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Atlantic Regional Federal Credit Union

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Atlantic Regional Federal Credit Union Rates & Review November 2026

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

Current rates for Atlantic Regional Federal Credit Union include: 12-Month CD: 3.80%, Savings: 4.00%, MMA: 0.70%

Q: What CD terms does Atlantic Regional Federal Credit Union offer?

Atlantic Regional Federal Credit Union CD rates are 2.15% APY for a 3 month CD, 3.65% APY for a 6 month CD, 3.80% APY for a 12 month CD, 4.10% APY for a 15 month CD and 3.60% APY for an 18 month CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Atlantic Regional Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 28, 2026

Atlantic Regional Federal Credit Union's 3 Mo. CD rates are at 2.15%, 15 Mo. Share or IRA CD rates are at 4.10%, 1 Year Share or IRA CD rates are at 3.80%, 6 Mo. Share or IRA CD rates are at 3.65%, 18 Mo. Rippling Waves Share or IRA CD rates are at 3.60%. Atlantic Regional Federal Credit Union's savings rates are at 4.00%. Atlantic Regional Federal Credit Union's money market rates are at 0.70%. Atlantic Regional Federal Credit Union's checking rates are as high as 5.00%. Atlantic Regional Federal Credit Union's Personal Loan Rates are as low as 10.75%. Atlantic Regional Federal Credit Union's Credit Card Rates are at 11.49%. Atlantic Regional Federal Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A+ health rating. 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 10/28/2026.

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 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
15 Mo. Share or IRA Certificate	4.02%	4.10%	15 months
Min Deposit $500 Details Dividend Rate column; Penalty for early withdrawal applies Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 4.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
1 Year Share or IRA Certificate	3.74%	3.80%	1 year
Min Deposit $500 Details Dividend Rate column; Penalty for early withdrawal applies Last Updated 10/28/2026 Rate History 2 changes since Sep 30, 2026 · 3.20% → 3.80% ▲ 0.60 pts · high 3.80% / low 3.20% Oct 23, 20263.80%▲ from 3.55% 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	3.59%	3.65%	6 months
Min Deposit $500 Details Dividend Rate column; Penalty for early withdrawal applies Last Updated 10/28/2026 Rate History 2 changes since Sep 30, 2026 · 3.15% → 3.65% ▲ 0.50 pts · high 3.65% / low 3.15% Oct 23, 20263.65%▲ from 3.40% 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	3.54%	3.60%	18 months
Min Deposit $500 Details Allows additional ($500 minimum) deposits; Dividend Rate column; Penalty for early withdrawal applies Last Updated 10/28/2026 Rate History 2 changes since Sep 30, 2026 · 3.10% → 3.60% ▲ 0.50 pts · high 3.60% / low 3.10% Oct 23, 20263.60%▲ from 3.35% 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	3.45%	3.50%	5 years
Min Deposit $500 Details Allows 1-time rate increase; Dividend Rate column; Penalty for early withdrawal applies Last Updated 10/28/2026 Rate History 2 changes since Sep 30, 2026 · 3.00% → 3.50% ▲ 0.50 pts · high 3.50% / low 3.00% Oct 23, 20263.50%▲ from 3.25% 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	3.40%	3.45%	4 years
Min Deposit $500 Details Dividend Rate column; Penalty for early withdrawal applies Last Updated 10/28/2026 Rate History 2 changes since Sep 30, 2026 · 2.95% → 3.45% ▲ 0.50 pts · high 3.45% / low 2.95% Oct 23, 20263.45%▲ from 3.20% 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	3.35%	3.40%	2 years
Min Deposit $500 Details Dividend Rate column; Penalty for early withdrawal applies Last Updated 10/28/2026 Rate History 2 changes since Sep 30, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90% Oct 23, 20263.40%▲ from 3.15% 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	3.35%	3.40%	3 years
Min Deposit $500 Details Dividend Rate column; Penalty for early withdrawal applies Last Updated 10/28/2026 Rate History 2 changes since Sep 30, 2026 · 2.90% → 3.40% ▲ 0.50 pts · high 3.40% / low 2.90% Oct 23, 20263.40%▲ from 3.15% 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	2.13%	2.15%	3 months
Min Deposit $100 Details Dividend Rate column; Penalty for early withdrawal applies Last Updated 10/28/2026 Rate History 2 changes since Sep 30, 2026 · 1.65% → 2.15% ▲ 0.50 pts · high 2.15% / low 1.65% Oct 23, 20262.15%▲ from 1.90% 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
Centsables Youth Savings	0.05%	0.05%
Min Deposit $25 Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Clubs	0.05%	0.05%
No additional details. Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Savings	0.05%	0.05%
Min Deposit $25 Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 0.05% APY · checked 3 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 10/28/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 7 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 10/28/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 7 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 10/28/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 7 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 and over Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 4.00% APY · checked 7 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 10/28/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 7 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 10/28/2026 Rate History No change since Sep 30, 2026 · 2.00% APY · checked 7 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 10/28/2026 Rate History No change since Sep 30, 2026 · 1.50% APY · checked 7 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 10/28/2026 Rate History No change since Sep 30, 2026 · 1.00% APY · checked 7 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 10/28/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 7 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 10/28/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 7 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 10/28/2026 Rate History No change since Sep 30, 2026 · 0.05% APY · checked 8 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	0.70%	0.70%
Min Balance $1,000 Details Balance: $1,000 - $4,999 (Savings); Account does not earn dividends if balance falls below $1,000 Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 0.50% → 0.70% ▲ 0.20 pts · high 0.70% / low 0.50% Oct 28, 20260.70%▲ from 0.50% Sep 30, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Money Market	0.70%	0.70%
Min Balance $2,500 Details Balance: $2,500 - $4,999 (Checking); Account does not earn dividends if balance falls below $2,500 Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 0.50% → 0.70% ▲ 0.20 pts · high 0.70% / low 0.50% Oct 28, 20260.70%▲ from 0.50% Sep 30, 20260.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Money Market	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000 and over Last Updated 10/28/2026 Rate History 2 changes since Oct 10, 2026 · 0.50% → 0.50% ▼ 0.00 pts · high 2.00% / low 0.50% Oct 23, 20260.50%▼ from 2.00% Oct 14, 20262.00%▲ from 0.50% Oct 10, 20260.50%first recorded 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 10/28/2026 Rate History 2 changes since Oct 10, 2026 · 0.40% → 0.40% ▼ 0.00 pts · high 1.85% / low 0.40% Oct 23, 20260.40%▼ from 1.85% Oct 14, 20261.85%▲ from 0.40% Oct 10, 20260.40%first recorded 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 10/28/2026 Rate History 2 changes since Oct 10, 2026 · 0.30% → 0.30% ▼ 0.00 pts · high 1.35% / low 0.30% Oct 23, 20260.30%▼ from 1.35% Oct 14, 20261.35%▲ from 0.30% Oct 10, 20260.30%first recorded 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 10/28/2026 Rate History 2 changes since Oct 10, 2026 · 0.25% → 0.25% ▼ 0.00 pts · high 1.00% / low 0.25% Oct 23, 20260.25%▼ from 1.00% Oct 14, 20261.00%▲ from 0.25% Oct 10, 20260.25%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 10/28/2026 Rate History No change since Oct 10, 2026 · 0.05% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%

