Atlantic Federal Credit Union

Overview / Commentary
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 413th largest credit union in the nation. It was established in 1941 and as of December of 2021, it had grown to 197 employees and 47,666 members at 10 locations. Atlantic Federal Credit Union has 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 the Maine counties of Androscoggin, Cumberland, Sagadahoc and York.
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Health Grade Components

NCUA #4281
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD9.06%
Annual Interest Income$31.7MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$987.8MM$864.7MM
LoansQ4 2021vs Q4 2020$648.8MM$595.2MM
DepositsQ4 2021vs Q4 2020$883.5MM$758.7MM
Equity CapitalQ4 2021vs Q4 2020$97.6MM$93.6MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.0MM$4.2MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$1.8MM$2.2MM
Real Estate OwnedQ4 2021vs Q4 2020$0$0
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Always verify rates and promotions with the bank or credit union. We are not Atlantic Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.75%-$250kKasasa Saver
0.40%*$100k*-IRA Share
OTHER TIERS: 0.05% Up to $5k | 0.20% $5k - $10k | 0.25% $10k - $50k | 0.35% $50k - $100k
0.25%*$5k*-Health Savings Account (HSA)
OTHER TIERS: 0.05% Up to $1k | 0.20% $1k - $5k
0.05%$25-Member Savings
0.05%--Rainy Day Club
0.05%--Vacation Club
0.05%--Holiday Club

Atlantic Federal Credit Union Money Market Rates

0.45%*$500k*-WAVE Money Market Checking
OTHER TIERS: 0.10% $2.5k - $5k | 0.15% $5k - $10k | 0.20% $10k - $50k | 0.25% $50k - $100k | 0.30% $100k - $500k | 0.35% $250k - $500k
0.10%$1k$5kWAVE Money Market Savings

Atlantic Federal Credit Union Checking Account Rates

1.50%*-$10kKasasa Cash
OTHER TIERS: 0.25% $10k+

Atlantic Federal Credit Union CD Rates

0.60%$500-5 Year Step-Up Share Certificate
0.55%$500-4 Year Share Certificate
0.45%$500-2 Year Share Certificate
0.45%$500-3 Year Share Certificate
0.45%$500-30 Month Share Certificate
0.40%$500-18 Month Rippling Waves Share Certificate
0.35%$500-12 Month Share Certificate
0.20%$500-6 Month Share Certificate
0.10%$100-3 Month Share Certificate

Atlantic Federal Credit Union IRA Rates

0.60%$500-5 Year Step-Up IRA Certificate
0.55%$500-4 Year IRA Certificate
0.45%$500-2 Year IRA Certificate
0.45%$500-3 Year IRA Certificate
0.45%$500-30 Month IRA Certificate
0.40%$500-18 Month Rippling Waves IRA
0.35%$500-12 Month IRA Certificate
0.20%$500-6 Month IRA Certificate

Cities: Biddeford, Brunswick, Cumberland, Freeport, Saco, Sanford, South Portland, Topsham, York

Biddeford Branches
Branch Office75 Boulder WayBiddeford, ME 04005

Brunswick Branches
Branch Office55 Cushing STBrunswick, ME 04011

Cumberland Branches
Branch Office327 Main STCumberland, ME 04021

Freeport Branches
Branch Office41 Mallett DrFreeport, ME 04032

Saco Branches
Branch Office477 Main StSaco, ME 04072

Sanford Branches
Branch Office870 Main StSanford, ME 04073
Branch Office1516 Main StSanford, ME 04073

South Portland Branches
Corporate Office600 Sable Oaks Dr Ste 100South Portland, ME 04106-3292

Topsham Branches
Branch Office3 Union Park RDTopsham, ME 04086

York Branches
Branch Office387 US Route 1York, ME 03909

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