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

Current rates for Atlantic Regional Federal Credit Union include: 12-Month CD: 3.55%, Savings: 4.00%, MMA: 0.50%

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Atlantic Regional Federal Credit Union

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Atlantic Regional Federal Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Atlantic Regional 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 10, 2026

Atlantic Regional Federal Credit Union's top rates as of October 10, 2026 are 3.55% APY on its 1 Year Share or IRA CD, 4.00% APY on savings, 0.50% APY on money market accounts, 0.50% APY on checking, personal loans from 10.75% APR, and credit cards from 11.49% APR, according to rates verified by MonitorBankRates. Other Atlantic Regional Federal Credit Union CD rates include 6 Mo. Share or IRA CD at 3.40%, 18 Mo. Rippling Waves Share or IRA CD at 3.35%, and 5 Yrs. Step-Up Share or IRA CD at 3.25%. MonitorBankRates evaluates the financial stability of Atlantic Regional Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.78%. Rates last updated and verified on 10/10/2026.

Atlantic Regional 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 Atlantic Regional Federal Credit Union? Share your experience about Atlantic Regional Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Atlantic Regional Federal Credit Union.

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

Overall Health & Safety Grade

A+

Exceptional Health Score: 98/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

3.78%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Atlantic Regional Federal Credit Union
South Portland

600 Sable Oaks Dr Ste 100
South Portland, ME 04106-3292

https://atlanticfcu.com

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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.

Atlantic Regional Federal Credit Union CD Rates

Product	Rate	APY	Term
1 Year Share or IRA Certificate	3.49%	3.55%	1 year
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 3.20% → 3.55% ▲ 0.35 pts · high 3.55% / low 3.20% Oct 6, 20263.55%▲ from 3.20% Sep 30, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
6 Mo. Share or IRA Certificate	3.35%	3.40%	6 months
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 3.15% → 3.40% ▲ 0.25 pts · high 3.40% / low 3.15% Oct 6, 20263.40%▲ from 3.15% Sep 30, 20263.15%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
18 Mo. Rippling Waves Share or IRA Certificate	3.30%	3.35%	18 months
Min Deposit $500 Details allows add'l ($500 minimum) deposits Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 3.10% → 3.35% ▲ 0.25 pts · high 3.35% / low 3.10% Oct 6, 20263.35%▲ from 3.10% Sep 30, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
5 Yrs. Step-Up Share or IRA Certificate	3.20%	3.25%	5 years
Min Deposit $500 Details allows 1-time rate increase Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 6, 20263.25%▲ from 3.00% Sep 30, 20263.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
4 Yrs. Share or IRA Certificate	3.15%	3.20%	4 years
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 2.95% → 3.20% ▲ 0.25 pts · high 3.20% / low 2.95% Oct 6, 20263.20%▲ from 2.95% Sep 30, 20262.95%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
2 Yrs. Share or IRA Certificate	3.11%	3.15%	2 years
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 2.90% → 3.15% ▲ 0.25 pts · high 3.15% / low 2.90% Oct 6, 20263.15%▲ from 2.90% Sep 30, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
3 Yrs. Share or IRA Certificate	3.11%	3.15%	3 years
Min Deposit $500 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 2.90% → 3.15% ▲ 0.25 pts · high 3.15% / low 2.90% Oct 6, 20263.15%▲ from 2.90% Sep 30, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
3 Mo. Share Certificate	1.88%	1.90%	3 months
Min Deposit $100 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 1.65% → 1.90% ▲ 0.25 pts · high 1.90% / low 1.65% Oct 6, 20261.90%▲ from 1.65% Sep 30, 20261.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Savings Rates