Atlantic Regional Federal Credit Union Checking Rates

Product	Rate	APY
Free Kasasa Cash Checking	-	5.00%
Min Deposit $0 Details Qualifications Required: 1 direct deposit, ACH credit, or ACH payment transaction; 30 debit card purchases; e-statements enrollment; Balance: $0.00 - $15,000.00; Qualifying balance up to and including $15,000.00; Premium Rewards; Refunds on ATM withdrawal fees, nationwide; APYs accurate as of 10/1/2025 Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 0.05% → 5.00% ▲ 4.95 pts · high 5.00% / low 0.05% Oct 23, 20265.00%▲ from 0.05% Sep 30, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash - Premier Rewards Checking	4.89%	5.00%
Min Deposit $0 Min Balance $0 Details Qualifications Required; Balance: $0 - $15,000; Qualifying tier for Premier Rewards (premium 5% APY requires at least 30 debit card purchases per monthly cycle) Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 5.00% APY · checked 6 times 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; Premium Rewards; Balance: $0 - $15,000; Rates apply when qualifications are met each monthly qualification cycle; balances over $15,000 earn 0.25% dividend rate (5.00% to 0.87% APY range); APYs accurate as of 10/1/2025 Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 2.50% → 5.00% ▲ 2.50 pts · high 5.00% / low 2.50% Oct 23, 20265.00%▲ 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	3.93%	4.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.65% → 4.00% ▲ 1.35 pts · high 4.00% / low 2.65% Oct 23, 20264.00%▲ from 2.65% Oct 15, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	3.93%	4.00%
Min Balance $500,000 Details Balance: $500,000 - $749,999 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.80% → 4.00% ▲ 1.20 pts · high 4.00% / low 2.80% Oct 23, 20264.00%▲ from 2.80% Oct 15, 20262.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	3.93%	4.00%
Min Balance $750,000 Details Balance: $750,000 - $999,999 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.90% → 4.00% ▲ 1.10 pts · high 4.00% / low 2.90% Oct 23, 20264.00%▲ from 2.90% Oct 15, 20262.90%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	3.93%	4.00%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 3.10% → 4.00% ▲ 0.90 pts · high 4.00% / low 3.10% Oct 23, 20264.00%▲ from 3.10% Oct 15, 20263.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	3.19%	3.25%
Min Balance $500,000 Details Qualifications Required; Balance: $500,000+ Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	3.19%	3.25%
Min Balance $500,000 Details Balance: $500,000+ Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.80% → 3.25% ▲ 0.45 pts · high 3.25% / low 2.80% Oct 23, 20263.25%▲ from 2.80% Oct 15, 20262.80%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	3.06%	3.10%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 3.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	3.06%	3.10%
Min Balance $1,000,000 Details Balance: $1,000,000 and over Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	2.96%	3.00%
Min Balance $250,000 Details Qualifications Required; Balance: $250,000 - $499,999.99 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 3.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	2.96%	3.00%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.65% → 3.00% ▲ 0.35 pts · high 3.00% / low 2.65% Oct 23, 20263.00%▲ from 2.65% Oct 15, 20262.65%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	2.86%	2.90%
Min Balance $750,000 Details Balance: $750,000 - $999,999 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.90% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	2.86%	2.90%
Min Balance $750,000 Details Balance: $750,000 - $999,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.90% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	2.76%	2.80%
Min Balance $500,000 Details Balance: $500,000 - $749,999 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.80% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	2.76%	2.80%
Min Balance $500,000 Details Balance: $500,000 - $749,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.80% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	2.62%	2.65%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.65% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	2.62%	2.65%
Min Balance $250,000 Details Balance: $250,000 - $499,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.65% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash - Standard Rewards Checking	2.47%	2.50%
Min Deposit $0 Min Balance $0 Details Qualifications Required: 1 ACH direct deposit, ACH automatic withdrawal, or Bill Pay payment; 12 debit card purchases; eStatements enrollment; Balance: $0 - $15,000 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.50% 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 $0 Details Qualifications Required; Standard Rewards; Balance: $0 - $15,000; Qualifying balance up to $15,000.00 Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.00% → 2.50% ▲ 0.50 pts · high 2.50% / low 2.00% Oct 23, 20262.50%▲ from 2.00% Oct 15, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	2.47%	2.50%
Min Balance $0 Details Balance: $0 - $249,999.99 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 0.05% → 2.50% ▲ 2.45 pts · high 2.50% / low 0.05% Oct 23, 20262.50%▲ from 0.05% Oct 15, 20260.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 2.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	1.98%	2.00%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 1.85% → 2.00% ▲ 0.15 pts · high 2.00% / low 1.85% Oct 23, 20262.00%▲ from 1.85% Oct 15, 20261.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	1.98%	2.00%
Min Balance $100,000 Details Balance: $100,000 - $249,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 2.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	1.83%	1.85%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.85% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	1.83%	1.85%
