Savings

Savings Accounts

We make your savings goals achievable

Open An Account

Open A Savings Account

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New MemberCurrent Member
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

There’s more to saving than just for a rainy day.

Whatever you’re saving for – a wedding, college, car, holidays – our savings account options can help you get there faster. Declare your commitment to a saving and achieve it with help from AFFCU.

Select The Right Account

The scope of your savings goal, the dollar amount, and the time you have to achieve it, will all impact your decision on the right savings account needed to get you there.

Make It Personal

It’s proven that if you name your savings account according to its goal you’re more likely to stay committed to achieving it. When you open an account, edit the name in online banking.

Make it Automatic

Automation makes things happen easily. Set up your direct deposit to your AFFCU account and then create recurring automated funds transfers to your savings account. Move it before you can spend it.

Choose An Account To Achieve Your Savings Goals

  • Details

    Details

  • Monthly Service Fee

    Monthly Service Fee

  • Minimum Balance

    Minimum Balance

  • Dividends

    Dividends

  • Account Restrictions

    Account Restrictions

  • Federally Insured

    Federally Insured

Primary Share Savings Account

  • Details

    A basic interest earning savings account. A $5 balance establishes your membership at Atlantic Financial FCU.

  • Monthly Service Fee

    NO

  • Minimum Balance

    $5 minimum deposit to open and maintain membership

  • Dividends

    Competitive dividends paid on balances of $100 or more

    Earns 0.10% APY

  • Account Restrictions

    None

  • Federally Insured

    Yes, up to $250,000 per account

Money Market Account

  • Details

    A tiered, interest earning account that provides higher dividend earning opportunity without locking funds into a time-based share certificate account.

  • Monthly Service Fee

    No

  • Minimum Balance

    $500*

  • Dividends

    Tiered dividends earned on balances of $500 or more.

    Earn up to 1.00% APY

  • Account Restrictions

    Limit 6 in-person withdrawals or transactions per month

  • Federally Insured

    Yes, up to $250,000 per account

Club Savings Account

  • Details

    A secondary interest earning savings account that provides an easy and effective way to set up a separate account to help you achieve a specific savings goal.

  • Monthly Service Fee

    No

  • Minimum Balance

    None

  • Dividends

    Competitive dividends paid on balances of $100 or more

    Earn 0.10% APY

  • Account Restrictions

    None

  • Federally Insured

    Yes, up to $250,000 per account

Journey Savings Accounts

  • Details

    A great starter account for youth and young adults age newborn through 25 that are looking to establish basics of saving and start their journey towards financial independence

  • Monthly Service Fee

    No

  • Minimum Balance

    None

  • Dividends

    Higher dividend paid on balances up to $1500

    Earn 3.00%* APY

  • Account Restrictions

    Available to members age 25 and younger

  • Federally Insured

    Yes, up to $250,000 per account

Open Online

Primary Share Savings Account

This dividend-bearing savings account establishes your lifetime AFFCU membership. With this basic savings account, you’re able to deposit and withdraw funds at your convenience, while taking advantage of all that AFFCU has to support your financial well-being and life goals.

View Savings Rates

Money Market Account

Have your cake and eat it too with a versatile money market. With a Money Market Account you can retain access to your funds without sacrificing earning potential. You’ll earn a higher dividend rate on your savings without locking away funds in term share certificate account. Get the best of both worlds with our money market account.

View Money Market Rates

Club Savings Account

A club account is simply a secondary savings account. It’s an easy and effective way to set up a separate account to help you achieve a specific savings goal. Set aside for specific expenses or life goals such as a fun-filled family vacation, holiday expenses, wedding, college education, and more.

View Club Savings Rates

Journey Accounts

This savings account is for our members aged newborn through 25. It earns a higher rate than our Regular Share Savings and has no fees for inactivity. This account is great for developing both short-term and long-term savings needs of our youth and young adults.

Learn About Journey Accounts

Calculate How To Reach Your Goal

Savings Calculator

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Results

Each year, you will need to save: $____
Assumptions:

Before-tax return on savings (-12% to 12%)
Marginal tax bracket * (0% to 75%)

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Share Certificates

Looking for ways to save with greater guaranteed returns? A Share Certificate may be the right fit.

Learn More About Share Certificates and IRAs

Reliable Money Management Tips

Managing money and saving is a significant challenge. Check out this helpful article of the 7 Most Reliable Money Management Tips

Read the full article

Declare Your Commitment To Saving And Get Started

Contact us
Contact Us
Open account online
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Call us

(410) 584-7474

Disclosures

Some savings accounts are a variable-rate product, meaning that the rate may change after the account is opened. These accounts may be subject to maintenance or activity fees. Any fees assessed could reduce the earnings on the account.