Happy Halloween! It's all treats (and no tricks) at The Atlantic. Check out your latest Membership benefits below.

Competitive Rates and No Hassle

Shopping for your next home? The Atlantic is here for you.


  • We offer our qualified Members mortgages with competitive rates.1
  • We always keep your costs to a minimum to help you afford your new home.
  • Easy, online application process that will get you into your new home quickly.
  • Local, community-focused financial cooperative with a variety of mortgage options.

Get Your Pay Early!

Now, get paid up to 2 days early! Enjoy early access to your paycheck—no fees, no enrollment, just more flexibility on your terms.3

The Atlantic Awards $50,000

We recently had the privilege of facilitating $50,000 in grant funding across nine local nonprofit organizations through the Federal Home Loan Bank of New York Small Business Recovery Grant Program.

The Atlantic Visa® Signature Card


  • Unlimited 2% Cash Back2 on every purchase, across all categories
  • Digital wallet compatibility for fast, secure transactions
  • In-app controls to toggle your card on and off, as well as set spending limits and merchant preferences
  • No Annual Fee


See all of our various card offerings that allow you to flex the purchasing power of Visa® along with collecting some great perks. 

Debit Card and Money App

Greenlight is complimentary for The Atlantic families.4

  • Debit card and money app: Send money instantly and set flexible controls.
  • Chores and allowance: Assign chores and automate allowance to streamline household tasks.
  • Savings goals: Set savings goals for what they really want—and reach them together.
  • Financial literacy game: Kids can play Greenlight Level Up™, the game that makes money concepts easy to understand and fun to learn.

Keep You and Your Loved Ones Safe

Scam artists frequently target people aged 65 and older. However, by taking a few simple precautions, you can stop scammers in their tracks and keep your money and information safe.

Scams to Watch Out For


  • Government impersonation scams: Fraudsters pretend to be from the SSA or IRS to trick their victims into sending money or gift cards, threatening jail or lawsuits, or stopping Social Security checks.


Note: Check the contact information of the sender to ensure it is publicly accurate and legitimate before supplying any personal data.


  • Grandparent scams: Con artists pose as family members or officials, urgently needing money for the intended victims’ grandchildren. These scams request funds via hard-to-trace methods such as wire transfers.


Take Precautions: If asked for money by a family member, hang up and verify with another family member or source. Then contact local law enforcement if you suspect it is a scam.


  • Counterfeit prescriptions scams: Scammers use promises of discounted miracle drugs to lure seniors, but the medication often never arrives.


Stay Alert: When buying prescriptions online, ensure the website is approved by your doctor and the National Association of Boards of Pharmacy.

Credit Union Kindness

CU Kind is an annual initiative celebrating the credit union mission of "People Helping People" during the month of October. To reinforce kindness and commitment to community, some of our staff recently visited The Salvation Army in Elizabeth to prepare and serve hot meals to individuals in need.

The Gateway Family YMCA

As the Gateway YMCA is getting ready for its annual tricky tray fundraising event, several staff members from The Atlantic had the privilege of helping to set up for this great cause. The team assisted with making gift baskets and sorting raffle items. Congratulations to the team at the Gateway Y for a sold-out event!

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


Veterans Day: Nov. 11th


Thanksgiving Day: Nov. 27th

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 am - 5 pm

Sat.: 9 am - Noon


West Orange Branch:

Essex Green Center

455 Prospect Avenue

West Orange, NJ 07052

Mon. - Fri.: 9 am - 5 pm

Sat.: 9 am - Noon


Contact Center:

908.245.1750

TheAtlanticFCU.com

Mon. - Fri.: 8 am - 5 pm

Sat.: 9 am - 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.

1Note that private mortgage insurance (PMI) may be required for down payments less than 20% of the home's value.

2Visa® Signature Card and Low-Rate Card are subject to credit approval. Rates are based on creditworthiness.

3Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account.

4The 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.

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