The Atlantic is celebrating 90 years of service to our Members! Read about our history and commitment to community in this edition. Plus, we have some important tips for you as we wrap up National Internet Safety month, as well as Member perks and rates to help you save.

Celebrating Our Members

We are celebrating 90 Years of community, connection and financial empowerment.

Ninety years ago, The Atlantic Federal Credit Union was founded by a group of AT&T Western Electric employees in Kearny, New Jersey. What started as a small, community-rooted credit union has grown into a trusted financial partner for generations of families, neighbors and local businesses. Our mission is quite simple: meeting the financial goals and objectives of our Members and the communities we serve today and tomorrow. We are proud to make a difference in the lives of our Members who live and work in Essex and Union counties.

Thank you for helping our financial cooperative thrive!

Purchase or Refinance

Whether you’re buying a new home, refinancing, or leveraging the equity in your home, we can help.

Leave High Rates in the Dust

Drive off in style with an auto loan from The Atlantic Federal Credit Union! Rates are currently as low as 5.29% APR.¹

Need Help Finding the Right Vehicle?

Costco Auto Program works with a specially trained dealer network and Authorized Dealer Contacts who provide a professional, courteous auto-buying experience.

With prearranged pricing on new and pre-owned vehicles, be sure to find the right, affordable car for you.

The Atlantic Federal Credit Union is proudly partnered with 

With the Greenlight debit card and app, kids earn money through chores, set savings goals and learn to spend wisely. Parents and guardians can set flexible controls and get real-time notifications every time their kids spend money.

Set Up an Account Now: Members of The Atlantic who register for Greenlight and add their checking account information from The Atlantic as a funding source will receive Greenlight at no cost. Parents can add up to five kids, each with their own individual debit card.²

40,000 ATMs Nationwide

Traveling this summer? Members can use The Atlantic debit and ATM cards at MoneyPass ATMs across the nation without incurring a surcharge fee.

Support Good360 This Summer

Pay it forward when you manage your finances online or through your mobile banking app. We're donating $1 - up to $10,000 in total - to Good360 every time you make a qualifying transaction.³ You'll never feel better about well-managed finances that help give back to others. This program runs through July.

Good360’s mission is to close the need gap. As the global leader in product philanthropy and purposeful giving, Good360 partners with some of the world’s largest corporations to source essential goods and distribute them through their network of diverse nonprofits, supporting people in need to open opportunities for all.

National Internet Safety Month

Keeping your personal and financial information safe is our priority. In honor of National Internet Safety Month, we've compiled tips to keep you safe in partnership with GreenPath Financial Wellness.

One growing scam to be aware of is phone spoofing. Remember that The Atlantic will never call, text or email you to request personal or account information, including one-time verification codes. If you have a question about a communication you have received, please contact us directly at 908-245-1750.

Bianca F.L.O.W.E.R.S., Inc.

Volunteers from The Atlantic packed and distributed grocery bags this month in support of Bianca F.L.O.W.E.R.S., Inc. This 501(c)(3) organization serves the community in various capacities by means of food, clothing, spiritual mentoring and veteran support. We extend our gratitude to Biance F.L.O.W.E.R.S., Inc. for providing services for 600 to 800 individuals monthly.

Account Activity Reminder

We care about your financial success and hope you are taking advantage of the services available to you as a Member of The Atlantic Federal Credit Union.

Please be sure to complete at least one transaction per year on your accounts to keep your accounts active and avoid a dormancy fee. Based on our current fee schedule, a $3 Dormant Account Fee is charged after 12 months of inactivity.

For your convenience, many types of transactions can be completed via Online Banking, Mobile Banking, and through the MoneyPass network of over 40,000 surcharge-free ATMs nationwide. If you have any questions, please do not hesitate to contact us at 908.245.1750 or stop by a branch.

Upcoming Closings

Independence Day: July 4th & July 5th (Contact Center remains open July 5th)

Locations & Hours

Phone: 908.245.1750

Website: TheAtlanticFCU.com

Email: info@atlfedcu.com

Union Branch:

Magie Hill Center

1331 Magie Avenue

Union, NJ 07083

Mon. - Fri.: 9 A.M. - 5 P.M.

Sat.: 9 A.M. - Noon

West Orange Branch:

Essex Green Center

455 Prospect Avenue

West Orange, NJ 07052

Mon. - Fri.: 9 A.M. - 5 P.M.

Sat.: 9 A.M. - Noon

Contact Center:

908.245.1750

TheAtlanticFCU.com

Mon. - Fri.: 8 A.M. - 5 P.M.

Sat.: 9 A.M. - Noon

Virtual Assistant, Thea:

Available 24/7 by phone

and via chat on the website

Our Mission Statement

Meeting the financial goals and objectives of our Members

and the communities we serve today and tomorrow.

¹Rates are subject to change. Rates and percentage financing shown offered to Members meeting select credit criteria. Other rates and terms available based on creditworthiness. Rates are subject to change without notice. Payment example: A $15,000 loan at 5.59% APR with a term of 4 years would result in 48 monthly payments of $349.46. Minimum loan amounts will vary by term. Member is responsible for any fees associated with transferring of title.

²The Atlantic Federal Credit Union Members are eligible for the Greenlight SELECT plan at no cost when they connect their The Atlantic Federal Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, Members will be responsible for associated monthly fees. See terms for details. Offer ends 07/03/2026. Offer subject to change and partner participation.

The Greenlight^® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.



³Between 06/18/2025 and 07/31/2025, $1 will be donated to Good360 each time a consumer performs one of the qualifying transactions. Maximum donation is $10,000 total for all campaign participants throughout 2025. Your The Atlantic Federal Credit Union account must be in good standing. Business accounts are excluded. Employees of Fiserv, Inc. and of The Atlantic Federal Credit Union and their respective parent and affiliate companies, as well as board members and the immediate family (spouse, parents, siblings and children) and household members of each such employee are not eligible. Rules are subject to change without notice.

Data charges may apply. Check with your mobile phone carrier for details. App Store is a service mark of Apple Inc. Apple and the Apple logo are trademarks of Apple Inc, registered in the U.S. and other countries. Android, Google Play and the Google Play logo are trademarks of Google Inc.

Copyright © 2025 The Atlantic Federal Credit Union. All rights reserved. TransferNow is a registered trademark of Fiserv, Inc. or its affiliates. Terms and conditions apply. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. THIS PROMOTION IS IN NO WAY SPONSORED, ENDORSED, ADMINISTERED BY OR ASSOCIATED WITH EARLY WARNING SERVICES, LLC OR ZELLE®.

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Federally insured by NCUA. Equal Housing Lender. NMLS# 440431.