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Rates

Rates effective as of August 17, 2018 and subject to change without notice.

Share Certificates

 

Limited-Time Share Certificates Specials

Term APY Rate
15 Months 2.35% 2.33%
18 Months 2.50% 2.47%
37 Months 2.70% 2.67%

Special Term Share Certificates

13 Months 1.85% 1.84%
19 Months 2.10% 2.08%
25 Months 2.20% 2.18%

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%

 

  • *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%
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 0.25% 0.25%
$100,000+ 0.55% 0.55%

    

  • *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 2.50% 2.47%
5 Year 1.65% 1.64%
IRA Promotions
13 Months 1.85% 1.84%
19 Months 2.10% 2.08%
25 Months 2.20% 2.18%
37 Months 2.30% 2.28%

  • *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 2.74%
3-4 years 2.99%
5-6 years ($15,000 minimum loan) 3.49%
7-8 years ($15,000 minimum loan) 3.99%
Specialty Vehicle Rates
Payment Period  New & Used Specialty Vehicles APR as Low as 
1-2 years 3.74%
3-4 years 4.74%
5-6 years ($15,000 minimum loan) 5.74%
7-8 years ($15,000 minimum loan) 6.99%

     

  • 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 3.99%
7 Year 5.25%
10 Year 5.49%
15 Year 5.99%
20 Year 6.24%
Home Equity Line of Credit

(Variable)

Currently 4.75%* (core rate 5.00%)
Interest-Only Home Equity Line of Credit

(Variable)

Currently 4.74%
First Lien Home Equity Fixed Rate**
5 Year 3.49%** (core rate of 3.99%)
10 Year 4.99%** (core rate of 5.49%)
15 Year 5.49%** (core rate of 5.99%)
20 Year 5.74%** (core rate of 6.24%)

  

   

  • *.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* 8.74%
Signature Loan* 8.74%
Unsecured Loan* 8.74%

   

  • *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

8.74%

   

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