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Atlantic Federal Credit Union

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Overview / Commentary

www.atlanticfcu.com

207-725-8728

55 Cushing ST
Brunswick, ME 04011

Atlantic Federal Credit Union is headquartered in Brunswick and is the largest credit union in the state of Maine. It is also the 422^nd largest credit union in the nation. It was established in 1941 and as of September of 2019, it had grown to 193 employees and 47,104 members at 9 locations. Atlantic Federal Credit Union's money market rates are 4X the national average, and it boasts an A+ 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 counties of Cumberland and Sagadahoc in Maine.
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Related Posts

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2016

4/12 - Atlantic Regional FCU (ME) Has Very Competitive 2-Month CD Special

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Health

A+

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #	4281
Year Chartered	1941
Employees	193
Primary Regulator

Profit Margin
Return on Assets - YTD	0.58%
Return on Equity - YTD	4.88%
Annual Interest Income	$20.6MM

Assets and Liabilities
Assets	Q3 2019vs Q3 2018	$739.7MM$381.5MM
Loans	Q3 2019vs Q3 2018	$577.3MM$320.4MM
Deposits	Q3 2019vs Q3 2018	$607.9MM$308.5MM
Equity Capital	Q3 2019vs Q3 2018	$86.8MM$49.0MM
Loan Loss Allowance	Q3 2019vs Q3 2018	$4.6MM$2.2MM
Unbacked Noncurrent Loans	Q3 2019vs Q3 2018	$3.3MM$1.2MM
Real Estate Owned	Q3 2019vs Q3 2018	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	-	$250k	Kasasa Saver
0.80%^*	$100k^*	-	IRA Share
OTHER TIERS: 0.25% → Up to $5k \| 0.35% → $5k - $10k \| 0.45% → $10k - $50k \| 0.60% → $50k - $100k
0.55%^*	$5k^*	-	Health Savings Account (HSA)
OTHER TIERS: 0.20% → Up to $1k \| 0.35% → $1k - $5k
0.10%	$25	-	Member Savings
0.10%	-	-	Rainy Day Club
0.10%	-	-	Vacation Club
0.10%	-	-	Holiday Club

Atlantic Federal Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.90%^*	$500k^*	-	WAVE Money Market Checking
OTHER TIERS: 0.25% → $2.5k - $5k \| 0.35% → $5k - $10k \| 0.50% → $10k - $50k \| 0.75% → $50k - $100k \| 0.90% → $100k - $500k \| 1.40% → $250k - $500k
0.25%	$1k	$5k	WAVE Money Market Savings

Atlantic Federal Credit Union Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.00%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.50% → $10k+

Atlantic Federal Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.90%	$500	-	5 Year Step-Up Share Certificate
1.80%	$500	-	12 Month Share Certificate
1.80%	$500	-	4 Year Share Certificate
1.75%	$500	-	18 Month Rippling Waves Share Certificate
1.75%	$500	-	3 Year Share Certificate
1.70%	$500	-	2 Year Share Certificate
1.60%	$500	-	30 Month Share Certificate
1.45%	$500	-	6 Month Share Certificate
0.85%	$100	-	3 Month Share Certificate

Atlantic Federal Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.90%	$500	-	5 Year Step-Up IRA Certificate
1.80%	$500	-	12 Month IRA Certificate
1.80%	$500	-	4 Year IRA Certificate
1.75%	$500	-	18 Month Rippling Waves IRA
1.75%	$500	-	3 Year IRA Certificate
1.70%	$500	-	2 Year IRA Certificate
1.60%	$500	-	30 Month IRA Certificate
1.45%	$500	-	6 Month IRA Certificate

Locations

Atlantic Federal Credit Union Locations
Branch Office	327 Main ST	Cumberland, ME 04021
Branch Office	41 Mallett Dr	Freeport, ME 04032
Branch Office	55 Cushing ST	Brunswick, ME 04011
Branch Office	3 Union Park RD	Topsham, ME 04086
Branch Office	477 Main St	Saco, ME 04072
Branch Office	387 US Route 1	York, ME 03909
Branch Office	870 Main St	Sanford, ME 04073
Branch Office	75 Boulder Way	Biddeford, ME 04005
Branch Office	1516 Main St	Sanford, ME 04073

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