Alert: Please DO NOT DESTROY your AFFCU debit card. Continue to use it through December 30, 2025. Please click here for more information about the debit card transition.

Holiday Closure: All branches and call center will be closed beginning at 1pm on Wednesday, December 24th and will not reopen until normal business hours on Friday, December 26th. You will still be able to access your account information via online and mobile banking.

Click here for the latest information regarding the merger with Freedom FCU.

Starting December 31, 2025, the Atlantic Financial FCU website will no longer be available and all visitors to this website will automatically redirect to the Freedom Federal Credit Union homepage.

Visa Credit Card

Visa Credit Card

Learn About Credit Card Options from Freedom Federal Credit Union

Apply Now

Apply for a Freedom FCU Credit Card

Please follow the link below to the Freedom FCU website to learn more about your credit card options and apply online.

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

As part of the merger with Freedom Federal Credit Union,
AFFCU is excited to offer our members access to the full suite of Freedom Credit Cards!

Whether you’re interested in earning rewards, building credit, or enjoying exclusive perks, Freedom Federal Credit Union offers a credit card that is perfect for you.

To learn more about the Freedom Credit Card options available to AFFCU members, visit the Freedom site by clicking the link below to learn more. When you’re ready to apply, you’ll be able to complete your application with Freedom directly!

Looking to increase your credit limit on your existing AFFCU Credit Card?

Request a credit limit increase by clicking the link below.
Request a Credit Limit Increase

Disclosures

Atlantic Financial is a vision of Freedom Federal Credit Union.

For Current AFFCU cardholders: Important information regarding your rates, fees and other cost information can be found on the Visa Application and Solicitation Disclosure and Consumer Credit Card Agreement.

Cardholder Agreement for Pre-Authorized Credit Card Payment 

Credit/Debit Cardholder Dispute Form