Hand stopping domino effect

Member Economic Support

Ensuring your well-being in times of uncertainty.

Supporting Your Financial Well-Being Through The COVID-19 Epidemic

The past several months have been a struggle for many throughout our community. Individuals and families have had to grapple with unexpected hardships resulting from the Covid-19 pandemic. Despite the many challenges, Atlantic Financial Federal Credit Union has remained steadfast in helping our members persevere through these difficult times.

We remain true to our mission to enrich our members lives and deliver exceptional member experiences, especially in times of uncertainty. Our team here at AFFCU has remained strong and nimble, continuing to put our members first and doing our part to help ensure your financial well-being.


Member Assistance

We quickly adapted and implemented financial support efforts to help our members. To date, we’ve provided over $500,000 in emergency hardship loans, processed over 630 free skip-a-pay requests, and assisted members with over 160 loan adjustments.

Covid-19 Support Grant

The credit union established a Covid-19 Member Support Grant and recently awarded a total of $20,000. 100 recipients were selected and each awarded $200 each in no obligation funds.

Outreach & Education

We’ve delivered free financial counseling and education to help members adjust to current situations and be better prepared in the future. Our Certified Credit Union Financial Counselors (CCUFC) have amplified their financial wellness outreach, hosting over 40 online financial education seminars over the past few months.

View Our Member Support Inforgraphic

Member Support Grant

Through good times and times of challenge, AFFCU remains focused and committed on serving our members and helping to ensure your financial well-being. Throughout the COVID-19 pandemic our team looked to find new ways to support our members who are facing financial challenges.

This commitment included the development of our Covid-19 Member Support Grant. Through this, the credit union awarded a total of $20,000 in no-obligation support to our members.

Read the member support grant announcement

Financial Hardship Assistance

If you or your family are impacted by COVID-19, and need assistance with meeting the obligations of your current AFFCU loans, lines of credit, or credit cards, we encourage you to contact us. Our team can provide financial guidance and discuss potential solutions that may be available to you.

Request Assistance with your current AFFCU loan.

Request a Skip-A-Pay


Convenient Account Access Options

We remain open and ready to serve you. We encourage you to use AFFCU’s digital and self-service banking tools whenever possible.

  • Online & Mobile Banking. It’s a secure, free, and easy way to check your balances, transfer funds, make payments, and more, from your computer or mobile device 24 hours a day. With our mobile app, you can even electronically deposit checks. If you don’t have Online Banking you may request registration by following the link on the online banking login page or give us a call at 410-584-7474 and we’ll get you set up.
  • PAT (Phone Automated Transactions). Use our automated telephone banking system to complete transactions. If you’re not comfortable using Online Banking tools, “PAT” is also an option to check balances, transfer funds, and make loan payments. You can access this system by calling 410-584-7474 and selecting option 1.
  • ATMs. You may access an AFFCU ATM or any of the 30,000 surcharge-free CO-OP Network ATMs nationwide. You may use the ATM to withdraw cash, transfer funds, make loan payments, and make cash or check deposits where the service is available.
  • Call Us. Contact us by phone at 410-584-7474. A representative can handle almost any banking need by phone.
  • Visa Purchasing. For any purchase needs, your AFFCU Visa Debit and/or Credit Cards are accepted nearly everywhere, in-store and online.
  • Drive-Thru. If you need to visit the branch, the drive-thru remains open during normal business hours.

Safety And Security

The safety and security of our team and members is paramount. We are actively doing our part to slow the spread of this virus.

While we continue to operate normally with some slight modifications (branch lobby access)  we are taking extra precautions to keep our staff and members healthy. Most of our team is working remotely while still serving you. We have added hand sanitizing lotions in the branch, regularly reminding team members to wash their hands frequently, cleaning workstations and common areas frequently throughout the day, and more.

Member Security & Protection

While we have not been informed of any direct threats or attempts on our members or the general public, we remind everyone to stay vigilant in their daily activities to secure their personal information. Unfortunately, in every tragedy there are people who try to profit and prey on vulnerable times like these. Stay vigilant to protect yourself.

We remind you to never give your account information, account numbers, social security numbers, or passwords to anyone. WE WILL NOT, nor anyone from other financial institutions or government agencies, ever call or email you asking for confidential personal information or passwords. Do not share them.

Be aware of these Coronavirus related scams as shared by the FCC.

Follow these guidelines provided by the Cybersecurity and Infrastructure Security Agency (CISA) to exercise caution in handling any COVID-19-related communications.

Virtual Town Hall - Member Support Q&A

AFFCU hosted a virtual Town Hall event to provide updates on the credit unions COVID-19 response and how we’re supporting our members financial well-being. AFFCU leadership shared what we’ve been doing and answered members questions.

If you were unable to make it, we’ve made a recording of the event available.

View Recording

Additional Covid-19 Support

CARES Act Stimulus Payments

Find helpful information, resources, FAQ’s, and more regarding the CARES Act stimulus payments.

Visit our CARES Act stimulus information page

AFFCU Loan Payment Assistance

Get a temporary reprieve from your AFFCU loan payment with a Skip-A-Pay Request.

Submit a Skip-A-Pay request

We Remain Committed To Serve You. Contact Us For Further Support

Email Us
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Contact Us
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Call Us

(410) 584-7474


* APR = Annual Percentage Rate. Actual maximum loan amount will vary by member based on applicant’s credit score. Must be a member for at least 6-months at time of application. Member must be in good standing and not delinquent on any AFFCU loan for more than 30 days. Loan payments will be deferred and no interest will accrue for the first 90-days from loan open date. Can only have one Emergency Hardship loan open at any time