The Atlantic Federal Credit Union
Headquarters
P.o. Box 618
Kenilworth, NJ 07033
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2024 Overview
General Credit Union Information
The Atlantic is an NCUA insured institution located in Kenilworth, NJ. It was founded in 1935 and has approximately $246.39 millions in assets.
Who can join?
Field of membership includes:
Anyone who lives, works, worships, attends school or regularly does business in Union or Essex County, NJ.
Any business or legal entity in Union or Essex County, NJ.
Immediate family members are also eligible to open accounts and use all services, regardless of where they live or work.
Immediate Family:
Your spouse, children, siblings, parents, grandparents, grandchildren, step-children, step-parents, step-siblings and adopted children, as well as anyone living in your household
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 477 |
| Date Established | 1935 |
| Assets | $246.39 million |
| Loans | $194.46 million |
| Deposits | $212.91 million |
| Capital | $34.07 million |
Field of Membership Restrictions
Our field of membership includes anyone who lives, works, worships, attends school or regularly does business in Union or Essex County, NJ and immediate family of existing members.
Deposit Rates - November 12, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.45% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.45% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.45% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.85% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.85% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.95% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.95% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.05% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.05% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
Loan Rates - November 12, 2024
Your Current Location: Ohio, OH 43085
There are currently no loan rates available for The Atlantic
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 2578474 |
6.494% | 6.375% | 0.88 | $4,010 | $1,997 | Learn More |
NMLS ID: 401822 |
6.668% | 6.500% | 0.75 | $5,600 | $2,023 | Learn More |
NMLS ID: 1025894 |
6.981% | 6.875% | 0.88 | $3,442 | $2,103 | Learn More |
NMLS ID: 1907 |
7.068% | 7.000% | 0.75 | $2,202 | $2,129 | Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 7.490 % After Intro: 7.490 % |
$0 |
Learn More
More Info |
Achieve Loans See Table |
Intro APR 9.250 % After Intro: 9.250 % |
$0 |
Learn More
More Info |
Note to The Atlantic
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are The Atlantic branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Columbus,Ohio
The Atlantic Locations around zip code 43085
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 464.57 | A | View Lobby Hours | |
| 468.09 | B | View Lobby Hours | |
| 471.10 | C | View Lobby Hours |
Climate Policy and Initiatives
THE ATLANTIC is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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Financial Details
The Atlantic Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of The Atlantic. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| The Atlantic | U.S. Average |
|---|---|
| 5.26% | 5.83 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2024, The Atlantic had $1,473,466 in non-current loans and $382,500 in owned assets. To cover these potential losses it had $34,072,390 in net worth and $1,230,087 in loans loss reserves. That gives it a Texas Ratio of 5.26%.
Net Worth
| The Atlantic | U.S. Average |
|---|---|
| 13.8% | 13.93% |
The Atlantic FCU has a net worth of 13.8% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for The Atlantic
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