Bay Atlantic Federal Credit Union Savings & Money Market Rates

How Bay Atlantic Federal Credit Union’s savings 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.

This credit union’s best
Bay Atlantic Federal Credit Union
1.26%APY
Minimum
—
Earns on $10,000 a year
$126
Money Market
Top rate
First Harvest Credit Union
3.00%APY
Minimum
—
Earns on $10,000 a year
$300
First Harvest Credit Union rates
2nd-highest rate
The First National Bank of Elmer
2.50%APY
Minimum
$500
Earns on $10,000 a year
$250
The First National Bank of Elmer rates

Compare savings rates near you →

Savings score

Higher than 73% of U.S. banks and credit unions

By balance

$10,000 balance$10,0001.26%
$100,000 balance$100,0001.76%
QualifiedQualified1.26%

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 savings score, in each area where it has branches

Every rate

Current savings rates

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

Money Market

1.26%APY

Must be a Bay Atlantic FCU member with a current share savings account. Can be opened in person. Minimum balance requirement is $2,500. Account withdrawals, transfers, and checks are limited to 3 per month and must be at least $250 each. Deposits can be made at any time but must be at least $250 each.

Earnings on $10,000 over a year.
Balance	APY	Earns on $10,000 a yearEarns	Requirement
$2,500 and upMinimum balance requirement is $2,500. Compounded monthly. Fees could reduce account earnings.	1.26%	$126	Minimum balance requirement is $2,500. Compounded monthly. Fees could reduce account earnings.
$25,000 and upCompounded monthly. Fees could reduce account earnings.	1.76%	—	Compounded monthly. Fees could reduce account earnings.

Sources (2)

All captured Oct 4, 2026

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This may be incomplete or out of date, so check with the credit union before you apply.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