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Rates

Rates effective as of January 23, 2019 and subject to change without notice.

Share Certificates

 

Share Certificates Specials

Term APY Rate

15 Months

Rate Riser

2.90% 2.86%
7 Months 2.15% 2.13%
19 Months 3.10% 3.05%
37 Months 3.35% 3.30%

Standard Share Certificates

3 Months 0.35% 0.35%
6 Months 0.45% 0.45%
1 Year 0.65% 0.65%
2 Year 1.00% 1.00%
3 Year 1.05% 1.05%
4 Year 2.50% 2.47%
5 Year 1.65% 1.64%

Deposit Accounts

TypeAPY*Rate
Share Savings 0.10% 0.10%
Holiday Clubs 0.10% 0.10%
Vacation Clubs 0.10% 0.10%
Basic IRA Share 0.35% 0.35%

  • *APY=Annual Percentage Yield. The APY assumes that dividends are left to compound monthly in the account.

Money Market

BalanceAPY*Rate
$0 - $24,999 0.15% 0.15%
$25,000 - $99,999 0.50% 0.50%
$100,000+ 0.90% 0.90%
  • *APY=Annual Percentage Yield. The APY assumes that dividends are left to compound monthly in the account.

IRA Certificates

IRA Certificates Minimum $500
Term APY Rate
6 Months 0.45% 0.45%
1 Year 0.65% 0.65%
2 Year 1.00% 1.00%
3 Year 1.05% 1.05%
4 Year 2.50% 2.47%
5 Year 1.65% 1.64%
IRA Promotions
19 Months 3.10% 3.05%
37 Months 3.35% 3.30%
  • *APY=Annual Percentage Yield
  • Early withdrawal subject to penalty
  • Minimum Balance $500

Vehicle Loans

Payment PeriodNew & Used Vehicles APR as Low as
1-2 years 3.24%
3-4 years 3.49%
5-6 years ($15,000 minimum loan) 3.99%
7-8 years ($15,000 minimum loan) 4.49%
Specialty Vehicle Rates
Payment Period  New & Used Specialty Vehicles APR as Low as 
1-2 years 4.24%
3-4 years 5.24%
5-6 years ($15,000 minimum loan) 6.24%
7-8 years ($15,000 minimum loan) 7.49%
  • 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

TypeRate
First Mortgage Get a Rate Quote
Second Mortgage Fixed Rate
5 Year 4.24%
7 Year 5.49%
10 Year 5.74%
15 Year 6.24%
20 Year 6.49%
Home Equity Line of Credit

(Variable)

Currently 5.25%* (core rate 5.50%)
Interest-Only Home Equity Line of Credit

(Variable)

Currently 5.24%
First Lien Home Equity Fixed Rate**
5 Year 3.74%** (core rate of 4.24%)
10 Year 5.24%** (core rate of 5.74%)
15 Year 5.74%** (core rate of 6.24%)
20 Year 5.99%** (core rate of 6.49%)
  • *.25% Direct Deposit and Auto-pay Discount.  Rate quoted is the lowest rate for qualified applicants. Other rates are available and may apply based on credit worthiness and loan to value.
  • **Additional rate discount of .50% may apply with Direct Deposit and Auto-pay.

Other Loans

TypeRate
Overdraft* 9.24%
Personal Loan* 9.24%
Specialty Loan*+ 9.24%

  • *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
  • + Specialty Loan Payment Period: 0-12 Months