Min Balance $50,000 Details Balance: $50,000 - $99,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.85% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	1.49%	1.50%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 1.35% → 1.50% ▲ 0.15 pts · high 1.50% / low 1.35% Oct 23, 20261.50%▲ from 1.35% Oct 15, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	1.34%	1.35%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	1.34%	1.35%
Min Balance $10,000 Details Balance: $10,000 - $49,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.35% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	0.99%	1.00%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 1.00% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	0.99%	1.00%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	0.99%	1.00%
Min Balance $5,000 Details Balance: $5,000 - $9,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 1.00% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000 - $4,999 (Savings) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $4,999 (Checking) Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.50% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000 - $4,999 (Savings) Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Cash Checking	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $4,999 (Checking) Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	0.50%	0.50%
Min Balance $100,000 Details Balance: $100,000+; Table heading not visible in page context Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 2.00% → 0.50% ▼ 1.50 pts · high 2.00% / low 0.50% Oct 23, 20260.50%▼ from 2.00% Oct 15, 20262.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	0.50%	0.50%
Min Balance $1,000 Details Balance: $1,000 - $4,999 (Savings) Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	0.50%	0.50%
Min Balance $2,500 Details Balance: $2,500 - $4,999 (Checking) Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.50% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	0.40%	0.40%
Min Balance $50,000 Details Balance: $50,000 - $99,999; Table heading not visible in page context Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 1.85% → 0.40% ▼ 1.45 pts · high 1.85% / low 0.40% Oct 23, 20260.40%▼ from 1.85% Oct 15, 20261.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	0.30%	0.30%
Min Balance $5,000 Details Balance: $5,000+ Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.30% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	0.30%	0.30%
Min Balance $10,000 Details Balance: $10,000 - $49,999; Table heading not visible in page context Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 1.35% → 0.30% ▼ 1.05 pts · high 1.35% / low 0.30% Oct 23, 20260.30%▼ from 1.35% Oct 15, 20261.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	0.25%	0.25%
Min Balance $1,000 Details Balance: $1,000 - $4,999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.25% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	0.25%	0.25%
Min Balance $5,000 Details Balance: $5,000 - $9,999; Table heading not visible in page context Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 0.30% → 0.25% ▼ 0.05 pts · high 0.30% / low 0.25% Oct 23, 20260.25%▼ from 0.30% Oct 15, 20260.30%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Free Kasasa Cash Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $999 Last Updated 10/28/2026 Rate History 1 change since Oct 15, 2026 · 5.00% → 0.05% ▼ 4.95 pts · high 5.00% / low 0.05% Oct 23, 20260.05%▼ from 5.00% Oct 15, 20265.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Member Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0 - $999 Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 0.05% APY · checked 3 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 10/28/2026 Rate History No change since Sep 30, 2026 · 0.50% APY · checked 8 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 10/28/2026 Rate History No change since Sep 30, 2026 · 0.30% APY · checked 8 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 10/28/2026 Rate History No change since Sep 30, 2026 · 0.20% APY · checked 8 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 10/28/2026 Rate History No change since Sep 30, 2026 · 0.10% APY · checked 7 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	Term
Home Equity Loan - 60 Months	-	-	6.49%	60 Months
Details As Low As; APR* as low as rate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Home Equity Line of Credit - Interest Only	-	-	6.50%
Details As Low As; Variable; Rate determined by The Wall Street Prime rate and credit qualifications; Minimum line of credit amount is $10,000 Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 6.50% APR · checked 9 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 As Low As; Variable; Rate determined by The Wall Street Prime rate and credit qualifications; Minimum line of credit amount is $10,000 Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 6.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Home Equity Loan - 120 Months	-	-	6.74%	120 Months
Details As Low As; APR* as low as rate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Home Equity Loan - 180 Months	-	-	6.99%	180 Months
Details As Low As; APR* as low as rate Last Updated 10/28/2026 Rate History No change since Oct 15, 2026 · 6.99% APR · checked 3 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 - 36 Months	-	-	4.24%	36 Months
Details As Low As; Membership required; As low as rate includes direct deposit discount of 0.25%, maximum term of 36 months, and vehicle no more than three model years old Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99% Oct 23, 20264.24%▲ from 3.99% Sep 30, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles - 48 Months	-	-	4.49%	48 Months
