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Become a Member

Who can join?

You can qualify for credit union membership by meeting one of the following eligibility requirements:

  • You are employed by or retired from one of our member groups or associations

  • You are an immediate family member of a current account holder

  • You are a supporter of one of our community partners: Big Brothers Big Sisters of Cumberland and Salem Counties and CU Maurice River.

How do I open an account?

All Bay Atlantic Federal Credit Union account must be opened in person at our Main Office. Every member must open a Share Savings account with a minimum deposit of $25. Upon account opening, members immediately have access to BAFCU services, loan products, and member benefits. Once you become a member of the credit union, you can remain a member for life, even if you change jobs, retire, or move out of the area!

USA Patriot Act Statement

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that on personal accounts identifies each person who opens an account. In addition, on legal entity accounts, we will require identification on beneficial owners and controlling persons.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.


If you have any questions about membership or identification requirements necessary for account opening, please speak with a Member Service Representative by calling 856-696-2525 or toll-free 877-590-8866.

Member Referral Rewards

We believe we’re better together at Bay Atlantic FCU! That’s why you can earn rewards when someone you refer opens a new account, gets a new loan, or signs their business up as a select employee group. Whether it’s a family member, friend, or co-worker-- we hope you’ll share the joy of membership!

New Member Account

Refer an individual to join BAFCU and receive $10 or 1,000 uChoose Reward Points when they open a Share Savings account with a minimum deposit of $25.

New Loan

Refer an individual to apply for a BAFCU loan of at least $5,000* and receive $20 or 2,000 uChoose Reward Points when their application is approved and the loan is closed. 

New Select Employee Group

Refer a local business owner to become one of our select employee groups** and receive $50 when their application is approved by the NCUA. 

Additional requirements and restrictions may apply. Be sure the person you refer gives us your name so reward may be issued!

Questions? Call 856-696-2525 (toll-free 877-590-8866) for more information.

*Loan applications must be approved and closed before reward is issued. Minimum loan value is $5,000. Other restrictions apply.

**Applications to become Select Employee Group must be approved by the NCUA before award is issued. Other restrictions apply.

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