Rates

Rates effective as of June 26, 2014, and subject to change without notice.


Certificates Of Deposit

  • APY=Annual Percentage Yield.
  • Term$250 - $9,999$10,000 - $49,999$50,000 - $99,999$100,000+
    3 Months0.15%0.20%0.25%0.30%
    6 Months0.25%0.30%0.35%0.40%
    1 Year0.45%0.50%0.55%0.60%
    15 Months0.45%0.50%0.55%0.60%
    18 Months0.50%0.55%0.60%0.65%
    2 Year0.80%0.85%0.90%0.95%
    3 Year0.85%0.90%0.95%1.00%
    4 Year0.95%1.00%1.05%1.10%
    5 Year1.25%1.30%1.35%1.40%
    • Early withdrawal subject to penalty.
    • Minimum Balance $250

    Deposit Accounts

    TypeAPY*Rate
    Share Savings0.10%0.10%
    Holiday Clubs0.10%0.10%
    Vacation Clubs0.10%0.10%
    • *APY=Annual Percentage Yield. The APY assumes that dividends are left to compound monthly in the account.

    Money Market

    BalanceAPY*Rate
    $0 - $24,9990.15%0.15%
    $25,000 - $99,9990.25%0.25%
    $100,000+0.30%0.30%
    • *APY=Annual Percentage Yield. The APY assumes that dividends are left to compound monthly in the account.

    IRA Certificates

    APY = Annual Percentage Yield

    Term$250 - $9,999$10,000 - $49,999$50,000 - $99,999$100,000+
    Basic IRA*0.15%0.20%0.25%0.30%
    6 Months0.25%0.30%0.35%0.40%
    1 Year0.45%0.50%0.55%0.60%
    15 Months0.45%0.50%0.55%0.60%
    18 Months0.50%0.55%0.60%0.65%
    2 Year0.80%0.85%0.90%0.95%
    3 Year0.85%0.90%0.95%1.00%
    4 Year0.95%1.00%1.05%1.10%
    5 Year1.25%1.30%1.35%1.40%
    • *No minimum balance or term requirement for Basic IRA
    • Early withdrawal subject to penalty.
    • Minimum Balance $250

    Vehicle Loans

    Payment PeriodNew Vehicles

    APR as Low as

    Used Vehicles

    APR as Low as

    1 - 3 Years2.24%3.25%
    4 - 5 Years2.24%3.75%
    6 - 7 Years ( $15,000 minimum loan)4.50%4.75%
    • APR=Annual Percentage Rate
    • Rates quoted are the lowest rates for qualified applicants. Other rates are available & may apply based on credit worthiness criteria. Atlantic Federal vehicle loans not eligible for refinancing.
    • Additional rate reductions with Member Merits:
    • Premier level: .25% rate discount
    • Enhanced level: .125% rate discount

    Real Estate Loans

    TypeRates
    First MortgageGet a Rate Quote
    Second MortgageFixed Rate
    5 Year3.75%
    7 Year4.50%
    10 Year5.25%
    15 Year5.75%
    20 Year5.99%
    Home Equity Line of Credit

    (Variable)

    Currently 4.00%
    Interest-Only Home Equity Line of Credit

    (Varable)

    Currently 2.99%
    First Lien Home EquityFixed Rate*
    5 Year2.99%* (core rate of 3.49%)
    10 Year4.75%* (core rate of 5.25%)
    15 Year5.25%* (core rate of 5.75%)
    20 Year5.49%* (core rate of 5.99%)
    • *Fixed rates after Direct Deposit and Auto-pay Discount (.25% for each)

    Other Loans

    TypeRate
    Overdraft*9.9%
    Signature Loan*9.9%
    Shared Secured3.6%
    • APR=Annual Percentage Rate
    • *Rates quoted are the lowest rates for qualified applicants. Other rates are available & may apply based on credit worthiness criteria.
    • Additional rate reductions with Member Merits:
    • Premier level: .25% rate discount
    • Enhanced level: .125% rate discount