Product	Rate	APY
Health Savings Account (HSA)	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Health Savings Account (HSA)	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Centsables Youth Savings	0.05%	0.05%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Health Savings Account (HSA)	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	3.93%	4.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Savings	3.93%	4.00%
Min Balance $500,000 Details Balance: $500,000 - $749,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Savings	3.93%	4.00%
Min Balance $750,000 Details Balance: $750,000 - $999,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Savings	3.93%	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000 + Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Savings	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Savings	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Savings	1.49%	1.50%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Savings	0.99%	1.00%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Savings	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000 - $4,999 (Savings) Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Savings	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $4,999 (Checking) Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Clubs	0.05%	0.05%
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Member Savings	0.05%	0.05%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Savings	0.05%	0.05%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000 - $4,999 (Savings) Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $4,999 (Checking) Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Money Market	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Money Market	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.40% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Money Market	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Money Market	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Money Market	0.25%	0.25%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.25% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Money Market	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 0.50% → 0.25% ▼ 0.25 pts · high 0.50% / low 0.25% Oct 10, 20260.25%▼ from 0.50% Sep 30, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Money Market	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $4,999 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.05% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Business Money Market Rates

Product	Rate	APY
Business Money Market	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000 - $4,999 (Savings) Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Business Money Market	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $4,999 (Checking) Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Business Checking Rates

Product	Rate	APY
Premium Business Checking	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Premium Business Checking	0.30%	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Premium Business Checking	0.20%	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Premium Business Checking	0.10%	0.10%
Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR
Home Equity Line of Credit - Interest Only	-	-	6.50%
Details Variable as low as; Payment: $100 or total interest due, whichever is greater Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Home Equity Line of Credit - Monthly Principal and Interest	-	-	6.50%
Details Variable as low as; Payment: $100 or 1.25% of outstanding balance, whichever is greater Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
New/Used Automobiles	-	-	3.99%	36 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles	-	-	4.24%	48 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles	-	-	4.24%	60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles	-	-	4.74%	72 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles	-	-	6.24%	84 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles	-	-	6.99%	96 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 6.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles	-	-	10.00%	12 Months
No additional details. Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles	-	-	13.75%
Details As low as; Payment per $1,000: $50 or 3.5% of outstanding balance Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 13.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicles & Motorcycles Loan	-	4.99%	36 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Recreational Vehicles & Motorcycles Loan	-	5.24%	48 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Recreational Vehicles & Motorcycles Loan	-	5.24%	60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Recreational Vehicles & Motorcycles Loan	-	5.99%	72 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Recreational Vehicles & Motorcycles Loan	-	7.24%	84 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Extended Terms for Large Recreational Loans	-	7.49%	120 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Large Recreational Loans	-	7.49%	120 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Extended Terms for Large Recreational Loans	-	7.74%	180 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Large Recreational Loans	-	7.74%	180 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.74% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Extended Terms for Large Recreational Loans	-	7.99%	240 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Large Recreational Loans	-	7.99%	240 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 7.99% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Credit Card Rates

