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Don’t be a stranger. Become a member by opening an account online today.


We’re all about YOU!

Our mission is to serve and enrich our members’ lives. Your financial well-being is our #1 priority.

Competitive rate, lower fees.

Instead of lining the pockets of shareholders, our profits are returned to you in the form of fewer fees, higher rates on deposits, and lower rates on loans.

Exceptional Service & Support

Our Google reviews say it all: Always there for me, exceptional customer service, you are treated like family, truly helpful, just awesome. Should we go on?

Access, Ease and Convenience

With mobile banking, online banking, 55,000 fee-free ATMs, and about 5,600 shared branching locations nationwide, you can bank any time,

Betty S: “I feel I truly matter.”

Watch to learn what makes Atlantic Financial Federal Credit Union different.

Who can join

We serve the financial needs of consumers throughout the greater Baltimore communities. AFFCU 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!

Join Now

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Member benefits

Low loan rates. High APY checking. Low (or no fees). Awesome rewards.But wait, there’s more!

Free seminars

We love visiting workplaces to teach free financial seminars. We’ll even bring lunch!

Fee-free ATMs available nationwide

Access to over 30,000 fee-free ATMs nationwide through the CO-OP Network.

5,600 branches

With our shared branching network, you have access to 5,600 branches nationwide.

Member bonuses

When we perform well financially, we reward our members with a year-end dividend bonus.

Free AD&D coverage

All members are eligible to enroll for $1,000 no-cost TruStage® Accidental Death & Dismemberment Insurance.

Skip a loan payment

Need a little extra cash in your pocket? You can skip up to two monthly loan payments per year.

Why a credit union?





  • type of organization

    type of organization

  • governance


  • focus


  • federal insurance

    federal insurance



    Fewer fees, lower rates


    Anyone in field of membership

  • type of organization

    Not-for-Profit Cooperative

  • governance

    Member Owned

  • focus

    Giving back to our members

  • federal insurance

    NCUA Insured (250K)



    More fees, higher rates


    No eligibility criteria based on location or employer

  • type of organization

    For-Profit Corporation

  • governance

    Shareholder Owned

  • focus

    Increasing shareholder earnings

  • federal insurance

    FDIC Insured (250K)

Membership eligibility FAQs

Family member is defined as spouses, children, sisters, brothers, grandparents, step-relatives, and adoptive children of people employed or volunteering at an approved Select Employee Group (SEG) affiliated with AFFCU. Partners living within the same household sharing in the economic responsibilities of that household are also eligible to join.

If you are a volunteer/donor of our affiliated SEG associations, by making a qualifying donation to either: Leukemia & Lymphoma Society of Maryland, Komen Maryland, or United Way of Central Maryland. Qualifying donation must be made through AFFCU and provided prior to or at account opening. An online donation can be made to AFFCU’s Light The Night team page benefiting the Leukemia & Lymphoma Society

You are eligible by making a donation to one of our qualified SEG groups.

If you are interested in having your company become an employer partner of Atlantic Financial Federal Credit Union you may contact us to learn more or visit our Resources For Employers page to learn more.

No. Once a member, you are a member for life. Once you join Atlantic Financial Federal Credit Union your membership remains intact regardless of any employer changes.

AFFCU has been wonderful from the moment I signed up. I don’t just feel like a number. I truly believe AFFCU cares about each one of their customers. Thank you for all that you do!

— Chelsea D.

You might also be interested in

Company Membership

Are you a local employer looking to provide an effortless, cost-effective benefit to your employees? Enhance your employee benefits package at no cost to your organization.

Become a Membership Partner

Volunteer Opportunities

As a member-owner, you have the opportunity to help guide Atlantic Financial FCU’s success by joining the Board of Directors or Supervisory Committee.

Become a Member Volunteer

Become a member

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(410) 584-7474