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Atlantic Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.atlanticfcu.com
207-725-8728
55 Cushing ST
Brunswick, ME 04011

Atlantic Federal Credit Union is headquartered in South Portland and is the largest credit union in the state of Maine. It is also the 420th largest credit union in the nation. It was established in 1941 and as of December of 2024, it had grown to 185 employees and 48,829 members at 11 locations. Atlantic Federal Credit Union's money market rates are 8X the national average, and it has a B+ health rating.

Field of Membership Restrictions

Membership in Atlantic Federal Credit Union is open to those who live, work, worship, or attend school in, and businesses and other legal entities, located in the Maine counties of Androscoggin, Cumberland, Sagadahoc, and York.
See current membership details

Reviews

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Health
B+

Data as of Q4 2024

Learn why bank health matters

Health Grade Components

Overall
NCUA #4281
Year Chartered1941
Employees185
Primary Regulator
Profit Margin
Return on Assets - YTD0.26%
Return on Equity - YTD2.96%
Annual Interest Income$48.9MM
Assets and Liabilities
AssetsQ4 2024vs Q4 2023$1.08B$1.14B
LoansQ4 2024vs Q4 2023$741.9MM$770.8MM
DepositsQ4 2024vs Q4 2023$948.7MM$923.6MM
Equity CapitalQ4 2024vs Q4 2023$93.2MM$91.2MM
Loan Loss AllowanceQ4 2024vs Q4 2023$7.1MM$7.1MM
Unbacked Noncurrent LoansQ4 2024vs Q4 2023$4.4MM$4.2MM
Real Estate OwnedQ4 2024vs Q4 2023$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.10%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Get up to a $300 Cash Bonus. FDIC Insured. See site for details.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
4.35%
Our Rating
4.1  / 5
BrioDirect
High-Yield Savings
See Offer
Sponsored Note: You must deposit at least $5,000 to open your account. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
3.80%
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms Apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 5/13/2025
3.60%
Our Rating
4.2  / 5
American Express®
High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
Bonus Amount
up to $300
Our Rating
4.3  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Atlantic Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.25%$0$1mKasasa Saver
0.30%*$5k*-Health Savings Account (HSA)
OTHER TIERS: 0.05% → $0 - $1k | 0.25% → $1k - $5k
0.05%$25-Member Savings
0.05%$0-Vacation Club
0.05%$0-Holiday Club
0.05%$25-Business Savings
0.05%$0-All Purpose Club

Atlantic Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.40%*$750k*$1mWAVE Money Market Checking
OTHER TIERS: 0.50% → $2.5k - $5k | 1.00% → $5k - $10k | 1.50% → $10k - $50k | 2.00% → $50k - $100k | 2.25% → $100k - $250k | 3.00% → $500k - $750k | 3.10% → $250k - $500k | 3.25% → $1m+
3.40%*$1m*-WAVE Money Market Savings
OTHER TIERS: 0.50% → $1k - $5k | 1.00% → $5k - $10k | 1.50% → $10k - $50k | 2.00% → $50k - $100k | 2.25% → $100k - $250k | 3.00% → $250k - $500k | 3.10% → $500k - $750k | 3.25% → $750k - $1m
3.40%*$750k*$1m Business WAVE Money Market Checking
OTHER TIERS: 0.50% → $2.5k - $5k | 1.00% → $5k - $10k | 1.50% → $10k - $50k | 2.00% → $50k - $100k | 2.25% → $100k - $250k | 3.00% → $500k - $750k | 3.10% → $250k - $500k | 3.25% → $1m+
3.40%*$1m*-Business WAVE Money Market Savings
OTHER TIERS: 0.50% → $1k - $5k | 1.00% → $5k - $10k | 1.50% → $10k - $50k | 2.00% → $50k - $100k | 2.25% → $100k - $250k | 3.00% → $250k - $500k | 3.10% → $500k - $750k | 3.25% → $750k - $1m

Atlantic Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$15kKasasa Cash - Premier Rewards Rate
OTHER TIERS: 0.25% → $15k+
3.00%*$0$15kKasasa Cash - Standard Rewards Rate
OTHER TIERS: 0.25% → $15k+
0.50%*$100k*-Premium Business Checking
OTHER TIERS: 0.10% → $0 - $25k | 0.20% → $25k - $50k | 0.30% → $50k - $100k

Atlantic Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$500-12 Month Share Certificate
3.25%$500-6 Month Share Certificate
3.20%$500-18 Month Rippling Waves Share Certificate
3.10%$500-5 Year Step-Up Share Certificate
3.05%$500-4 Year Share Certificate
3.00%$500-2 Year Share Certificate
3.00%$500-3 Year Share Certificate
3.00%$500-30 Month Share Certificate
1.75%$100-3 Month Share Certificate

Atlantic Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$500-12 Month IRA Certificate
3.25%$500-6 Month IRA Certificate
3.20%$500-18 Month Rippling Waves IRA
3.10%$500-5 Year Step-Up IRA Certificate
3.05%$500-4 Year IRA Certificate
3.00%$500-2 Year IRA Certificate
3.00%$500-3 Year IRA Certificate
3.00%$500-30 Month IRA Certificate
0.50%*$100k*-IRA Share
OTHER TIERS: 0.05% → $0 - $5k | 0.25% → $5k - $10k | 0.30% → $10k - $50k | 0.40% → $50k - $100k
Locations

Availability



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