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24 Month IRA Certificate

2.78% APY*

$1,000 Minimum Deposit

Compounded Monthly

36 Month Share Certificate

2.94% APY*

$1,000 Minimum Deposit

Compounded Monthly

certificate-special-header .jpg

Break the Bank Certificate Special

It's time to break open your piggy banks!

Don't let your savings sit at home or in a low interest account. Help your money grow by taking advantage of the special promotional rates on our new Share and IRA Certificates.

*APY = Annual Percentage Yield

Posted October 2025. Offer valid 10/1/25 through 12/31/25. All credit union loan programs, rates, terms, and conditions are subject to change without notice. $1,000 minimum to open any certificates with a promotional rate. Early withdrawal penalty imposed and will equal 90 days dividends. See office for additional details.

Questions? Call 856-696-2525 or 866-590-8866 toll-free.

Note: As of 10/01/25, we have discontinued the following certificates: 18 Month Share Certificate, 30 Month Share Certificate, 18 Month IRA Certificate, 30 Month IRA Certificate.
If you currently have any of the aforementioned certificates, they will still mature to the full term. You also have the option to take advantage of this promotion and transfer your funds to one of the new certificates. The early withdrawal penalty will be waived for these members. Please speak with a member service representative for additional details.

24 Month Share Certificate

2.53% APY*

$1,000 Minimum Deposit

Compounded Monthly

36 Month Share Certificate

2.68% APY*

$1,000 Minimum Deposit

Compounded Monthly

You don't want to miss out on this special! Visit the main office from October 1st through December 31st to open a certificate and take advantage of these limited time rates.

SHARED BRANCH LOCATOR  |   DIRECT DEPOSIT FORM   |   MONEYPASS ATM LOCATOR   |   CONTACT US   |   CHECK REORDER   |    SITE MAP   |    ROUTING NUMBER 231278821 
NMLS # 663312   |   APR = ANNUAL PERCENTAGE RATE   |   APY = ANNUAL PERCENTAGE YIELD   |   ROUTING NUMBER 231278821 
LOCATION

101 West Elmer Road

Vineland, NJ 08360

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CONTACT

Phone: 856-696-2525

Toll Free: 877-590-8866

Fax: 856-691-5593

Email: info@bayatlanticfcu.org

OFFICE HOURS

Mon - Wed: 9am - 5pm

Thu - Fri: 9am - 6pm

Sat: 9am - 12pm

Sun: Closed

DRIVE-THRU HOURS

Mon - Wed: 8am - 5:30pm

Thu - Fri: 8am - 6pm

Sat: 9am - 12pm

Sun: Closed

Bay Atlantic Federal Credit Union is committed to providing a website that is accessible to the widest possible audience in accordance with the WCAG 2.0 standards and guidelines. We are actively working to increase accessibility and usability of our website to everyone. If you are using a screen reader or other assistive technology and are encountering problems using this website, please call us toll free at 877-590-8866. All products and services available on this website are available at Bay Atlantic Federal Credit Union's location.

Federally Insured by the NCUA
Equal Housing Lender logo

Federally Insured by NCUA. Equal Housing Lender.

© 2025 by Bay Atlantic Federal Credit Union. All rights reserved.

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