Member Merits | Atlantic Federal Credit Union
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Member Merits

Member Merits is how we give back to our members who actively support the credit union. Enjoy increasing levels of rewards based on your combined deposit and/or loan accounts and your use of direct deposit.

The stronger your relationship with Atlantic Federal, the more you'll be rewarded with things like discounts, lower loan rates and more.


  • All Atlantic Federal Credit Union members are automatically part of the Member Merits program
  • Enjoy increasing levels of rewards based on
  • Combined deposits and/or loan balances
  • Use of direct deposit
  • Rewards include lower loan rates and other discounted or free services
  • Member levels are as follows:
  • Premier — direct deposit and combined deposit and/or loan balances of $25,000 or more
  • Enhanced — direct deposit and combined deposit and/or loan balances between $2,500 and $24,999.999
  • Value — combined deposit and loan balances of less than $2,500 and / or no direct deposit

View our Member Merits Benefits & Fee Schedule!

To find out more on how you can maximize your rewards, e-mail us at or call us at 1-800-222-1329. We want you to get the most from your Atlantic Federal Credit Union membership!

  • I am writing today to commend Lynn and express my gratitude for the high quality customer service she always provides whenever I call the Credit Union.  She is professional, courteous and patient.  I can feel her smile each and every time we talk on the phone.

  • I recently had an emergency and needed a Home Equity loan quickly.  My initial contact was with Aida and the loan was finalized by Sabrina.  This was a very stressful time for me and both of these women were professional, patient, knowledgeable and considerate. They answered all of my questions, explained the various options as well as the process.  They are an asset to the Credit Union.