Back to Vineland credit unions

Bay Atlantic

101 W ELMER ROAD, Vineland, NJ 08360
NCUA Insured4.6 (143 reviews)1 charter

Verified Information

NCUA Insured

Member-Owned

1 charter

Established in 1939

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

101 W ELMER ROAD

Vineland, NJ 08360

Service Area

This credit union is located in Vineland and serves members in the NJ area. Currently serving 9,205 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

1.99%

Used Auto Loan

4.99%

Personal Loan

18.00%

Credit Card APR

9.62%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in NJ

Lowest rates currently reported by credit unions in NJ (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(3 total)

Member Reviews

4.6

143 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
JUN JUN

JUN JUN

3 months ago

3 times I've been there to open an account. Three times theres no one avaliable upfront. They walk through and ignore everyone. I dont know who said this is a good bank for all those reviews but this isnt the bank I would want to hold my money. Even customer service lady was as rude and obnoxious as anyone could ever be. Self righteous and entitled. Ot worth the aggravation.

Steve ONeill

Steve ONeill

6 months ago

I recently met with MSR II Manager Amabel Ynzon, and her professionalism was outstanding! Amabel was courteous, thorough, and kept me well-informed throughout the entire process. Truly excellent customer service! Very much appreciated!

Kelli Nunez

Kelli Nunez

7 months ago

Amabel Ynzon is always so nice and outgoing yet professional! She helped my nephew set up his account with ease and satisfaction❣️ I always have an excellent experience whenever Amabel has helped me in the past. Amabel is amazing at her job! Thank you Amabel

April Gonzalez

April Gonzalez

3 months ago

Amabel was a huge help! She explained everything in perfect detail and was a pleasure to work with. Thank you!

christina m0ntanez

christina m0ntanez

a year ago

I had to set up my business account last minute and Amabel was so wonderful! The process usually takes about an hour she said, but she was quick and her office is too cute! I felt very comfortable asking questions, I even called her after I left the office with more questions and she was still pleasant and professional. Thank you Amabel, you’re awesome!! I would be happy to refer family and friends to Amabel knowing she’ll take great care of them!

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).