It’s our privilege to provide HMS Insurance Associates employees the opportunity to join the AFFCU family. We’re committed to providing exceptional member experiences that revolve around you. Our priority is to help every member succeed throughout their financial journeys, helping them thrive and live financially healthy lives. We’re committed to your financial well-being.
We exist to make your personal banking experience exceptional. At AFFCU, we will never treat you like a number. If you succeed, we succeed.
We offer a wide array of financial products to get you where you want to go. Our low rates and flexible terms are designed to give you access to the affordable financing you need.
Savings & Rewards
We believe in helping you save and earn more. Through our low rate financing, higher rate savings accounts, rewards checking accounts, minimal fees, and annual rewards programs, we strive to keep more money in your hands.
Join Atlantic Financial FCU
We are here for the employees and family members of those who work at HMS Insurance Associates.
You are eligible to join AFFCU if:
- You are an employee of HMS Insurance Associates
- You are a family member of someone employed at HMS Insurance Associates
- You live, work, worship, volunteer, attend school in, have family in, or do business in Baltimore County, Baltimore City, Carroll County, and Harford County.
"Make my dreams a reality"
AFFCU had made it possible for me to make my dreams a reality. When most places would shy away from people who had a bit of a difficult financial past and are looking to improve, AFFCU gave me the trust to do so and they have improved my financial situation greatly. Love this credit union. Thank you and grateful to be a member!
– Kaitlyn W.More Member Stories
Power Rewards Checking
Our checking accounts are like no other. They provide you the opportunity to earn monthly cash rewards. There are no minimum balance requirements, monthly restrictions, or penalties.
Choose the reward that’s best for you:
- Earn 2.00% cash back on debit card purchases* or
- Earn 3.00% APY* on balances up to $12,000**
Digital Banking - We're Always Open
Our Online and Mobile Banking tools simplify your everyday banking and money management.
- View account balances, activity, and transaction details
- Transfer funds between your accounts
- Pay bills, view payment history, and more
- Deposit checks with your phone
- Create a 360-degree profile of your finances
- Access to your monthly statements
Affordable Auto Financing
Ride in style and take advantage of rates as low as 5.49% APR* and flexible terms between 36-84 months. Take advantage of the same low rates whether buying a new vehicle, pre-owned vehicle, or refinancing an existing auto loan.Learn More
Rewards Credit Card That Doesn't Hurt Your Wallet
Earn 1.5% cash back on every dollar spent with a VISA Platinum Rewards Credit Card. Earn cash back on every purchase, every time. No purchase or reward limits, no category restrictions, and no annual fee. It’s time to upgrade what you have in your wallet.Review Card Options
Financial Guidance and Support Tools
Everyone’s financial journey is unique. Sometimes support is needed to ensure you’re on the right path. That’s why we provide HMS Insurance Associates employees with free access to our financial guidance resources. From online courses, articles, and guides, virtual and on-site educational seminars, to credit counseling and support, our KOFE portal resources are available to support your financial well-being.