Membership | Atlantic Federal Credit Union
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Routing #: 221276370

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Say Goodbye to the Big Banks and Go Community!

At The Atlantic Federal Credit Union we have everything a bank offers and more. We've been serving the Union and Essex communities for more than 85 years. Since we are a not-for-profit credit union, we have lower rates on loans, higher rates on savings and less fees. You may also bank with us Online or via Mobile Banking for just about everything, including opening accounts and applying for loans.


We have exceptional customer service that you probably won't find at a bank because we put people before profit. We take the time to provide personal service.

Our mix of products and services will provide you with increased purchasing power and opportunities for better money management. If it's a loan you're looking for, we take the time to make sure it's structured to your needs with payment terms that fit your budget.

Open an Account Now

To get started, open a Savings Account and maintain a $1 balance. Once you open a savings account, you have immediate access to all of our products and services.

Who is Eligible?

  • Our 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 of existing members regardless of where they live including your spouse, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, stepsiblings and adopted children and non-related individuals living in the same household.
  • Not sure if you are eligible? Call us at 908-245-1750.