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.

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Apply Online

Open A Checking Account

New members, please follow the link below to the Freedom FCU website to learn more about your checking account options and open your account online.

Current AFFCU members may continue to open their account on the AFFCU site.

New MemberCurrent Member
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

Calculators

How long will it take to pay off my credit card?

Results

Years to pay off ___ years
(__ payments)
Total interest $___

What would my loan payments be?

  • Please enter a number from 0 to 40.
  • Please enter a number from 1 to 360.

Results

Monthly Payment $____

Mortgage Calculator

  • Please enter a number from 1 to 480.
  • Please enter a number from 0 to 40.
  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.

Results

Monthly Payment $____
Principal and Interest $____
Property Tax* $____
Home Insurance* $____
Mortgage Insurance* $____

Home Equity Calculator

  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number from 1 to 90.

Results

You may qualify for: $____

IRA Eligibility Calculator

  • Please enter a number greater than or equal to 0.

  • Do you participate in a retirement plan at work?

  • Please enter a number from 1 to 120.
  • Please enter a number from 1 to 120.

Results

Non-deductible Traditional IRA

  • You
  • Spouse

Deductible Traditional IRA

  • You
  • Spouse

Roth IRA

  • You
  • Spouse

Savings Calculator

  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number from 1 to 10.
  • Please enter a number from 1 to 120.

Results

Each year, you will need to save: $____
Assumptions:

Before-tax return on savings (-12% to 12%)
Marginal tax bracket * (0% to 75%)

Certificate Calculator

  • Please enter a number greater than or equal to 0.
  • Please enter a number from 1 to 144.
  • Please enter a number from 0 to 10.

Results

Your ending balance will be $____

after ____ months

Assumptions:

Dividend compounding frequency: Monthly
Marginal tax bracket (0% to 75%): 25%

Auto Loan Calculator

  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number from 1 to 360.
  • Please enter a number from 1 to 10.

Results

Monthly Payment $____

Should I refinance my auto loan at a lower rate?

  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number from 0 to 40.
  • Please enter a number from 1 to 10.

Results

New Monthly Payment $____

How much do I need for emergencies?

  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number greater than or equal to 0.
  • Please enter a number from 1 to 360.
  • Please enter a number from -12 to 12.
  • Please enter a number less than or equal to 75.
  • Please enter a number from 1 to 360.

Results

Savings per month $____

during ____ months