Details As Low As; Membership required; As low as rate includes direct deposit discount of 0.25%, maximum term of 36 months, and vehicle no more than three model years old Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 23, 20264.49%▲ from 4.24% Sep 30, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles - 60 Months	-	-	4.49%	60 Months
Details As Low As; Membership required; As low as rate includes direct deposit discount of 0.25%, maximum term of 36 months, and vehicle no more than three model years old Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 23, 20264.49%▲ from 4.24% Sep 30, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles - 72 Months	-	-	4.99%	72 Months
Details As Low As; Membership required; As low as rate includes direct deposit discount of 0.25%, maximum term of 36 months, and vehicle no more than three model years old Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 23, 20264.99%▲ from 4.74% Sep 30, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles - 84 Months	-	-	6.49%	84 Months
Details As Low As; Membership required; As low as rate includes direct deposit discount of 0.25%, maximum term of 36 months, and vehicle no more than three model years old Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 6.24% → 6.49% ▲ 0.25 pts · high 6.49% / low 6.24% Oct 23, 20266.49%▲ from 6.24% Sep 30, 20266.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
New/Used Automobiles - 96 Months	-	-	7.24%	96 Months
Details As Low As; Membership required; As low as rate includes direct deposit discount of 0.25%, maximum term of 36 months, and vehicle no more than three model years old Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 6.99% → 7.24% ▲ 0.25 pts · high 7.24% / low 6.99% Oct 23, 20267.24%▲ from 6.99% Sep 30, 20266.99%first recorded 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 - 36 Months Loan	-	4.99%	36 Months
Details As Low As; Recreational Vehicles & Motorcycles; maximum term of 36 months for as low as rate; recreational vehicle must be no more than three model years old Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 4.99% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Recreational Vehicles & Motorcycles Loan	-	4.99%	36 Months
Details As Low As; Minimum loan amounts apply; Membership or eligibility to join Atlantic is required Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 4.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Recreational Vehicles & Motorcycles - 48 Months Loan	-	5.24%	48 Months
Details As Low As; Recreational Vehicles & Motorcycles; recreational vehicle must be no more than three model years old Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 5.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Recreational Vehicles & Motorcycles - 60 Months Loan	-	5.24%	60 Months
Details As Low As; Recreational Vehicles & Motorcycles; recreational vehicle must be no more than three model years old Last Updated 10/28/2026 Rate History No change since Oct 14, 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%	48 Months
Details As Low As; Minimum loan amounts apply; Membership or eligibility to join Atlantic is required Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 5.24% APR · checked 8 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; Minimum loan amounts apply; Membership or eligibility to join Atlantic is required Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 5.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Recreational Vehicles & Motorcycles - 72 Months Loan	-	5.99%	72 Months
Details As Low As; Recreational Vehicles & Motorcycles; recreational vehicle must be no more than three model years old Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 5.99% 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; Minimum loan amounts apply; Membership or eligibility to join Atlantic is required Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 5.99% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Recreational Vehicles & Motorcycles - 84 Months Loan	-	7.24%	84 Months
Details As Low As; Recreational Vehicles & Motorcycles; recreational vehicle must be no more than three model years old Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 7.24% 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; Minimum loan amounts apply; Membership or eligibility to join Atlantic is required Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 7.24% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Extended Terms for Large Recreational Loans - 120 Months	-	7.49%	120 Months
Details As Low As; Payment per $1,000: $11.87; Includes direct deposit discount of 0.25% and 0.50% down payment discount (20% of purchase price or book value); Retail value must be >= loan amount; Minimum loan amounts and age of vehicle rate premiums may apply Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Extended Terms for Large Recreational Loans - 180 Months	-	7.74%	180 Months
Details As Low As; Payment per $1,000: $9.41; Includes direct deposit discount of 0.25% and 0.50% down payment discount (20% of purchase price or book value); Retail value must be >= loan amount; Minimum loan amounts and age of vehicle rate premiums may apply Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 7.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Extended Terms for Large Recreational Loans - 240 Months	-	7.99%	240 Months
Details As Low As; Payment per $1,000: $8.37; Includes direct deposit discount of 0.25% and 0.50% down payment discount (20% of purchase price or book value); Retail value must be >= loan amount; Minimum loan amounts and age of vehicle rate premiums may apply Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 7.99% APR · checked 4 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/promo APR: 2.49%; As Low As; Intro rate expires: 12 Billing Cycles; Regular APR: 11.49% (Non-Variable) Last Updated 10/28/2026 Rate History No change since Oct 6, 2026 · 11.49% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Visa Signature	-	14.00%
