About Us

Credit unions are different. They’re a place where each member has a story, and it’s more about their dreams than their credit scores. That’s why the customers are called members, the benefits are inclusive, and the relationships are truly genuine.

Bay Atlantic Federal Credit Union is a member owned, not-for-profit, full service financial institution. We have been providing quality services since 1939. We serve the employees of more than 100 local businesses.

Mission Statement

Our commitment is to help our members achieve financial success while providing quality, friendly service.

Philosophy & Structure

Credit unions are democratically owned and controlled institutions based on ‘people helping people’ principles. Credit union boards of directors are elected by members; each member has an equal vote, regardless of how much he or she has on deposit. Only members may serve as directors, and directors serve without compensation. Credit unions have no outside stockholders, so after reserves are set aside, earnings are returned to members in the form of higher dividends on share savings, lower loan rates and lower cost services.


Contact Us

Call Us:
877-590-8866 (toll free)
Email Us:
Fax Us:
Write to Us:
101 W. Elmer Road Vineland, NJ 08360


Achieve Physical Therapy
Academy of Therapeutic Massage & Healing Arts
Acu Print Corp
Aerus Electrolux/SNJ Floor Care
AFGE, Local 3975
AG Machine
AGC Acquisitions LLC/Andrews Glass Co
AJM Packaging Corp
All Kids First
Ambulatory Care Center, P.A.
AMCOR Pkg/Millville Plastics
American Cleaning Specialists
American Littoral Society
Animal Clinic of Millville
Asselta Mechanical
Aunt Kitty's (Venice Maid)
Avicon USA LLC
Baker House
Bay Atlantic Symphony
BECA Environmental Consultants
Bellco Glass Inc
Berco Fleet Service Inc
Big Brothers/Big Sisters of CC
Bishop McCarthy Residence
BKT High Qual Healthcare dba Dignity Nursing & Staffing
Bridor USA
Buena Borough Police Dept
Business Leaders Edge and their affiliates
  - Quinn Comm & Mkting dba SNJ Today
  - Glasstown Productions
  - Imminent Communications
  - ClearBridge Media
Byers Electrical
CARE Consulting LLC
Carlos' Auto Repair
Carlos Perez LLC
Center for Ankle, Foot & Wound Care
Chocolate on Occasion LLC
Clement Pappas Co Inc
Comtec Communications
Corning Pharmaceutical Glass LLC
Cumberland County Community Church
Cumberland Medical Assoc PA
Daily Journal
Datwyler (Helvoet)
DDK Construction
Dempsey Weiss & Associates

DiBiase Pre School
Dondero Jewelry
Dutra Sheet Metal
English Portable Sanitation LLC
English Sewage Disposal
Eric Gaines Electrical Construction Inc
F & S Produce Co Inc
Fabrizio Chiropractic LLC
Ferreri Drywall & Painting
Friedrich & Dimmock Inc
Garton's Rigging
General Mills/Progresso Foods
Gerresheimer Glass
Gibson's Kidstown Childcare
Glastron/Tech Glass Co
Golan Learning Center Inc
Greater Vineland Chamber of Comm
Greenblatt & Laube
(The) Haven of Vineland
H.S. Martin
HealthSouth Rehab of Vineland
Higher Places Ministries Employees 
Higher Places Ministries Congregation Hoag-Parrish Financial Mgmt
Hobby Lobby
Homeland Vinyl Products Inc
Hund Plumbing HVAC LLC
Ideal Dry Cleaning
I.G.I. Inc (Teligent)
J & C Auto Sales
Jack & Jill Nursery School
Jacob & Chiarello LLC
Johnson Body Shop Inc
Just a Personal Touch LLC
Kavanagh, Kavanagh & DiLazzero LLC
Kennedy Concrete, Inc
LB Express LLC
L & M Mobile Tax Service
Landis Sewerage Authority
Larry's II
Lassonde Pappas
Lavenia Transport
Little Lamb Pre-School
Lucca Freezer & Cold Storage Inc
Lutheran Church of the Redeemer
MacDonald Communications
Maurice House
Merighi's Savoy Inn
Millville Community Church
NDS Technologies
New Era Enterprises Inc
NJ Career Ctr Emp & students
Nipro Glass Americas
Nowak Associates Inc
Omni Baking Co
Phillip S Van Embden PC
Phoenix Glass, LLC
Pineland Learning Center Inc
Pipco Transportaion Inc
Piramal Glass
Precision Electronic Glass
Print, Signs & Designs
Print Solutions Plus
Quality Dental Care
Ramada Vineland
Raritan Engineering Co., Inc.
Ream New & Used Furniture
Richland Glass Co Inc
RLS Logistics
Rossi Honda
Salon Millenium
Servpro of Cumberland County
Signature Smiles
Soul Saving Ministries of the Ap Faith
South Jersey Cruisers Association
Southern NJ Steel
Special Effex
St. Augustine Prep
Tedesco, Gruccio & Reuss
TenBrook Orthodontics
Terumo Medical Corp
Thomas P Farnoly PA
Trico Equipment Inc
Trinity Bible Church
Union Lake Sailing & Tennis Club
Urban Sign & Crane Inc
USA Busy Bee Inc
Union Lake Sailing & Tennis Club
Vineland Fireworks Co Inc
Vineland First Church of the Nazarene
Vineland Rotary Club
Vineland Syrup Inc
Vipin Gupta MD
Voros Plumbing
Waste Management
Wheaton Industries
Worldwide Glass Resource Inc
Xpress Computers


Employees of the above Employees Groups and Organizations, their immediate family (mother, father, brother, sister, children, stepchildren, grandparents, grandchildren) as well as household members are eligible to join the credit union.




Account activity print out $1.00
Account research (per hour) $30.00
ATM Card Fee (per month) $3.00
ATM/Visa check card deactivation $15.00
Automatic overdraft transfer $5.00
Certified check $5.00
Copy of Sharedraft $5.00
Copy of sharedraft on-line
(first two free each month)
Deposited items returned unpaid $25.00
Early withdrawal fee
(holiday accounts)
Early withdrawal fee (shares);
closed within first six months
Early withdrawal (IRA account);
closed within first six months
Escheat account fee $100.00
Legal process fee
(per item)
Levies & Liens $100.00
Money order $2.00
Non-sufficient funds
(sharedraft) each
Non-sufficient funds
(ATM/Visa check card)
Non-sufficient funds
(preauthorized W/D)
Outgoing Wire Domestic $25.00
Outgoing Wire International $75.00
OverDraft Advance Fee $30.00
Photocopy of statement
Returned mail fee
(per month)
Returned Item $25.00
Stop Payment
(all items) each
Temporary drafts five for $1.00
Verification of credit or deposit $5.00
Visa Gift Card $3.00
Western Union Wire
(domestic) wire out only
Money Market account excessive withdrawal fee
(over 3 per month)
Inactivity Fee
(6 months no activity)

*If a member’s account falls below $25.00, and 2 or more statements are returned for incorrect address and no current address is known, the account shall be closed and charged a below minimum account balance fee of $25.00 or current account balance.

**If a member’s account balance falls below $25.00 and there has been no activity in 60 days, the account will be charged an inactivity fee of $25.00 or current account balance.