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History & Mission

Originally chartered April 1, 1950, as Baltimore Telephone Federal Credit Union, a few things have changed since our very first days. Obviously our named has changed to Atlantic Financial Federal Credit Union and we've added on a few branches as our field of membership has expanded.

However, the most fundamental aspects have not and will never change. We've always been a non-profit, full-service financial organization that serves various employee groups and their family members listed in the Baltimore area. Another thing that will always remain the same — our commitment to our strategic vision and mission…

Our Strategic Vision

To be our members' financial institution of choice.

Our Mission

To enrich our members' lives through consistent, exceptional service.

CORE Values







Benefits You Can Bank On

As a not-for-profit institution, you as a member and partial credit union owner are at the center of everything we do. Rather than pocket profits, they're returned to you in the form of higher rates on deposits, lower rates on loans, and convenient, budget-friendly account management tools. When excess profits exist at year-end, a bonus dividend is declared and deposited into members' accounts.

Value-Added Services

  • Kasasa® - Reward yourself with free checking and savings, plus perks. On top of no monthly service fee and refunds on ATM fees nationwide*, Kasasa checking accounts offer different perks like really high dividends, cash back, and even money for music, movies, apps and more! Plus, Kasasa Saver® provides an innovative way to save money while also saving time and effort.
  • Customized Lending – Your goals, our priority. When it comes to securing financing for our members' varied needs, we go above and beyond to customize budget-friendly financing that uniquely works for the individual.
  • Time-Saving Services – Your time is valuable. We understand that. So we offer several convenient money management tools that make the most of it, while providing you anytime access to your money.
  • Discounted Insurance – It's important to us that our members enjoy not only convenience, but also peace of mind. That's why we offer a wide range of coverage for the different aspects of our members' financial lives.
  • NCUSIF-Level Government Backing – All Atlantic Financial FCU deposits are insured by the strongest insurance fund backed by the federal government (NCUSIF - National Credit Union Share Insurance Fund).

Welcome To a Banking Experience That Revolves Around You

Rather than become just another bank customer, we invite you to become a member and partial owner of Atlantic Financial Federal Credit Union. We commit to offering you unparalleled, one-on-one service, backed by offerings that aim to provide solutions for your evolving needs.