Details Intro/promo APR: 2.49%; As Low As; Intro rate expires: 12 Billing Cycles; Regular APR: 14.00% (Variable) Last Updated 10/28/2026 Rate History No change since Oct 6, 2026 · 14.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Visa Secured	-	17.99%
Details As Low As; Non-Variable; No introductory rate Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 17.99% APR · checked 8 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 - 12 Months	10.75%	12 Months
Details As Low As; includes direct deposit discount of 0.25%; maximum term of 12 months Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 10.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Personal Loan - 36 Months	12.75%	36 Months
Details As Low As; includes direct deposit discount of 0.25% Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 12.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Personal Line of Credit	13.75%
Details As Low As; As low as rate includes direct deposit discount of 0.25% Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 13.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Personal Loan - 60 Months	13.75%	60 Months
Details As Low As; includes direct deposit discount of 0.25% Last Updated 10/28/2026 Rate History No change since Oct 14, 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/promo APR: 2.49%; As Low As; Intro rate expires: 12 Billing Cycles; Regular APR: 14.00% (Variable) Last Updated 10/28/2026 Rate History No change since Oct 6, 2026 · 14.00% APR · checked 4 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
Better Than a Lease - 36 Months Loan	-	-	4.24%	36 Months
Details As Low As; Payment per $1,000 not a rate; includes 0.25% direct deposit discount; $835 Program fee; vehicle no more than five model years old; retail value must be >= loan amount; rate determined by credit qualifications Last Updated 10/28/2026 Rate History 1 change since Oct 14, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99% Oct 23, 20264.24%▲ from 3.99% Oct 14, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Better Than a Lease - 48 Months Loan	-	-	4.24%	48 Months
Details As Low As; includes 0.25% direct deposit discount; $835 Program fee; vehicle no more than five model years old; retail value must be >= loan amount; rate determined by credit qualifications Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 4.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Better Than a Lease - 60 Months Loan	-	-	4.49%	60 Months
Details As Low As; includes 0.25% direct deposit discount; $835 Program fee; vehicle no more than five model years old; retail value must be >= loan amount; rate determined by credit qualifications Last Updated 10/28/2026 Rate History 1 change since Oct 14, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 23, 20264.49%▲ from 4.24% Oct 14, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Better Than a Lease - 72 Months Loan	-	-	4.99%	72 Months
Details As Low As; includes 0.25% direct deposit discount; $835 Program fee; vehicle no more than five model years old; retail value must be >= loan amount; rate determined by credit qualifications Last Updated 10/28/2026 Rate History 1 change since Oct 14, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 23, 20264.99%▲ from 4.74% Oct 14, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Better Than a Lease Loan	-	-	4.24%	36 Months
Details As Low As; As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months; vehicle must be no more than three model years old Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 3.99% → 4.24% ▲ 0.25 pts · high 4.24% / low 3.99% Oct 23, 20264.24%▲ from 3.99% Sep 30, 20263.99%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Better Than a Lease Loan	-	-	4.49%	60 Months
Details As Low As; As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months; vehicle must be no more than three model years old Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 23, 20264.49%▲ from 4.24% Sep 30, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Better Than a Lease Loan	-	-	4.99%	72 Months
Details As Low As; As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months; vehicle must be no more than three model years old Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 4.74% → 4.99% ▲ 0.25 pts · high 4.99% / low 4.74% Oct 23, 20264.99%▲ from 4.74% Sep 30, 20264.74%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Better Than a Lease Loan	-	-	4.49%	48 Months
Details As Low As; Auto loan APR Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 4.24% → 4.49% ▲ 0.25 pts · high 4.49% / low 4.24% Oct 23, 20264.49%▲ from 4.24% Sep 30, 20264.24%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Better Than a Lease Loan	-	-	6.49%	84 Months
Details As Low As; Auto loan APR Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 6.49% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Better Than a Lease Loan	-	-	7.24%	96 Months
Details As Low As; Auto loan APR Last Updated 10/28/2026 Rate History No change since Oct 23, 2026 · 7.24% APR · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Credit Builder Loan	-	-	10.00%	12 Months
Details Rate includes maximum term of 12 months. Loan is subject to approval. Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 10.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Equipment Loan	-	-	6.49%	36 Months
Details As Low As; Includes direct deposit discount of 0.25%; maximum term of 36 months; equipment must be no more than three model years old; retail value must be greater than or equal to loan amount Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 6.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Equipment Loan	-	-	6.74%	48 Months
