The Atlantic Federal Credit Union

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In order to get started, select an account that works for you.

Ultra Checking
A payment account that pays dividends.
  • Earn up to 4.00% annual percentage yield and up to $500 in cash back on debit card purchases every year
  • Get paid up to 2 days early with Early Pay
  • Surcharge-free access to more than 40,000 ATMs nationwide in the MoneyPass network, and up to $20 per month in reimbursement of surcharge fees at ATMs outside of The Atlantic's network
  • Minimum deposit of $1,000 to open
  • Monthly fee of $15 that’s waived by maintaining a minimum balance of $1,000 or having a direct deposit of at least $750 into the account during the statement cycle
Smart Checking
A convenient and rewarding option for everyday transactions.
  • Up to $500 in cash back on debit card purchases every year
  • Get paid up to 2 days early with Early Pay
  • Surcharge-free access to more than 40,000 ATMs nationwide in the MoneyPass network
  • Minimum deposit of $100 to open
  • Monthly fee of $5 that's waived by maintaining a minimum balance of $100 or receiving a direct deposit of at least $500 into the account during the statement cycle
Kickstart Savings
A great rate on balances up to $10,000.
  • Federally insured by NCUA
  • Minimum deposit of $100 to open
  • Monthly fee of $10 that’s waived by maintaining a minimum balance of $100
Ultra Savings
A high-yield savings account offering one of the most competitive rates in the nation.
  • Federally insured by NCUA
  • Minimum deposit of $100,000 to open
  • Monthly fee of $100 that’s waived by maintaining a minimum balance of $100,000
Smart Savings
Earn more as your savings grow.
  • Federally insured by NCUA
  • Minimum deposit of $100 to open
  • Monthly fee of $10 that’s waived by maintaining a minimum balance of $100
Share Certificate
Guaranteed growth.
  • Federally insured by NCUA
  • Terms from 3 months to 5 years
  • Minimum deposit of $500 to open
3 Month Term - APY: 3.00%
Ultra Share Certificate
A jumbo certificate offering even greater rates.
  • Federally insured by NCUA
  • Terms from 3 months to 25 months
  • Minimum deposit of $100,000 to open
Ultra 3 Month Term - APY: 4.00%
Signature Loan
A personal loan that can be used for almost anything.
  • Terms up to 5 years
  • No collateral required
  • Subject to credit approval
Auto Loan
Save at every turn.
  • Pre-approval valid for 45 days to give you time to find the right deal
  • Refinancing available
  • Terms up to 7 years
  • Subject to credit approval
New Auto Loan
Home Equity Line of Credit
Leverage the equity in your home exactly when you need it.
  • Limited-time introductory rate of 3.99% annual percentage rate for the first 6 months, followed by a variable rate as low as 6.25% annual percentage rate after the introductory period (see full terms for qualification details)
  • Make upgrades to your home, consolidate debt, or cover unexpected expenses
  • Convenient access to funds in Online Banking and the Mobile App
  • Subject to credit approval
Visa Credit Cards
Options to best meet your needs.
  • The Visa Signature Card offers unlimited 2% cash back and no annual fee
  • The Visa Low-Rate offers a great rate and no annual fee
  • The Visa Secured Card can help build your credit and has a low annual fee of $25
  • Visa Signature and Visa Low-Rate Cards are subject to credit approval
Visa Signature Card
Overdraft Checking Line
Peace of mind when spending.
  • Competitive rates
  • Easy access to write yourself a loan any time when you link to your Atlantic checking account
  • Convenient management in Online Banking and the Mobile App
  • Subject to credit approval
Motorcycle Loan
Leave high rates in the dust.
  • Great rates to get you on the road affordably
  • Pre-approval valid for 45 days to give you time to find the right deal
  • Terms up to 5 years
  • Subject to credit approval
Specialty Vehicle Loan
A great rate to fuel your adventures.
  • Great rates to get you behind the wheel affordably
  • Pre-approval valid for 45 days to give you time to find the right deal
  • Terms up to 7 years
  • Subject to credit approval
Share Secured Loan
Borrow against your existing Share Account balance.
  • No credit check
  • Competitive rate at 3.00% above the Share dividend rate
  • Continue to earn dividends on the Share Account balance
Certificate Secured Loan
Borrow against your existing Share Certificate.
  • No credit check
  • Competitive rate at 3.00% above the Share Certificate dividend rate
  • Continue to earn dividends on the Share Certificate