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Advertiser Disclosure
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 The Atlantic Federal Credit Union Rates & Review September 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: September 23, 2026
The Atlantic Federal Credit Union's Personal Loan Rates are as low as 13.50%. 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 18.23%. Rates last updated and verified on 09/23/2026. 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 
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 5.73% in Q2 2023 to 18.23% in Q1 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
40
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+ (88/100)
Texas Ratio
18.23%
Return on Assets (ROA)
-0.1193%
Return on Equity (ROE)
-0.8861%
Non-Performing Loans Ratio (NPL)
3.36%
Total Assets
235,964,029
Total Amount of Shares and Deposits
204,127,657
Total Shares and Deposits < 1 Year
199,760,464
Total Shares and Deposits 1 3 Years
2,853,074
Total Shares and Deposits > 3 Years
1,514,119
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,656,320
Total Uninsured Shares and Deposits > $250K (F+J)
6,747,895
Total Insured Shares and Deposits > $250K (item 17 less item K)
197,379,762
Total Interest Expense (Sum of items 6 8)
1,016,803
Share Certificates
1,176
Number of Accounts for Share Drafts
6,127
IRA KEOGH Accounts
553
Number of Accounts for Regular Shares
17,449
All other shares
242
Non Member Deposits
1,280
Money Market Shares
156
Net Income (unless the amount is already included in Undivided Earnings)
-281,543
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)
8,670,097
Total Liabilities
205,133,155
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
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Frequently Asked Questions About The Atlantic Federal Credit UnionHow 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/. Compare to Other Credit Unions
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