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Rates

Rates effective as of February 1, 2016 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 Months 0.15% 0.20% 0.25% 0.30%
6 Months 0.25% 0.30% 0.35% 0.40%
1 Year 0.45% 0.50% 0.55% 0.60%
15 Months 0.45% 0.50% 0.55% 0.60%
18 Months 0.50% 0.55% 0.60% 0.65%
2 Year 0.80% 0.85% 0.90% 0.95%
3 Year 0.85% 0.90% 0.95% 1.00%
4 Year 0.95% 1.00% 1.05% 1.10%
5 Year 1.25% 1.30% 1.35% 1.40%

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  • Early withdrawal subject to penalty.
  • Minimum Balance $250

Deposit Accounts

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

Money Market

BalanceAPY*Rate
$0 - $24,999 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

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 Months 0.25% 0.30% 0.35% 0.40%
1 Year 0.45% 0.50% 0.55% 0.60%
18 Months 0.50% 0.55% 0.60% 0.65%
2 Year 0.80% 0.85% 0.90% 0.95%
3 Year 0.85% 0.90% 0.95% 1.00%
4 Year 0.95% 1.00% 1.05% 1.10%
5 Year 1.25% 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 & Used Vehicles APR as Low as
0 - 35 months 1.99%
36 - 59 months 2.24%
60 - 83 months ($15,000 minimum loan) 2.99%
84 - 96 months ($15,000 minimum loan) 3.99%

  • 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

TypeRates
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 4.00%
Interest-Only Home Equity Line of Credit

(Varable)

Currently 2.99%
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%)
  • *Fixed rates after Direct Deposit and Auto-pay Discount (.25% for each)

Other Loans

TypeRate
Overdraft* 9.9%
Signature Loan* 9.9%
Shared Secured 3.6%
  • 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