Who We Are

Who We Are

A dedicated partner committed to your well-being

A Distinct Difference With A Sincere Focus On You

What we do best is make you smile, make you feel comfortable, ease your financial stress, and empower you to do more.


Atlantic Financial operates to promote the well-being of our members. Profits made are returned back to you (our members) in the form of lower loan and mortgage rates, higher earnings on savings and checking accounts, fewer service fees, and member cash back rewards.


You are the center of it all.  AFFCU is owned and controlled by the people, you our members, who use our services. You have a vote that counts. A volunteer board of directors is made up of members, elected by members, who help oversee the path and stability of the credit union.


AFFCU’s cooperative structure creates a foundation of support toward a common goal of financial well-being for all. Together, we help members achieve their financial goals. When our members succeed, the credit union succeeds.


To enrich our members’ lives through consistent, exceptional member experiences.


To be our members’ financial institution of choice.


Our core guiding values define the STRONG foundation by which we operate and serve one another every day.

S – Service.   T – Trust.  R – Reliable.   O – Open-Minded.   N – Nimble.   G – Genuine.

Simply Said, We’re for you.

We’re Atlantic Financial Federal Credit Union. Sure, we’re like a bank or other financial institution, in that we offer checking, savings, credit cards, loans and more, but that’s where the similarities end.

We are a Credit Union – A Not-for-profit financial institution with a focus on and commitment to you! Our profits are returned to you, as a member, in the form of reduced fees, higher savings rates and lower loan rates, and more everyday rewards. We also provide comprehensive financial wellness services with personal attention and service.

We’re The Credit Union For You.

Read more about the benefits of membership.

Female banker sitting at desk talking with two female clients

The Credit Union Advantage

Credit Union (AFFCU)

  • Not-for-profit


  • Owned by the members

    Owned by the members

  • Focus on service and member well-being

    Focus on service and member well-being

  • Fewer and lower fees

    Fewer and lower fees

  • Higher earnings on deposits

    Higher earnings on deposits

  • Lower rates on loans

    Lower rates on loans


  • Not-for-profit

    For-profit business

  • Owned by the members

    Has customers and shareholders

  • Focus on service and member well-being

    Focus on maximizing profits and shareholder value

  • Fewer and lower fees

    More and higher fees

  • Higher earnings on deposits

    Low rates on deposits

  • Lower rates on loans

    Higher rates on loans

Join Us

We take pride in being different. A difference that puts you, a member, in the center of everything we do. Joining us to experience the difference is free and once you join you are a member for life.

We serve the financial needs of consumers throughout the greater Baltimore communities. AFFCU is open to anyone who lives, works, worships, volunteers, attends school, or has family in Baltimore County, Baltimore City, Carroll County, and Harford County, Maryland. There’s a good chance that includes you, so come join us!

Join Now

Color blocks arranged with Join Us message

Partner With Us

Partner with Atlantic Financial to add a free financial wellness benefit to your employee offerings.

Learn more about partnering with AFFCU.

Men sitting at desk shaking hands

You might also be interested in

Careers At AFFCU

Interested in being part of the credit union movement and making a difference in our members’ lives? Check out our career openings.

View our current openings.

Get Involved With Us

Want to help influence the future of the credit union and continue to make a difference in our members’ lives? Consider volunteering as a member of our board of directors or committees.

Learn more and view volunteer opportunities.

Become A Member And Achieve More

Contact Us
Contact Us
Join Online
Get Started
Call Us

(410) 584-7474