Details As Low As; Includes direct deposit discount of 0.25%; equipment must be no more than three model years old; retail value must be greater than or equal to loan amount Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Equipment Loan	-	-	6.74%	60 Months
Details As Low As; Includes direct deposit discount of 0.25%; equipment must be no more than three model years old; retail value must be greater than or equal to loan amount Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 6.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Equipment Loan	-	-	7.49%	72 Months
Details As Low As; Includes direct deposit discount of 0.25%; equipment must be no more than three model years old; retail value must be greater than or equal to loan amount Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 7.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Equipment Loan	-	-	8.74%	84 Months
Details As Low As; Includes direct deposit discount of 0.25%; equipment must be no more than three model years old; retail value must be greater than or equal to loan amount Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 8.74% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Home Improvement - 12 Months Loan	-	-	9.75%	12 Months
Details As Low As; Verification of home ownership required; As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 9.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Home Improvement - 36 Months Loan	-	-	11.75%	36 Months
Details As Low As; Verification of home ownership required; As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 11.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Home Improvement - 60 Months Loan	-	-	12.75%	60 Months
Details As Low As; Verification of home ownership required; As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 12.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Land Loans	-	-	8.49%	180 Months
Details As Low As; Minimum loan amount is $20,000; Your rate will be determined by your credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 8.49% APR · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Home on Land (Double Wide) - 240 Months Loan	-	-	7.75%	240 Months
Details As Low As; Minimum loan amount $20,000; Longer terms available at different rates; Table label 'Land Loans' does not match these rows; rows match the Mobile Home on Land (Double Wide) section Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 7.75% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Home on Land (Double Wide) - 360 Months Loan	-	-	8.25%	360 Months
Details As Low As; Minimum loan amount $20,000; Longer terms available at different rates; Table label 'Land Loans' does not match these rows; rows match the Mobile Home on Land (Double Wide) section Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 8.25% APR · checked 4 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 Published APR range: As low as 7.75%. As low as; Minimum loan amount is $20,000; Payment per $1,000 not included; Rate determined by credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 7.75% APR · checked 9 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 Published APR range: As low as 8.25%. As low as; Minimum loan amount is $20,000; Payment per $1,000 not included; Rate determined by credit qualifications Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 8.25% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Home on Land (Single Wide) - 180 Months Loan	-	-	8.00%	180 Months
Details As Low As; Minimum loan amount $20,000; Payment example includes principal and interest only Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 8.00% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Home on Land (Single Wide) - 240 Months Loan	-	-	8.50%	240 Months
Details As Low As; Minimum loan amount $20,000; Payment example includes principal and interest only Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 8.50% APR · checked 3 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; Minimum loan amount is $20,000 Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 8.00% APR · checked 9 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; Minimum loan amount is $20,000 Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 8.50% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Homes In a Park - 180 Months Loan	-	-	8.50%	180 Months
Details As Low As; Minimum loan amount $20,000; Payment per $1,000: $9.86 Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 8.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Mobile Homes In a Park - 240 Months Loan	-	-	8.75%	240 Months
Details As Low As; Minimum loan amount $20,000; Payment per $1,000: $8.85 Last Updated 10/28/2026 Rate History No change since Oct 14, 2026 · 8.75% APR · checked 4 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; Minimum loan amount $20,000; Payment example includes principal and interest only and excludes property taxes, insurance, or ground/lot rent Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 8.50% APR · checked 9 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; Minimum loan amount $20,000; Payment example includes principal and interest only and excludes property taxes, insurance, or ground/lot rent Last Updated 10/28/2026 Rate History No change since Sep 30, 2026 · 8.75% APR · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 3.78%
Kasasa Saver Savings	2.67%	-	2.70%
Min Balance $0 Details Qualifications Required; Balance: $0 - $249,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 2.50% → 2.70% ▲ 0.20 pts · high 2.70% / low 2.50% Oct 28, 20262.70%▲ 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	3.15%	-	3.20%
Min Balance $250,000 Details Qualifications Required; Balance: $250,000 - $499,999.99 Last Updated 10/28/2026 Rate History 1 change since Sep 30, 2026 · 3.00% → 3.20% ▲ 0.20 pts · high 3.20% / low 3.00% Oct 28, 20263.20%▲ from 3.00% Sep 30, 20263.00%first recorded 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

