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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 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.
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: April 17, 2026
The Atlantic Federal Credit Union's savings rates are at 3.50%. MonitorBankRates evaluates the financial stability of The Atlantic Federal Credit Union with a 4.6 Star Rating, an B Overall Health Grade, and a Texas Ratio of 19.74%. Rates were last updated on 04/17/2026. 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 Savings Rates
The Atlantic Federal Credit Union Checking Rates
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
4.6 / 5.0 ★
Overall Health & Safety Grade
B (86/100)
Texas Ratio
19.74%
Return on Assets (ROA)
0.0296%
Return on Equity (ROE)
0.2123%
Non-Performing Loans Ratio (NPL)
3.51%
Total Assets
243,332,557
Total Amount of Shares and Deposits
209,738,652
Total Shares and Deposits < 1 Year
206,227,074
Total Shares and Deposits 1 3 Years
2,763,466
Total Shares and Deposits > 3 Years
748,112
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
6,719,545
Total Uninsured Shares and Deposits > $250K (F+J)
6,816,038
Total Insured Shares and Deposits > $250K (item 17 less item K)
202,922,614
Total Interest Expense (Sum of items 6 8)
3,460,776
Share Certificates
1,174
Number of Accounts for Share Drafts
6,981
IRA KEOGH Accounts
952
Number of Accounts for Regular Shares
17,256
All other shares
269
Non Member Deposits
1,311
Money Market Shares
183
Net Income (unless the amount is already included in Undivided Earnings)
71,927
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
9,333,095
Total Liabilities
210,675,039
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About The Atlantic Federal Credit UnionIs The Atlantic Federal Credit Union a safe place to deposit money?Yes, The Atlantic Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 19.736964968051%, 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 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/. Current The Atlantic Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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