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.

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.

Membership Application

Become Part of Atlantic Financial Federal Credit Union

Thank you for choosing Atlantic Financial Federal Credit Union. Please complete the following application to begin your account opening process.

Membership Eligibility Notice

Please note that before we can open your account, a representative will reach out to review your AFFCU membership eligibility. AFFCU membership eligibility 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!

Atlantic Financial FCU Truth-In-Savings & Account Agreement Disclosure