What are the current interest rates at 600 Atlantic Federal Credit Union?

Current rates for 600 Atlantic Federal Credit Union include: 12-Month CD: 3.95%, 24-Month CD: 3.85%, 60-Month CD: 3.55%

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600 Atlantic Federal Credit Union

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600 Atlantic Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, 600 Atlantic Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

600 Atlantic Federal Credit Union's top rates as of October 12, 2026 are 3.95% APY on its 1 year CD, auto loans from 4.75% APR, and credit cards from 9.99% APR, according to rates verified by MonitorBankRates. Other 600 Atlantic Federal Credit Union CD rates include 2 year CD at 3.85%, 3 year CD at 3.75%, and 3 Month CD at 3.60%. MonitorBankRates evaluates the financial stability of 600 Atlantic Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.84%. Rates last updated and verified on 10/12/2026.

600 Atlantic Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at 600 Atlantic Federal Credit Union? Share your experience about 600 Atlantic Federal Credit Union by leaving a review below, or read customer reviews before you decide to use 600 Atlantic Federal Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.84%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

600 Atlantic Federal Credit Union
600 Atlantic Federal C.U.

600 Atlantic Ave
Boston, MA 02210

https://www.600atlanticfcu.org

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

600 Atlantic Federal Credit Union CD Rates

Product	Rate	APY	Term
1 year CD	3.95%	3.95%	1 year
Min Deposit $2,500 Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 3.80% → 3.95% ▲ 0.15 pts · high 3.95% / low 3.80% Oct 4, 20263.95%▲ from 3.80% Sep 14, 20263.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
2 year CD	3.85%	3.85%	2 years
Min Deposit $2,500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.85% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
3 year CD	3.75%	3.75%	3 years
Min Deposit $2,500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.75% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
3 Month CD	-	3.60%	3 month - 5 year
Details Earn Up To Last Updated 10/12/2026 Rate History 3 changes since Sep 14, 2026 · 2.20% → 3.60% ▲ 1.40 pts · high 3.60% / low 2.20% Oct 8, 20263.60%▲ from 2.20% Sep 25, 20262.20%▼ from 3.60% Sep 18, 20263.60%▲ from 2.20% Sep 14, 20262.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
4 year CD	3.55%	3.55%	4 years
Min Deposit $2,500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
5 year CD	3.55%	3.55%	5 years
Min Deposit $2,500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 3.55% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
6 month CD	2.25%	2.25%	6 months
Min Deposit $2,500 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 2.25% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
3 month CD	2.20%	2.20%	3 months
Min Deposit $2,500 Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 2.20% → 2.20% ▼ 0.00 pts · high 3.60% / low 2.20% Sep 25, 20262.20%▼ from 3.60% Sep 18, 20263.60%▲ from 2.20% Sep 14, 20262.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

600 Atlantic Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity HELOC	-	-	8.00%	up to 15 years
Details Term: Repayment period up to 15 years; As Low As; Home Equity Lines of Credit up to $100,000; rate equal to Prime Rate minus .25% (1 year adjustable); up to 80% loan to value Last Updated 10/12/2026 Rate History No change since Oct 12, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

600 Atlantic Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term	View More
Auto Loans	-	-	4.75%
Details As Low As; Model Year: 2024-2026 Last Updated 10/12/2026 Rate History No change since Sep 14, 2026 · 4.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

600 Atlantic Federal Credit Union Credit Card Rates

Product	Rate	APR
Credit Card	-	9.99%
Details Fixed Rate With Direct Debit Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 9.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Visa Credit Card	-	9.99%
Details Fixed Rate With Direct Debit; With direct debit from your 600 Atlantic FCU account Last Updated 10/12/2026 Rate History 1 change since Sep 14, 2026 · 11.90% → 9.99% ▼ 1.91 pts · high 11.90% / low 9.99% Sep 25, 20269.99%▼ from 11.90%* Sep 14, 202611.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%
Visa Credit Card	-	11.90%
Details Fixed low rate; rate can be reduced to 9.99% only via direct debit from 600 Atlantic FCU account; No annual fees; Available credit up to $15,000; Cash advance rate same as purchase rate; Rewards Program through CU Rewards Last Updated 10/12/2026 Rate History 2 changes since Sep 14, 2026 · 11.90% → 11.90% ▼ 0.00 pts · high 11.90% / low 9.99% Oct 8, 202611.90%▲ from 9.99% Sep 25, 20269.99%▼ from 11.90% Sep 14, 202611.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.84%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

600 Atlantic Federal Credit Union’s Texas Ratio rose from 0.04% in Q3 2023 to 2.84% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$39M	2.84%	5.0	A+
March 31, 2026	$39M	3.26%	5.0	A+
December 31, 2025	$39M	3.29%	5.0	A+
September 30, 2025	$40M	5.70%	5.0	A+
June 30, 2025	$41M	5.77%	5.0	A+
March 31, 2025	$41M	3.38%	5.0	A+
December 31, 2024	$40M	3.64%	5.0	A+
September 30, 2024	$41M	3.45%	5.0	A+
June 30, 2024	$40M	3.51%	5.0	A+
March 31, 2024	$41M	0.04%	5.0	A+
December 31, 2023	$41M	0.16%	5.0	A+
September 30, 2023	$41M	0.04%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for 600 Atlantic Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather 600 Atlantic Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with 600 Atlantic Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name 600 Atlantic Federal Credit Union

Website https://www.600atlanticfcu.org

Address 600 Atlantic Ave, Boston, MA 02210

Phone 617-973-3760

Fax 617-973-5925

President Brian Donoghue

CEO Ralph Moore

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.84%

Return on Assets (ROA)

0.3430%

Return on Equity (ROE)

2.5184%

Non-Performing Loans Ratio (NPL)

0.77%

Total Assets

39,110,713

Total Amount of Shares and Deposits

33,703,111

Total Shares and Deposits < 1 Year

31,004,782

Total Shares and Deposits 1 3 Years

1,843,319

Total Shares and Deposits > 3 Years

855,010

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

6,822,421

Total Uninsured Shares and Deposits > $250K (F+J)

6,822,421

Total Insured Shares and Deposits > $250K (item 17 less item K)

26,880,690

Total Interest Expense (Sum of items 6 8)

318,097

Share Certificates

324

Number of Accounts for Share Drafts

585

Number of Accounts for Regular Shares

1,438

All other shares

263

Non Member Deposits

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

3,507,794

Total Liabilities

33,783,463

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

600 Atlantic Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

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       width="160" height="160">
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Learn more about the MBR Health & Safety Badge program on our methodology page.

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Frequently Asked Questions About 600 Atlantic Federal Credit Union

How many branches does 600 Atlantic Federal Credit Union operate?

600 Atlantic Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join 600 Atlantic Federal Credit Union?

Yes, to access services at 600 Atlantic Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, 600 Atlantic Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, 600 Atlantic Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does 600 Atlantic Federal Credit Union offer online and mobile banking?

Most modern institutions like 600 Atlantic Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.600atlanticfcu.org.