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 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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

Customer Reviews

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Frequently Asked Questions About Atlantic Regional Federal Credit Union

Does Atlantic Regional Federal Credit Union offer CDs?

Yes. Atlantic Regional Federal Credit Union current CD rates include its 15 Mo. Share or IRA CD at 4.10% APY, its 1 Year Share or IRA CD at 3.80% APY and its 6 Mo. Share or IRA CD at 3.65% APY, verified by MonitorBankRates as of October 28, 2026.

Are CDs from Atlantic Regional Federal Credit Union NCUA insured?

Yes. Atlantic Regional Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Atlantic Regional Federal Credit Union?

The highest Atlantic Regional Federal Credit Union CD rate is its 15 Mo. Share or IRA CD at 4.10% APY, verified by MonitorBankRates as of October 28, 2026.

What CD terms does Atlantic Regional Federal Credit Union offer?

Atlantic Regional Federal Credit Union CD rates are 2.15% APY for a 3 month CD, 3.65% APY for a 6 month CD, 3.80% APY for a 12 month CD, 4.10% APY for a 15 month CD and 3.60% APY for an 18 month CD, verified by MonitorBankRates as of October 28, 2026. The institution may offer other terms or specials that are not listed here, so check with Atlantic Regional Federal Credit Union for its full lineup.

