Welcome to a different kind of banking—where you’re more than just a customer; you're a member and an owner. At First Atlantic, we’re a not-for-profit financial institution, meaning our focus is on people, not profits. Here, every decision we make is centered around what’s best for you and our community.
Why Choose a Credit Union?
Unlike traditional banks, which focus on maximizing shareholder profits, our credit union returns earnings directly to our members in the form of:
- Lower Fees – Say goodbye to unnecessary charges and hello to keeping more of your money.
- Higher Returns – We offer competitive rates on savings, giving you more value for your hard-earned deposits.
- Affordable Loans – With accessible credit options at attractive rates, we’re here to help you reach your financial goals.
- Community Impact – Your membership helps fuel local projects, support small businesses, and empower our community to thrive.
Shared Benefits with Key Differences
Both credit unions and banks offer digital banking, expert financial guidance, and federal insurance up to $250,000. However, as a member-owned credit union, we prioritize your financial well-being and community investment over stockholder profits.
CREDIT UNION | BANK |
|---|---|
You're a member-owner | You're a customer |
Not-For-Profit | For-Profit |
Profits are returned to members | Stockholders benefit from profits |
Low or no fees | Higher fees |
Competitive interest rates | Less favorable interest rates |
You're not just a customer. You're a Member.
We're not just a bank. We're a Credit Union.
If you live, work, worship, or attend school in Monmouth, Ocean, or Middlesex County, NJ—or if you’re an immediate family member of a current member—you’re welcome to join our financial family! Discover the many benefits of a First Atlantic Federal Credit Union membership today.
- Trustworthy: We work with you to get you what you need
- Lower Fees: We reinvest your earnings so you pay no to low fees
- Better Rates: On average, we offer better rates on loans, credit cards, and savings accounts
- Free Checking: No minimum balance or service charges
- Youth Accounts: Designed to teach financial responsibility
- Free ATMs: Access to over 30,000 ATMs nationwide
- and so much more!
Experience the credit union difference today—join us and be part of a financial institution that truly values you.