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Credit union · NCUA insured

Bay Atlantic Federal Credit Union CD Rates

Top Carrot, Carrot Score 89Top Carrot

Bay Atlantic Federal Credit Union’s best CD rate is 2.53% APY on a 5-year share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 22, 2026.

How Bay Atlantic Federal Credit Union’s CD rates compare

Compared with banks and credit unions near Vineland, NJ, where Bay Atlantic Federal Credit Union has the most branches. $10,000, best rate first.

  • Top Carrot, Carrot Score 89

    This credit union’s best

    Bay Atlantic Federal Credit Union

    2.53%APY

    Term
    60 months
    Minimum
    $2,500
    Earns on $10,000
    $1,331

    Share Certificate

  • Top rate

    PNC

    4.25%APY

    Term
    13 months
    Minimum
    $1,000
    Earns on $10,000
    $461

    PNC rates

  • Top Carrot, Carrot Score 90

    2nd-highest rate

    First Harvest Credit Union

    4.25%APY

    Term
    24 months
    Minimum
    $500
    Earns on $10,000
    $868

    First Harvest Credit Union rates

Compare CD rates near you →

Bay Atlantic Federal Credit Union CD score

64

CD score

Higher than 11% of U.S. banks and credit unions

By term
  • 3–8 months3–8 mo1.51%
  • 9–15 months9–15 mo1.76%
  • 16–30 months16–30 mo2.02%
  • 31–60 months31–60 mo2.53%
  • QualifiedQualified2.53%

Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.

How the score works →

Where Bay Atlantic Federal Credit Union ranks

By CD score, in each area where it has branches

Every rate

Current CD rates

Rates from the credit union’s website. Earnings assume the rate doesn’t change.

Who can join Bay Atlantic Federal Credit Union

This may be incomplete or out of date, so check with the credit union before you apply.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.

Membership information collected October 5, 2026.

Check membership requirements ↗Branches and institution details
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