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 Atlantic Regional Federal Credit Union Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: April 17, 2026
Atlantic Regional Federal Credit Union's 1 Year IRA CD rates are at 3.30%, 1 Year CD rates are at 3.30%, 1 Year Share or IRA CD rates are at 3.30%, 6 Mo. IRA CD rates are at 3.25%, 6 Mo. CD rates are at 3.25%. Atlantic Regional Federal Credit Union's savings rates are at 0.05%. Atlantic Regional Federal Credit Union's money market rates are at 0.50%. Atlantic Regional Federal Credit Union's Personal Loan Rates are at 10.75%. 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 2.96%. Rates were last updated on 04/17/2026. 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. Atlantic Regional Federal Credit Union
South Portland 600 Sable Oaks Dr Ste 100
https://atlanticfcu.com South Portland, ME 04106 3292 
Atlantic Regional Federal Credit Union CD Rates
Atlantic Regional Federal Credit Union Savings Rates
Atlantic Regional Federal Credit Union Money Market Rates
Atlantic Regional Federal Credit Union Checking Rates
Atlantic Regional Federal Credit Union Home Equity & HELOC
Atlantic Regional Federal Credit Union Auto Loan Rates
Atlantic Regional Federal Credit Union Credit Card Rates
Atlantic Regional Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates 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
201
Part-Time Employees
3
Branch Locations
11
ATM Locations
11
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.96%
Return on Assets (ROA)
0.3218%
Return on Equity (ROE)
2.9936%
Non-Performing Loans Ratio (NPL)
0.47%
Total Assets
1,094,262,001
Total Amount of Shares and Deposits
954,710,961
Total Shares and Deposits < 1 Year
934,261,507
Total Shares and Deposits 1 3 Years
16,196,566
Total Shares and Deposits > 3 Years
4,252,888
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
62,739,223
Total Uninsured Shares and Deposits > $250K (F+J)
62,739,223
Total Insured Shares and Deposits > $250K (item 17 less item K)
891,971,738
Total Interest Expense (Sum of items 6 8)
14,593,954
Share Certificates
5,354
Number of Accounts for Share Drafts
45,590
IRA KEOGH Accounts
2,992
Number of Accounts for Regular Shares
68,400
All other shares
1,015
Money Market Shares
2,998
Net Income (unless the amount is already included in Undivided Earnings)
3,521,035
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
45,972,737
Total Liabilities
991,721,067
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Atlantic Regional Federal Credit UnionIs Atlantic Regional Federal Credit Union a safe place to deposit money?Yes, Atlantic Regional Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.9622966780965%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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