Atlantic Federal Credit Union

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CURRENT TOP RATE

Kasasa Cash - Premier Rewards Rate

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 398^th 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.
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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

B+

Data as of Q4 2023

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Health Grade Components

Overall
NCUA #	4281
Year Chartered	1941
Employees	189
Primary Regulator

Profit Margin
Return on Assets - YTD	0.53%
Return on Equity - YTD	6.64%
Annual Interest Income	$45.3MM

Assets and Liabilities
Assets	Q4 2023vs Q4 2022	$1.14B$1.05B
Loans	Q4 2023vs Q4 2022	$770.8MM$755.5MM
Deposits	Q4 2023vs Q4 2022	$923.6MM$894.2MM
Equity Capital	Q4 2023vs Q4 2022	$91.2MM$82.1MM
Loan Loss Allowance	Q4 2023vs Q4 2022	$7.1MM$6.7MM
Unbacked Noncurrent Loans	Q4 2023vs Q4 2022	$4.2MM$2.8MM
Real Estate Owned	Q4 2023vs Q4 2022	$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
4.00%	-	$1m	Kasasa 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
5.00%^*	-	$15k	Kasasa Cash - Premier Rewards Rate
OTHER TIERS: 0.25% → $15k+
3.00%^*	-	$15k	Kasasa 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

Locations

Availability

Portland Area

Portland Area bank & credit union details

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