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Rates

Rates effective as of April 23, 2018 and subject to change without notice.

Share Certificates

 

Share Certificates Minimum $500

Term APY Rate
3 Months 0.35% 0.35%
6 Months 0.45% 0.45%
1 Year 0.65% 0.65%
15 Months 0.65% 0.65%
18 Months 0.70% 0.70%
2 Year 1.00% 1.00%
3 Year 1.05% 1.05%
4 Year 2.25% 2.23%
5 Year 1.65% 1.64%
Share Certificates Promotions
13 Months 1.65% 1.64%
19 Months 1.85% 1.84%
37 Months 2.10% 2.08%

  • *APY=Annual Percentage Yield
  • Early withdrawal subject to penalty
  • Minimum Balance $500

Deposit Accounts

TypeAPY*Rate
Share Savings 0.10% 0.10%
Holiday Clubs 0.10% 0.10%
Vacation Clubs 0.10% 0.10%
IRA Basic Share:
Balance APY* RATE
$0-$99,999 .25% .25%
$100,000+ .35% .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 0.25% 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

IRA Certificates Minimum $500
Term APY Rate
6 Months 0.45% 0.45%
1 Year 0.65% 0.65%
18 Months 0.70% 0.70%
2 Year 1.00% 1.00%
3 Year 1.05% 1.05%
4 Year 2.25% 2.23%
5 Year 1.65% 1.64%
IRA Promotions
13 Months 1.65% 1.64%
19 Months 1.85% 1.84%
37 Months 2.10% 2.08%

  • *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 1.99%
3-4 years 2.24%
5-6 years ($15,000 minimum loan) 2.74%
7-8 years ($15,000 minimum loan) 2.99%
Specialty Vehicle Rates
Payment Period  New & Used Specialty Vehicles APR as Low as 
1-2 years 2.99%
3-4 years 3.99%
5-6 years ($15,000 minimum loan) 4.99
7-8 years ($15,000 minimum loan) 5.99

  • 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 3.75%
7 Year 4.50%
10 Year 5.25%
15 Year 5.75%
20 Year 5.99%
Home Equity Line of Credit

(Variable)

Currently 4.50%* (core rate 4.75%)
Interest-Only Home Equity Line of Credit

(Variable)

Currently 4.49%
First Lien Home Equity Fixed Rate**
5 Year 2.99%** (core rate of 3.49%)
10 Year 4.75%** (core rate of 5.25%)
15 Year 5.25%** (core rate of 5.75%)
20 Year 5.49%** (core rate of 5.99%)

  • *.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* 7.99%
Signature Loan* 7.99%
Unsecured Loan* 7.99%

  • *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

APR as low as:

 0-12 months

 7.99%

  • Additional rate reductions with Member Merits:
    • Premier level: .25% rate discount
    • Enhanced level: .125% rate discount