Credit union · NCUA insured
The Atlantic Federal Credit Union
Top CarrotA $236M credit union headquartered in Springfield, NJ, with 14,720 members and 2 branches in New Jersey. Best rates: CDs 4.16% and savings 0.50% APY.
The Atlantic Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 88% of U.S. banks and credit unions
#18 of 161 in New York, NY-NJ metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About The Atlantic Federal Credit Union
- Headquarters
- 2 Edison Pl, Springfield, NJ 07081
- NCUA charter
- 477
Branches
2 branches in New Jersey
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New Jersey
2 branches
- The Atlantic Federal Credit Union315 S Harrison St, East Orange, NJ 07018Directions
- Atlantic Federal Credit Union1331 Magie Ave, Union, NJ 07083Directions
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 | 13.59% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 3.51% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.10% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $91 | $76 | — |
- CapitalNet worth ratio13.59%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late3.51%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.10%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$91Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 The 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.