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 398th largest credit union in the nation. It was established in 1941 and as of December of 2023, it had grown to 189 employees and 48,786 members at 11 locations. Atlantic Federal Credit Union's money market rates are 9X 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


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Health Grade Components

NCUA #4281
Year Chartered1941
Primary Regulator
Profit Margin
Return on Assets - YTD0.53%
Return on Equity - YTD6.64%
Annual Interest Income$45.3MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.14B$1.05B
LoansQ4 2023vs Q4 2022$770.8MM$755.5MM
DepositsQ4 2023vs Q4 2022$923.6MM$894.2MM
Equity CapitalQ4 2023vs Q4 2022$91.2MM$82.1MM
Loan Loss AllowanceQ4 2023vs Q4 2022$7.1MM$6.7MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$4.2MM$2.8MM
Real Estate OwnedQ4 2023vs Q4 2022$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

4.00%-$1mKasasa Saver
0.50%*$100k*-IRA Share
OTHER TIERS: 0.05% Up to $5k | 0.25% $5k - $10k | 0.30% $10k - $50k | 0.40% $50k - $100k
0.30%*$5k*-Health Savings Account (HSA)
OTHER TIERS: 0.05% Up to $1k | 0.25% $1k - $5k
0.05%$25-Member Savings
0.05%--Vacation Club
0.05%--Holiday Club
0.05%$25-Business Savings
0.05%--All Purpose Club

Atlantic Federal Credit Union Money Market Rates

4.00%*$250k*-WAVE Money Market Checking
OTHER TIERS: 0.50% $2.5k - $5k | 1.00% $5k - $10k | 1.50% $10k - $50k | 2.00% $50k - $100k | 2.50% $100k - $250k
4.00%*$250k*-WAVE Money Market Savings
OTHER TIERS: 0.50% $1k - $5k | 1.00% $5k - $10k | 1.50% $10k - $50k | 2.00% $50k - $100k | 2.50% $100k - $250k
4.00%*$250k*- Business WAVE Money Market Checking
OTHER TIERS: 0.50% $2.5k - $5k | 1.00% $5k - $10k | 1.50% $10k - $50k | 2.00% $50k - $100k | 2.50% $100k - $250k
4.00%*$250k*-Business WAVE Money Market Savings
OTHER TIERS: 0.50% $1k - $5k | 1.00% $5k - $10k | 1.50% $10k - $50k | 2.00% $50k - $100k | 2.50% $100k - $250k

Atlantic Federal Credit Union Checking Account Rates

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

Atlantic Federal Credit Union CD Rates

4.00%$500-6 Month Share Certificate
3.50%$500-4 Year Share Certificate
3.50%$500-5 Year Step-Up Share Certificate
3.40%$500-3 Year Share Certificate
3.30%$500-30 Month Share Certificate
3.20%$500-18 Month Rippling Waves Share Certificate
3.20%$500-2 Year Share Certificate
3.00%$500-12 Month Share Certificate
2.00%$100-3 Month Share Certificate

Atlantic Federal Credit Union IRA Rates

4.35%$500-12 Month IRA Certificate
4.00%$500-6 Month IRA Certificate
3.50%$500-5 Year Step-Up IRA Certificate
3.40%$500-4 Year IRA Certificate
3.30%$500-3 Year IRA Certificate
3.20%$500-2 Year IRA Certificate
3.20%$500-30 Month IRA Certificate
3.00%$500-18 Month Rippling Waves IRA


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