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iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 The Atlantic Federal Credit Union Rates & Review November 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.
Read Full Bio →
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 and Verified: October 28, 2026
The Atlantic Federal Credit Union's CDs - 13 Month ULTRA rates are at 4.16%, CDs - 25 Month ULTRA rates are at 4.16%, CDs - 13 Month rates are at 4.05%, CDs - 25 Month rates are at 4.05%, CDs - 6 Month ULTRA rates are at 3.92%. The Atlantic Federal Credit Union's savings rates are at 3.50%. The Atlantic Federal Credit Union's checking rates are as high as 4.00%. The Atlantic Federal Credit Union's Personal Loan Rates are as low as 14.50%. The Atlantic Federal Credit Union's CD rates are 2% lower than the MonitorBankRates national average, and it has a B+ health rating. MonitorBankRates evaluates the financial stability of The Atlantic Federal Credit Union with a 4.7 Star Rating, an B+ Overall Health Grade, and a Texas Ratio of 18.92%. Rates last updated and verified on 10/28/2026. The Atlantic Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at The Atlantic Federal Credit Union? Share your experience about The Atlantic Federal Credit Union by leaving a review below, or read customer reviews before you decide to use The Atlantic Federal Credit Union. The Atlantic Federal Credit Union
Atlantic Federal Credit Union 2 Edison Pl
https://web.atlfedcu.com/ Springfield, NJ 07081  Customer Reviews
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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. The Atlantic Federal Credit Union CD Rates
The Atlantic Federal Credit Union Savings Rates
The Atlantic Federal Credit Union Checking Rates
The Atlantic Federal Credit Union Home Equity & HELOC
The Atlantic Federal Credit Union Auto Loan Rates
The Atlantic Federal Credit Union RV, Boat and Powersport Loan Rates
The Atlantic Federal Credit Union Personal Loan Rates
Financial Health HistoryThe Atlantic Federal Credit Union’s Texas Ratio rose from 8.06% in Q3 2023 to 18.92% in Q2 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 4.7 and its Health Grade from A to B+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify 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 Grade15% Verified Healthy limit (green zone below = healthy)
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for The Atlantic Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather The Atlantic Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with The Atlantic Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
The Atlantic Federal Credit Union
Website
https://web.atlfedcu.com/
Address
2 Edison Pl,
Springfield, NJ 07081
Phone
908-245-1750
Fax
President
Michael Locurcio
CEO
Anthony Mero
Full-Time Employees
36
Part-Time Employees
0
Branch Locations
2
ATM Locations
2
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
4.7 / 5.0 ★
Overall Health & Safety Grade
B+ (87/100)
Texas Ratio
18.92%
Return on Assets (ROA)
-0.0487%
Return on Equity (ROE)
-0.3583%
Non-Performing Loans Ratio (NPL)
3.51%
Total Assets
235,096,414
Total Amount of Shares and Deposits
202,513,296
Total Shares and Deposits < 1 Year
198,550,666
Total Shares and Deposits 1 3 Years
2,625,168
Total Shares and Deposits > 3 Years
1,337,462
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
15,162,258
Total Uninsured Shares and Deposits > $250K (F+J)
15,221,516
Total Insured Shares and Deposits > $250K (item 17 less item K)
187,291,780
Total Interest Expense (Sum of items 6 8)
2,025,480
Share Certificates
1,302
Number of Accounts for Share Drafts
6,123
IRA KEOGH Accounts
537
Number of Accounts for Regular Shares
17,396
All other shares
243
Non Member Deposits
1,260
Money Market Shares
145
Net Income (unless the amount is already included in Undivided Earnings)
-114,439
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)
11,641,467
Total Liabilities
204,083,112
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About The Atlantic Federal Credit UnionDoes The Atlantic Federal Credit Union offer CDs?Yes. The Atlantic Federal Credit Union current CD rates include its CDs - 13 Month ULTRA at 4.16% APY, its CDs - 25 Month ULTRA at 4.16% APY and its CDs - 13 Month at 4.05% APY, verified by MonitorBankRates as of October 28, 2026. Are CDs from The Atlantic Federal Credit Union NCUA insured?Yes. The Atlantic 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 The Atlantic Federal Credit Union?The highest The Atlantic Federal Credit Union CD rate is its CDs - 13 Month ULTRA at 4.16% APY, verified by MonitorBankRates as of October 28, 2026. What CD terms does The Atlantic Federal Credit Union offer?The Atlantic Federal Credit Union CD rates are 3.92% APY for a 6 month CD, 0.50% APY for a 12 month CD, 4.16% APY for a 13 month CD, 0.60% APY for a 2 year CD, 4.16% APY for a 25 month CD and 1.00% APY for a 5 year 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 The Atlantic Federal Credit Union for its full lineup. What is the highest savings rate at The Atlantic Federal Credit Union?The highest The Atlantic Federal Credit Union savings rate is its Ultra Savings at 3.50% APY, verified by MonitorBankRates as of October 28, 2026. What is the highest checking rate at The Atlantic Federal Credit Union?The highest The Atlantic Federal Credit Union checking rate is its Ultra Checking at 4.00% APY, verified by MonitorBankRates as of October 28, 2026. What is the lowest auto loan rate at The Atlantic Federal Credit Union?The lowest The Atlantic Federal Credit Union auto loan rate is its New Auto Loan at 5.79% APR, verified by MonitorBankRates as of October 28, 2026. The Atlantic Federal Credit Union auto loan rates are 6.09% APR for a 48 month auto loan and 6.89% APR for a 60 month auto loan. What is the lowest personal loan rate at The Atlantic Federal Credit Union?The lowest The Atlantic Federal Credit Union personal loan rate is its Personal Loan at 14.50% APR, verified by MonitorBankRates as of October 28, 2026. How many branches does The Atlantic Federal Credit Union operate?The Atlantic Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join The Atlantic Federal Credit Union?Yes, to access services at The Atlantic Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, The Atlantic Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, The Atlantic Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does The Atlantic Federal Credit Union offer online and mobile banking?Most modern institutions like The Atlantic Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://web.atlfedcu.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 The Atlantic Federal Credit Union rates compare?The Atlantic Federal Credit Union's CD rates are 2% lower than the MonitorBankRates national average, and it has a B+ health rating. The Atlantic Federal Credit Union's top rates are its CDs - 13 Month ULTRA at 4.16% APY, its Ultra Savings at 3.50% APY, its Ultra Checking at 4.00% APY and its Personal Loan at 14.50% APR, verified by MonitorBankRates on October 28, 2026. Current The Atlantic Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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