Product	Rate	APR
Visa Platinum	-	11.49%
Details Intro rate expires: 12 Billing Cycles; Regular APR: 11.49% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 11.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Credit Card	-	13.75%
Details As low as; Payment per $1,000: $50 or 3.5% of outstanding balance Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Visa Signature	-	14.00%
Details Intro rate expires: 12 Billing Cycles; Regular APR: 14.00% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 14.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Visa Secured	-	17.99%
Details Regular APR: 17.99% Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 17.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan	10.75%	12 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 10.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Personal Loan	12.75%	36 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 12.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Personal Loan	13.75%	60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 13.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Visa Signature	14.00%	12 Billing Cycles
Details Intro rate expires: 12 Billing Cycles; Regular APR: 14.00% Last Updated 10/10/2026 Rate History No change since Oct 6, 2026 · 14.00% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Credit Builder Loan	-	-	6.49%	36 Months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Credit Builder Loan	-	-	6.74%	48 Months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Credit Builder Loan	-	-	6.74%	60 Months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Credit Builder Loan	-	-	7.49%	72 Months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Credit Builder Loan	-	-	8.74%	84 Months
Details As Low As Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Land Loans	-	-	8.00%	180 Months
Details Additional APR listed for this product: 8.49%, 8.50%. As low as Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 8.49% → 8.00% ▼ 0.49 pts · high 8.49% / low 8.00% Oct 10, 20268.00%▼ from 8.49% Sep 30, 20268.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Land Loans	-	-	7.75%	240 Months
Details Additional APR listed for this product: 8.50%, 8.75%. As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Land Loans	-	-	8.25%	360 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 8.25% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Land Loans	-	-	8.49%	180 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Home on Land (Double Wide) Loan	-	-	7.75%	240 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 7.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Home on Land (Double Wide) Loan	-	-	8.25%	360 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Home on Land (Single Wide) Loan	-	-	8.00%	180 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Home on Land (Single Wide) Loan	-	-	8.50%	240 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Homes In a Park Loan	-	-	8.50%	180 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Homes In a Park Loan	-	-	8.75%	240 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 8.75% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Skip To Main Content Loan	-	-	6.49%	60 Months
Details Additional APR listed for this product: 12.75%, 13.75%. As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Skip To Main Content Loan	-	-	6.74%	120 Months
Details Additional APR listed for this product: 7.49%. As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Skip To Main Content Loan	-	-	6.99%	180 Months
Details Additional APR listed for this product: 7.74%. As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 6.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Skip To Main Content Loan	-	-	9.75%	12 Months
Details Additional APR listed for this product: 10.75%. As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 9.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Skip To Main Content Loan	-	-	11.75%	36 Months
Details Additional APR listed for this product: 12.75%. As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 11.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Skip To Main Content Loan	-	-	7.99%	240 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Skip To Main Content Loan	-	-	12.75%	60 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 12.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Skip To Main Content Loan	-	-	7.49%	120 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Skip To Main Content Loan	-	-	7.74%	180 Months
Details As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 7.74% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Skip To Main Content Loan	-	-	13.75%
Details As low as Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 13.75% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Individual Retirement Accounts (IRAs)	0.05%	-	0.05%
Min Balance $0 Details Balance: $0 - $4,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Individual Retirement Accounts (IRAs)	0.25%	-	0.25%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.25% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Individual Retirement Accounts (IRAs)	0.30%	-	0.30%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Individual Retirement Accounts (IRAs)	0.40%	-	0.40%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.40% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Individual Retirement Accounts (IRAs)	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000+ Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	2.47%	-	2.50%
Min Deposit $0 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $15,000 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 5.00% → 2.50% ▼ 2.50 pts · high 5.00% / low 2.50% Oct 6, 20262.50%▼ from 5.00% Sep 30, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	4.89%	-	5.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Balance: $0 - $15,000 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 5.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	0.05%	-	0.05%
Min Deposit $0 Min Balance $0 Details All balances if qualifications not met Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 2.50% → 0.05% ▼ 2.45 pts · high 2.50% / low 0.05% Oct 6, 20260.05%▼ from 2.50% Sep 30, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	4.89%	-	5.00%
Min Deposit $0 Min Balance $15,000 Details Qualifications Required: At least 1 direct deposit, ACH credit, or ACH payment transaction(s); At least 30 debit card purchases; Be enrolled in and have agreed to receive e-statements rather than paper statements; Premium Rewards: Average daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 4.89% resulting in an APY of 5.00%; and average daily balances over $15,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $15,000, resulting in a range from 5.00% to 0.87% APY depending on the account's average daily balance. Last Updated 10/10/2026 Rate History No change since Oct 1, 2026 · 5.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	2.47%	-	2.50%
Min Deposit $0 Min Balance $15,000 Details Qualifications Required: At least 1 direct deposit, ACH credit, or ACH payment transaction(s); At least 12 debit card purchases; Be enrolled in and have agreed to receive e-statements rather than paper statements; Standard Rewards: Average daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 2.47% resulting in an APY of 2.50%; and average daily balances over $15,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $15,000, resulting in a range from 2.50% to 0.54% APY depending on the account's average daily balance. Last Updated 10/10/2026 Rate History 1 change since Oct 1, 2026 · 5.00% → 2.50% ▼ 2.50 pts · high 5.00% / low 2.50% Oct 6, 20262.50%▼ from 5.00% Oct 1, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Business Savings	0.05%	-	0.05%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Centsables Youth Savings	0.05%	-	0.05%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Clubs Savings	0.05%	-	0.05%
Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Member Savings	0.05%	-	0.05%
Min Deposit $25 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Savings	2.47%	-	2.50%
Min Balance $0 Details Balance: $0 - $249,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Savings	2.96%	-	3.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/10/2026 Rate History No change since Sep 30, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Savings	0.10%	-	0.10%
Min Balance $0 Details Balance: Up to $24,999.99 Last Updated 10/10/2026 Rate History 1 change since Sep 30, 2026 · 2.50% → 0.10% ▼ 2.40 pts · high 2.50% / low 0.10% Oct 10, 20260.10%▼ from 2.50% Sep 30, 20262.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Savings	0.20%	-	0.20%
Min Balance $25,000 Details Balance: $25,000 - $49,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Savings	0.30%	-	0.30%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.30% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Savings	0.50%	-	0.50%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/10/2026 Rate History No change since Oct 10, 2026 · 0.50% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

