Become a Member


If you are interested in becoming a BAFCU member, you must meet eligibility requirements. If you are employed by one of our member groups or associations, retired from, or an immediate family member of a current account holder, you are immediately eligible to join.

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.

If you would like to open an account, please visit our office and speak with a Member Service Representative. 

If you have additional questions about necessary documentation for account opening, please call 856-696-2525.


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 person.

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.

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 a friend, family member, or co-worker

to open a new BAFCU account)

$10 or 1,000 UChoose Reward Points

Visit our office to open a new account!

Click here to view our hours.

New Loan

(refer a friend, family member, or co-worker

to apply for a BAFCU loan*)

$20 or 2,000 UChoose Reward Points

Apply for a new loan online or in person!

Click here to apply online.

New Select Employee Group

(refer a local business owner to become one of our

select employee groups** and offer their employees eligibility to join!)


Speak with our business development representative

Debbie Perkins to inquire about becoming a select employer group!

Click here to email now.

Make sure to mention who made the referral so we know who to reward!

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

**Application to become select employee group must be approved by the NCUA before reward is issued. Other restrictions apply.