What are the current interest rates at The Atlantic Federal Credit Union?

Current rates for The Atlantic Federal Credit Union include: 12-Month CD: 0.50%, 24-Month CD: 0.60%, 60-Month CD: 1.00%, Savings: 3.50%

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The Atlantic Federal Credit Union

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The Atlantic Federal Credit Union Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 12, 2026

The Atlantic Federal Credit Union's top rates as of October 12, 2026 are 4.16% APY on its 13 Month ULTRA CD, 3.50% APY on savings, 4.00% APY on checking, and personal loans from 14.50% APR, according to rates verified by MonitorBankRates. Other The Atlantic Federal Credit Union CD rates include 25 Month ULTRA CD at 4.16%, 13 Month CD at 4.05%, and 25 Month CD at 4.05%. 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 10/12/2026.

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.

Overall Health & Safety Grade

B+

Good Health Score: 87/100

MonitorBankRates Rating

4.7

Excellent Out of 5.0 Stars

Texas Ratio

18.92%

Good Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

The Atlantic Federal Credit Union
Atlantic Federal Credit Union

2 Edison Pl
Springfield, NJ 07081

https://web.atlfedcu.com/

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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

Product	Rate	APY	Term
13 Month ULTRA Share Certificate	4.08%	4.16%	13 Month
Min Deposit $100,000 Details ULTRA; Special term; renews into the closest available standard term at maturity Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.16% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
25 Month ULTRA Share Certificate	4.08%	4.16%	25 Month
Min Deposit $100,000 Details ULTRA; Special term; renews into the closest available standard term at maturity Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.16% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
13 Month Share Certificate	3.98%	4.05%	13 Month
Min Deposit $500 Details Special term; renews into the closest available standard term at maturity Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.05% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
25 Month Share Certificate	3.98%	4.05%	25 Month
Min Deposit $500 Details Special term; renews into the closest available standard term at maturity Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 4.05% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
6 Month ULTRA Share Certificate	3.85%	3.92%	6 Month
Min Deposit $100,000 Details ULTRA Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.92% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
7 Month Share Certificate	3.85%	3.92%	7 Month
Min Deposit $500 Details Special term; renews into the closest available standard term at maturity Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.92% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
3 Month ULTRA Share Certificate	3.44%	3.50%	3 Month
Min Deposit $100,000 Details ULTRA Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.50% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
6 Month Share Certificate	3.20%	3.25%	6 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.25% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
IRA Certificates - 25 Month	3.20%	3.25%	25 Month
Min Deposit $500 Details $500 minimum to open Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.25% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
3 Month Share Certificate	2.96%	3.00%	3 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 3.00% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
IRA Certificates - 6 Month	2.96%	3.00%	6 Month
Min Deposit $500 Details $500 minimum to open Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.00% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
IRA Certificates - 13 Month	2.72%	2.75%	13 Month
Min Deposit $500 Details $500 minimum to open Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.75% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
48 Month Share Certificate	1.00%	1.00%	48 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
60 Month Share Certificate	1.00%	1.00%	60 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 1.00% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
IRA Certificates - 48 Month	1.00%	1.00%	48 Month
Min Deposit $500 Details $500 minimum to open Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
IRA Certificates - 60 Month	1.00%	1.00%	60 Month
Min Deposit $500 Details $500 minimum to open Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.00% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
36 Month Share Certificate	0.80%	0.80%	36 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.80% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
IRA Certificates - 36 Month	0.80%	0.80%	36 Month
Min Deposit $500 Details $500 minimum to open Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.80% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
24 Month Share Certificate	0.60%	0.60%	24 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.60% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
IRA Certificates - 24 Month	0.60%	0.60%	24 Month
Min Deposit $500 Details $500 minimum to open Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.60% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
12 Month Share Certificate	0.50%	0.50%	12 Month
Min Deposit $500 Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 0.50% APY · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
IRA Certificates - 12 Month	0.50%	0.50%	12 Month
Min Deposit $500 Details $500 minimum to open Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%