What is the highest savings rate at Atlantic Regional Federal Credit Union?

The highest Atlantic Regional Federal Credit Union savings rate is its Business Savings at 4.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest money market rate at Atlantic Regional Federal Credit Union?

The highest Atlantic Regional Federal Credit Union money market rate is its Money Market at 0.70% APY, verified by MonitorBankRates as of October 28, 2026.

What is the highest checking rate at Atlantic Regional Federal Credit Union?

The highest Atlantic Regional Federal Credit Union checking rate is its Free Kasasa Cash Checking at 5.00% APY, verified by MonitorBankRates as of October 28, 2026.

What is the lowest auto loan rate at Atlantic Regional Federal Credit Union?

The lowest Atlantic Regional Federal Credit Union auto loan rate is its Recreational Vehicles & Motorcycles - 36 Months Loan at 4.99% APR, verified by MonitorBankRates as of October 28, 2026. Atlantic Regional Federal Credit Union auto loan rates are 4.99% APR for a 36 month auto loan, 5.24% APR for a 48 month auto loan, 5.24% APR for a 60 month auto loan, 5.99% APR for a 72 month auto loan and 7.24% APR for an 84 month auto loan.

What is the lowest personal loan rate at Atlantic Regional Federal Credit Union?

The lowest Atlantic Regional Federal Credit Union personal loan rate is its Personal Loan - 12 Months at 10.75% APR, verified by MonitorBankRates as of October 28, 2026. Atlantic Regional Federal Credit Union personal loan rates are 10.75% APR for a 12 month personal loan, 12.75% APR for a 36 month personal loan and 13.75% APR for a 60 month personal loan.

What is the lowest credit card APR at Atlantic Regional Federal Credit Union?

The lowest Atlantic Regional Federal Credit Union credit card APR is its Visa Platinum Credit Card at 11.49% APR, verified by MonitorBankRates as of October 28, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Atlantic Regional Federal Credit Union rates compare?

Atlantic Regional Federal Credit Union's CD rates are 20% higher than the MonitorBankRates national average, and it has an A+ health rating. Atlantic Regional Federal Credit Union's top rates are its 15 Mo. Share or IRA CD at 4.10% APY, its Business Savings at 4.00% APY, its Money Market at 0.70% APY, its Free Kasasa Cash Checking at 5.00% APY, its Personal Loan - 12 Months at 10.75% APR and its Visa Platinum Credit Card at 11.49% APR, verified by MonitorBankRates on October 28, 2026.

Current Atlantic Regional Federal Credit Union Rates

12-Month CD3.80%
Savings4.00%
MMA0.70%

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

Compare to Other Credit Unions

Atlantic Regional Federal Credit Union Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Atlantic Regional Federal Credit Union Texas Ratio

Atlantic Regional Federal Credit Union Health Trend

Atlantic Regional Federal Credit Union CD Rates

Atlantic Regional Federal Credit Union Savings Rates

Atlantic Regional Federal Credit Union Business Savings Rates

Atlantic Regional Federal Credit Union Money Market Rates

Atlantic Regional Federal Credit Union Checking Rates

Atlantic Regional Federal Credit Union Business Checking Rates

Atlantic Regional Federal Credit Union Home Equity & HELOC

Atlantic Regional Federal Credit Union Auto Loan Rates

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

Atlantic Regional Federal Credit Union Credit Card Rates

Atlantic Regional Federal Credit Union Personal Loan Rates

Atlantic Regional Federal Credit Union Other Rates

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

Does Atlantic Regional Federal Credit Union offer CDs?

Are CDs from Atlantic Regional Federal Credit Union NCUA insured?

What is the highest CD rate at Atlantic Regional Federal Credit Union?

What CD terms does Atlantic Regional Federal Credit Union offer?

What is the highest savings rate at Atlantic Regional Federal Credit Union?

What is the highest money market rate at Atlantic Regional Federal Credit Union?

What is the highest checking rate at Atlantic Regional Federal Credit Union?

What is the lowest auto loan rate at Atlantic Regional Federal Credit Union?

What is the lowest personal loan rate at Atlantic Regional Federal Credit Union?

What is the lowest credit card APR at 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?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Atlantic Regional Federal Credit Union rates compare?

Current Atlantic Regional Federal Credit Union Rates

Compare to Other Credit Unions