. If you need to send money quickly to friends or family, our person-to-person transfer feature makes this process effortless. You can send and receive money securely without needing cash or checks. Plus, with our mobile payments feature, you can pay for purchases directly from your phone making shopping convenient and hassle-free.

Security and Accessibility

Your security is our priority. While we do not currently offer electronic signature authorization, rest assured that all transactions through our online platform are protected with advanced security measures. You can bank with confidence knowing that your personal information is safe. We also provide e-statements so you can keep track of your account activity without the clutter of paper statements. Accessing your financial information has never been easier or more environmentally friendly. With 24/7 online banking services available at Yes, you have the flexibility to manage your accounts whenever it suits you. Whether it's day or night, we're here to help you take control of your finances effortlessly. Join us at The Atlantic today and discover how our digital banking solutions can simplify your financial life!

Financial Strength

Commitment to Growth

With $33,949,679 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 members' financial goals across various sectors with $1,004 in used auto loans and $194,407,965 in total loans and leases.

Growing Membership Base

We have a growing member base that trusts us with their finances, as indicated by our total share accounts of 30,382. This reflects the confidence our community has placed in us over the years. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, The Atlantic is your trusted partner. Visit us at 455 Prospect Ave West Orange Nj 07052 or call (908) 245-1750 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Savings

Members' savings are secured through $34,623,242 in share certificates and $3,866,023 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $39,283,902, 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 $-398,141, which enables 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 0 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Solid Financial Foundation

With a net worth of $34,071,466, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $1,373 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 $14,133,133 in used vehicle loans and $3,030,987 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive rates, making it easier for you to drive away in the vehicle you desire.

Business Financing

For business owners, our outstanding commercial loans totaling $21,888,940 provide the capital needed to grow and expand. We understand the challenges of running a business and are here to support you with tailored financing solutions. Whether you're considering refinancing your existing loans or exploring eligibility options for new ones, our team is ready to assist you every step of the way. For more information about our loan offerings or to discuss your specific needs, feel free to contact us at (908) 245-1750, visit us at 455 Prospect Ave West Orange Nj 07052, or check out our website at https://web.atlfedcu.com . Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Credit Lines and Unsecured Loans

For those who need quick access to funds for personal expenses, we also offer flexible terms on unsecured credit card loans, with a total of $3,248,436 in loans helping members manage their finances effectively. Additionally, our total credit lines amounting to $27,526,922 provide an excellent resource for unexpected expenses or planned purchases.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $20,918,899, make buying or refinancing simple. We offer various plans to suit your needs and budget, whether you're a first-time homebuyer or looking to refinance your current mortgage.

Loan Aggregator

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THE ATLANTIC FEDERAL CREDIT UNION