The Atlantic Federal Credit Union Savings Rates

Product	Rate	APY
Ultra Savings	3.44%	3.50%
Min Balance $0 Details Balance: $0 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Ultra Savings	3.44%	3.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Ultra Savings	3.44%	3.50%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Ultra Savings	3.44%	3.50%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Kickstart Savings	3.01%	3.05%
Min Balance $7,500 Details Balance: $7,500.00 - $9,999.99; Blended APY; $100 minimum daily balance to avoid $10 monthly maintenance fee Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.05% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Kickstart Savings	3.01%	3.05%
Min Balance $0 Details Balance: $0 - $2,499.99; Blended APY; $100 minimum daily balance to avoid $10 monthly maintenance fee Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.05% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Kickstart Savings	3.01%	3.05%
Min Balance $2,500 Details Balance: $2,500.00 - $4,999.99; Blended APY; $100 minimum daily balance to avoid $10 monthly maintenance fee Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.05% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Kickstart Savings	3.01%	3.05%
Min Balance $5,000 Details Balance: $5,000.00 - $7,499.99; Blended APY; $100 minimum daily balance to avoid $10 monthly maintenance fee Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 3.05% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Smart Savings	2.47%	2.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Smart Savings	2.47%	2.50%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Smart Savings	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Smart Savings	2.47%	2.50%
Min Balance $250,000 Details Balance: $250,000.00 and above Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 2.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Smart Savings	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.50% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Share Savings	0.01%	0.01%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Smart Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 0.01% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%

The Atlantic Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Ultra Savings	3.44%	3.50%
Min Balance $0 Details Balance: $0 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Business Ultra Savings	3.44%	3.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Business Ultra Savings	3.44%	3.50%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Business Ultra Savings	3.44%	3.50%
Min Balance $500,000 Details Balance: $500,000.00 - $999,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 3.50% APY · checked 3 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Business Smart Savings	2.47%	2.50%
Min Balance $25,000 Details Balance: $25,000.00 - $49,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 3 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Business Smart Savings	2.47%	2.50%
Min Balance $50,000 Details Balance: $50,000.00 - $99,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 3 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Business Smart Savings	2.47%	2.50%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 3 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Business Smart Savings	2.47%	2.50%
Min Balance $250,000 Details Balance: $250,000.00 and above Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 2.50% APY · checked 3 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Business Smart Savings	0.50%	0.50%
Min Balance $10,000 Details Balance: $10,000.00 - $24,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.50% APY · checked 3 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Business Smart Savings	0.01%	0.01%
Min Balance $0 Details Balance: $0 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Oct 4, 2026 · 0.01% APY · checked 3 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%

The Atlantic Federal Credit Union Checking Rates

Product	Rate	APY
Ultra Checking	3.93%	4.00%
Min Balance $0 Details Balance: $0 - $999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Ultra Checking	3.93%	4.00%
Min Balance $1,000 Details Balance: $1,000.00 - $4,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Ultra Checking	3.93%	4.00%
Min Balance $5,000 Details Balance: $5,000.00 - $9,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Ultra Checking	3.93%	4.00%
Min Balance $10,000 Details Balance: $10,000.00 - $14,999.99 Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 4.00% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Advocate Checking	1.24%	1.25%
No additional details. Last Updated 10/12/2026 Rate History No change since Sep 25, 2026 · 1.25% APY · checked 4 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%

The Atlantic Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity Line of Credit (Variable)	-	-	6.50%
Details As Low As; Variable rate based on the Prime Rate plus or minus a margin ranging from -0.50% to 4.00%; floor rate 3.50%, ceiling rate 18.00%; maximum CLTV 100%; maximum loan amount $250,000 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.25% → 6.50% ▲ 0.25 pts · high 6.50% / low 6.25% Sep 25, 20266.50%▲ from 6.25% Sep 16, 20266.25%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%