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.
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Financial Health History

Atlantic Regional Federal Credit Union’s Texas Ratio rose from 2.87% in Q3 2023 to 3.78% 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	$1.1B	3.78%	5.0	A+
March 31, 2026	$1.1B	1.74%	5.0	A+
December 31, 2025	$1.1B	4.04%	5.0	A+
September 30, 2025	$1.1B	2.79%	5.0	A+
June 30, 2025	$1.1B	2.73%	5.0	A+
March 31, 2025	$1.1B	1.87%	5.0	A+
December 31, 2024	$1.1B	3.63%	5.0	A+
September 30, 2024	$1.1B	4.49%	5.0	A+
June 30, 2024	$1.1B	4.57%	5.0	A+
March 31, 2024	$1.2B	2.10%	5.0	A+
December 31, 2023	$1.1B	3.56%	5.0	A+
September 30, 2023	$1.1B	2.87%	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 Atlantic Regional 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 Atlantic Regional 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 Atlantic Regional Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Atlantic Regional Federal Credit Union

Website https://atlanticfcu.com

Address 600 Sable Oaks Dr Ste 100, South Portland, ME 04106-3292

Phone 800-834-0432

Fax

President Thomas Perkins

CEO Scott Chretien

Full-Time Employees 195

Part-Time Employees 5

Branch Locations 11

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+ (98/100)

Texas Ratio

3.78%

Return on Assets (ROA)

0.2996%

Return on Equity (ROE)

2.7803%

Non-Performing Loans Ratio (NPL)

0.61%

Total Assets

1,135,429,157

Total Amount of Shares and Deposits

980,507,104

Total Shares and Deposits < 1 Year

964,510,159

Total Shares and Deposits 1 3 Years

11,855,094

Total Shares and Deposits > 3 Years

4,141,851

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

65,945,363

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

65,945,363

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

914,561,741

Total Interest Expense (Sum of items 6 8)

8,378,088

Share Certificates

5,276

Number of Accounts for Share Drafts

45,699

IRA KEOGH Accounts

2,882

Number of Accounts for Regular Shares

69,471

All other shares

1,020

Money Market Shares

3,198

Net Income (unless the amount is already included in Undivided Earnings)

3,401,968

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)

34,131,211

Total Liabilities

1,023,865,480

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Atlantic Regional 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.

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  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
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       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Atlantic Regional Federal Credit Union

How many branches does Atlantic Regional Federal Credit Union operate?

Atlantic Regional 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 Atlantic Regional Federal Credit Union?

Yes, to access services at Atlantic Regional 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, Atlantic Regional 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, Atlantic Regional Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

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

Most modern institutions like Atlantic Regional 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://atlanticfcu.com.

Current Atlantic Regional Federal Credit Union Rates

12-Month CD3.55%
Savings4.00%
MMA0.50%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Atlantic Regional Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Atlantic Regional Federal Credit Union Texas Ratio

Atlantic Regional Federal Credit Union Health Trend

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Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Atlantic Regional Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Atlantic Regional Federal Credit Union

How many branches does Atlantic Regional Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

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

Current Atlantic Regional Federal Credit Union Rates

Compare to Other Credit Unions