Business Details
50+ Years
experience
Your Trusted Credit Union in Vineland, NJ
Bay Atlantic Fed Credit Union has served members since 1939, evolving from a small Cumberland County credit union to a full-service financial institution in Vineland, NJ. Originally established by Kimble Glass employees, we maintain our founding principle of 'people helping people' through member-owned, not-for-profit financial solutions. Our services include competitive lending, savings products, and digital banking tools designed to empower over 9,000 members across 150 member groups.We prioritize financial education and community development while maintaining NCUA insurance for member accounts up to $250,000. Our leadership team, including CEO Gail Marino, continues the legacy of our original charter members through innovative financial services and local market expertise.
Services
Auto Loans
Credit Cards
Checking Accounts
Savings Accounts
Mortgage Services
Debit Cards
Financial Education
Mobile Banking
Loan Refinancing
Fraud Protection
Details
- Year established: 1939
Highlights and features
- Member-owned financial institution since 1939
- Competitive rates on loans and credit products
- NCUA-insured accounts up to $250,000
- Free financial education resources available
- 24/7 mobile banking with fraud protection features
Associations and certifications
- National Credit Union Administration (NCUA)
Services
Auto Loans
We provide competitive auto loan rates for new and used vehicles with flexible terms. Members can borrow up to 125% of NADA Clean Retail value with options for debt protection and GAP insurance. Our streamlined process helps members finance their next vehicle purchase or refinance existing loans.
Credit Cards
Our Visa credit cards offer low interest rates with no annual fees or balance transfer charges. Features include digital wallet integration, fraud protection, and blocked online gambling transactions for security. Cards help members build credit while avoiding excessive fees charged by traditional banks.
Checking Accounts
Share draft accounts provide daily financial management with no minimum balance requirements or monthly fees. Features include free Visa debit cards, online bill pay, overdraft protection, and mobile banking access. Account holders receive fraud detection calls and early pay notifications for enhanced security.
Savings Accounts
Share savings accounts require a $25 minimum balance for membership ownership. We offer holiday and vacation club accounts with automatic transfers. All shares receive NCUA insurance up to $250,000 with options for direct deposit and digital banking access to track balances and transactions.
Financial Education
We provide free financial literacy resources through partnerships like Zogo's homebuying course. Educational materials cover budgeting, credit management, and homeownership preparation with multilingual access in English and Spanish for diverse member needs.
People
Gail Marino
CEO/President
Gail Marino leads Bay Atlantic Fed Credit Union as CEO/President, continuing the legacy of her family's founding membership. With decades of credit union experience, she focuses on community financial empowerment through innovative services and educational programs.
Questions
How do I become a Bay Atlantic FCU member?
Membership requires meeting eligibility criteria and maintaining a $25 share savings account. Visit our main office or contact us for specific requirements.
What loan rates does Bay Atlantic FCU offer?
Current rates include 4.24% APR for 2025-2022 auto loans, 8.49% APR for personal loans, and 9.90% APR for credit cards (as of latest update).
How does the Debit Card Round Up program work?
This feature rounds debit card purchase amounts to the nearest dollar and transfers the difference to your designated savings account automatically.
What mortgage services are available?
We partner with State Financial Network to provide home purchase financing options, including educational resources through Zogo's homebuying course.
How do I report a lost or stolen card?
Call 877-590-8866 during business hours or 866-217-1773 after hours, or use the Mobiliti Mobile app to report lost/stolen cards immediately.
