Credit union · NCUA insured
Bay Atlantic Federal Credit Union
Top CarrotA $95.5M credit union headquartered in Vineland, NJ, with 9,139 members and 2 branches in New Jersey. Best rates: CDs 2.53% and savings 1.26% APY.
Bay Atlantic Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#3 of 13 in Vineland, NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Bay Atlantic Federal Credit Union
Organized in Cumberland County in 1939 as Kimble Federal Credit Union for Kimble Glass employees, Bay Atlantic Federal Credit Union is a member-owned, not-for-profit financial institution.
Originally operated inside the glass plant, operations moved to Crystal Avenue in 1972 before locating on Elmer Road in Vineland, New Jersey.
- Headquarters
- 101 W Elmer Rd, Vineland, NJ 08360-6312
- NCUA charter
- 3541
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees and retirees of member groups or associations are eligible for membership.
Family and household
- Immediate family members of current account holders are eligible for membership.
Other ways
- Supporters of community partners Big Brothers Big Sisters of Cumberland and Salem Counties and CU Maurice River are eligible for membership.
Cost to join
- Members must open a Share Savings account with a minimum deposit of $25.
Branches
2 branches in New Jersey
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New Jersey
2 branches
- ElmerMain office101 W Elmer Rd, Vineland, NJ 08360Directions
- Members 1st of NJ Federal Credit Union37 W Landis Ave, Vineland, NJ 08360Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 8.92% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.23% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.33% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $54 | $59 | — |
- CapitalNet worth ratio8.92%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.23%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.33%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$54Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Bay Atlantic Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.