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Atlantic Regional Federal Credit Union

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Atlantic Regional Federal Credit Union Rates & Review August 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: August 29, 2026

Atlantic Regional Federal Credit Union rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 2.89%, 6-month share certificate rates at 2.75% and 3-month share certificate rates at 2.65%. Savings rates are at 0.84% and money market rates are at 1.17%. Mortgage rates on 30-year fixed loans are around 6.69%. These rates come from our rate database, not Atlantic Regional Federal Credit Union, and you can see how they compare in the Atlantic Regional Federal Credit Union rate tables below. 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 2.79%. Database rates last updated and verified on 08/29/2026.

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.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.79%

Excellent Lower than avg

Atlantic Regional Federal Credit Union
South Portland

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

https://atlanticfcu.com

Current Rate Availability

We're not currently displaying rates for Atlantic Regional Federal Credit Union, but our database is updated constantly — check back soon for the latest offers.

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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 201

Part-Time Employees 3

Branch Locations 11

ATM Locations 11

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.79%

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

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)

45,972,737

Total Liabilities

991,721,067

Source: NCUA — Last Updated 09/30/2025

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.