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Fees could reduce account earnings.

IRA Accounts

Start planning for your retirement today by opening an IRA account at your Credit Union. With outstanding rates and funds that grow tax deferred year after year, an IRA account is an important part of your long-term savings portfolio.

  • Traditional IRA offers tax-deferred earnings and the possibility of tax deductible contributions.

  • Roth IRA is funded by non-deductible contributions but gives owners the opportunity for tax-free withdrawals.

  • Coverdell IRAs enable parents and others to deposit $2,000 per year to be used for educational purposes. Earnings grow tax-free if you meet the income requirements.

If you would like to open an IRA account, you must be a Bay Atlantic FCU member with an current share savings account. Credit union members can open an IRA account in person at any time. Please visit the main office to speak with a member service representative.

 

Questions? Call 856-696-2525 or toll-free 877-590-8866 and speak with a member service representative for more information.

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
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Federally Insured by NCUA. Equal Housing Lender.

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

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