Atlantic Federal Credit Union


Overview / Commentary
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 392nd largest credit union in the nation. It was established in 1941 and as of March of 2024, it had grown to 185 employees and 48,848 members at 11 locations. Atlantic Federal Credit Union's money market rates are 9X the national average, and it 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.
See current membership details

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Health

Health Grade Components

Overall
NCUA #4281
Year Chartered1941
Employees185
Primary Regulator
Profit Margin
Return on Assets - YTD0.07%
Return on Equity - YTD0.9%
Annual Interest Income$12.5MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$1.17B$1.07B
LoansQ1 2024vs Q1 2023$763MM$755.9MM
DepositsQ1 2024vs Q1 2023$949MM$901.2MM
Equity CapitalQ1 2024vs Q1 2023$90.3MM$85.5MM
Loan Loss AllowanceQ1 2024vs Q1 2023$7.1MM$6.9MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$2.5MM$1.8MM
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$0$1mKasasa Saver
0.50%*$100k*-IRA Share
OTHER TIERS: 0.05% $0 - $5k | 0.25% $5k - $10k | 0.30% $10k - $50k | 0.40% $50k - $100k
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
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

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
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

APYMINMAXACCOUNT NAMEVIEW 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



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