The Atlantic Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Lease-Like Auto Loan	-	-	5.69%	Up to 36 Months
Details As Low As; New Auto; Minimum loan amount of $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 4.89% → 5.69% ▲ 0.80 pts · high 5.69% / low 4.89% Oct 4, 20265.69%▲ from 4.89% Sep 16, 20264.89%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
New Auto Loan	-	-	5.79%	Up to 48 Months
Details As Low As; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.09% → 5.79% ▲ 0.70 pts · high 5.79% / low 5.09% Oct 4, 20265.79%▲ from 5.09% Sep 16, 20265.09%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Lease-Like Auto Loan	-	-	6.09%	37 - 48 Months
Details As Low As; New Auto; Minimum loan amount of $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.24% → 6.09% ▲ 0.85 pts · high 6.09% / low 5.24% Oct 4, 20266.09%▲ from 5.24% Sep 16, 20265.24%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
New Auto Loan	-	-	6.29%	49 - 72 Months
Details As Low As; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.29% → 6.29% ▲ 1.00 pts · high 6.29% / low 5.29% Oct 4, 20266.29%▲ from 5.29% Sep 16, 20265.29%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Used Auto Loan	-	-	6.39%	Up to 48 Months
Details As Low As; Financing available for vehicles up to the previous nine model years Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.39% → 6.39% ▲ 1.00 pts · high 6.39% / low 5.39% Oct 4, 20266.39%▲ from 5.39% Sep 16, 20265.39%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Used Auto Loan	-	-	6.49%	49 - 72 Months
Details As Low As; Financing available for vehicles up to the previous nine model years Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.49% → 6.49% ▲ 1.00 pts · high 6.49% / low 5.49% Oct 4, 20266.49%▲ from 5.49% Sep 16, 20265.49%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Lease-Like Auto Loan	-	-	6.89%	49 - 60 Months
Details As Low As; New Auto; Minimum loan amount of $10,000 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 5.99% → 6.89% ▲ 0.90 pts · high 6.89% / low 5.99% Oct 4, 20266.89%▲ from 5.99% Sep 16, 20265.99%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
New Auto Loan	-	-	7.39%	73 - 84 Months
Details As Low As; Rates effective as of 10/12/2026 Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.39% → 7.39% ▲ 1.00 pts · high 7.39% / low 6.39% Oct 4, 20267.39%▲ from 6.39% Sep 16, 20266.39%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
Used Auto Loan	-	-	7.79%	73 - 84 Months
Details As Low As; Financing available for vehicles up to the previous nine model years Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 6.79% → 7.79% ▲ 1.00 pts · high 7.79% / low 6.79% Oct 4, 20267.79%▲ from 6.79% Sep 16, 20266.79%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%

The Atlantic Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Motorcycle Loan	-	12.00%	Up to 60 Months
Details As Low As; New & Used Motorcycle Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 10.00% → 12.00% ▲ 2.00 pts · high 12.00% / low 10.00% Oct 4, 202612.00%▲ from 10.00% Sep 16, 202610.00%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
RV/Marine Loan	-	12.00%	Up to 72 months
Details As Low As; New & Used Specialty Vehicles Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 12.00% APR · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%
RV/Marine Loan	-	14.00%	73 - 84 months
Details As Low As; New & Used Specialty Vehicles Last Updated 10/12/2026 Rate History No change since Oct 8, 2026 · 14.00% APR · checked 2 times Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%

The Atlantic Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	14.50%	12 months
Details As Low As; Payment example term 12 months Last Updated 10/12/2026 Rate History 1 change since Sep 16, 2026 · 13.50% → 14.50% ▲ 1.00 pts · high 14.50% / low 13.50% Oct 4, 202614.50%▲ from 13.50% Sep 16, 202613.50%first recorded Institution Ratings 4.7 Star Rating B+ Health Grade ◈ Texas Ratio: 18.92%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

The 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$235M	18.92%	4.7	B+
March 31, 2026	$236M	18.23%	4.7	B+
December 31, 2025	$240M	28.64%	3.9	C
September 30, 2025	$243M	18.64%	4.7	B+
June 30, 2025	$243M	7.76%	5.0	A
March 31, 2025	$246M	8.09%	5.0	A
December 31, 2024	$248M	8.48%	5.0	A
September 30, 2024	$248M	7.44%	5.0	A
June 30, 2024	$246M	7.42%	5.0	A
March 31, 2024	$260M	7.13%	5.0	A
December 31, 2023	$244M	7.83%	5.0	A
September 30, 2023	$247M	8.06%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

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Frequently Asked Questions About The Atlantic Federal Credit Union

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

12-Month CD0.50%
24-Month CD0.60%
60-Month CD1.00%
Savings3.50%

Retrieved from our database of financial products. Rates subject to change.

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The Atlantic Federal Credit Union Rates & Review October 2026

Brian McKay

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Frequently Asked Questions About The Atlantic Federal Credit Union

How many branches does The Atlantic Federal Credit Union operate?

Is a member application needed to join The Atlantic Federal Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does The Atlantic Federal Credit Union offer online and mobile banking?

Current The Atlantic Federal Credit Union Rates

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