Journey Accounts

Journey Accounts

Financial journeys thrive here

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Open A Journey Account

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Applying online is fast and easy.

Should you have any questions or need assistance, please reach out to us:

Phone: 410-584-7474

Email: [email protected]

Representatives available
Mon-Fri: 9AM-5PM

Journey To A Brighter Financial Future

We’ve made it easier for our youth and young adult members to build a savings foundation, faster. Available for members through age 25, a Journey Account is a free, high-interest savings account that helps you to jump start your financial journey by accelerating your savings potential.

High Interest Earnings

No Monthly Fees

No Minimum Balance

Free Online & Mobile Banking

Free Online Education Tools

Nationwide Access

Accelerate Your Savings

Establishing a strong financial foundation and understanding at a young age is key to being able to overcome the many financial obstacles the journey of life throws our way. AFFCU Journey Accounts are designed to help the children and young adults begin building that financial foundation by providing the tools to develop practical money skills.

Journey Savings Account

A high interest savings account designed to help you save more.

  • Earn 3% APY** on balances up to $1,500
  • Earn 0.50% APY** on the remaining balance over $1,500

Journey Accounts are available for youth and young adults from newborn through age 25.

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Journey Checking Account

When starting your financial independence a checking account is key to managing your money. Our Journey Rewards Checking account is designed to help young adults to start their financial journey.

  • Earn 1% cash back on debit card purchases up to $5001
  • Five (5) free ATM transactions per month2

Cash Back Rewards Qualifications: Earning your reward is simple. Just login to your online or mobile banking once per month

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Building Financial Knowledge

Financial Guidance

No financial journey is successful without the right knowledge and guidance. Understanding finances can be a challenge, but we offer free tools to help. From self-guided on-demand financial education courses through our free KOFE portal, to free financial coaching, seminars, and more, we’re here to help you succeed.

Learn more about our financial guidance support.

Additional Perks

Earn additional CU paid reward deposits throughout the year for excelling in school, extra circular activities, and other periodic account promotions.

Contact us to start a strong financial journey

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Open An Account
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(410) 584-7474


**APY is Annual Percentage Yield (APY). Rates are subject to change at any time. This is a variable-rate product, meaning that the rate may change after the account is opened. This account may be subject to maintenance or activity fees. Any fees assessed could reduce the earnings on the account.

1 Journey Checking Account Reward Information: When Journey Checking account qualifications are met during a monthly qualification period, you will receive 1.00% cash back on applicable AFFCU Visa debit card purchases (PIN-based and signature-based) on the first $500.00 spent, that post and settle to the account during the monthly statement period. A maximum of $5.00 cash back may be earned per monthly statement period. To qualify to earn the monthly Journey Checking cash back rewards, the member must be eligible for a Journey Account and login to online or mobile banking account at least one (1) time each month. Account transactions and activities may take one or more days to post and settle to the account and all must do so during the monthly qualification period in order to qualify for the account’s rewards.
The following activities do not count toward earning account rewards: ATM-processed transactions; transfers between accounts; debit card purchases processed by merchants and received by Atlantic Financial Federal Credit Union as ATM, PIN-based, or Bill Payment transactions; signature based transactions and purchases made with non-Atlantic Financial Federal Credit Union issued debit cards.
When Journey Checking qualifications are not met, no cash back payments are rewarded. Cash back payments will be credited to your Journey Checking account on the last day of statement cycle. “Monthly qualification period” means a period beginning on the first day of the calendar month through last day of the current calendar month. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Enrollment in and monthly access of online/mobile banking are conditions of the Journey Checking account. Enrollment in electronic services (e.g. online or mobile banking) and log-ons are required to meet some of the account’s qualifications. Limit 1 account per social security number. Rates, rewards, and qualification criteria are variable and may change after account is opened.

2 ATM Fee Information: Power Checking, PowerPlus Checking, and Journey Checking accounts are eligible to receive up to five (5) free foreign ATM transactions per month. A foreign transaction fee is a fee issued by Atlantic Financial when you use another financial institution’s or operator’s ATM (an ATM that is not an AFFCU or CO-OP Network ATM, or one of our local credit union partners ATMs). A surcharge-fee may be applicable, and the members responsibility to pay, if charged by the financial institution or ATM operator.