Rates & Fees | Atlantic Financial FCU | Baltimore, MD - Hunt Valley, MD

Rates & Fees

Rates effective as of 5/1/2017.

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Fees may reduce earnings.

Checking and Savings

Free Kasasa Cash*

BalanceRateAPY
$0 - $10,0002.47%2.50%
$10,000+0.25%2.50% to 0.45%
All balances if qualifications not met0.05%0.05%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking
Back to Top

Free Kasasa Saver*

BalanceRateAPY
$0 - $10,0000.50%0.50%
$10,000+0.25%0.50% to 0.27%
All balances if qualifications not met0.05%0.05%

To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least 12 debit card purchases post and settle
  • Be enrolled and receive eStatement notice
  • Be enrolled and log into online banking
Back to Top

Savings Rates

Account TypeInterest RateAnnual Percentage YieldCompounded & PaidMinimum Deposit
Share Savings Account*0.15% 0.15%Monthly$5
Club Savings Account* 0.15% 0.15%Monthly$0
Health Savings Account* 0.50%0.50%Monthly$0
Money Market Account*

Balances of $1 - $14,999.99

0.25%0.25%Monthly$500
Money Market Account*

Balances of $15,000 - $39,999.99

0.30%0.30%Monthly$15,000
Money Market Account*

Balances of $40,000 and over

0.35%0.35%Monthly$40,000
Easy Way IRA0.25%0.25%Monthly$100

*Interest will accrue on average daily balance as long as minimum balance requirement is met.


Back to Top

Share & IRA Certificates

Share CertificatesMinimum BalanceDividend RateAPYCompunded & Paid
3 Month Share Certificate$5000.35%0.35%Monthly
6 Month Share Certificate$5000.60%0.60%Monthly
1 Year Share Certificate6$5001.00%1.00%Monthly
1 Year Jumbo Certificate6$50,0001.10%1.10%Monthly
2 Year Share Certificate6$1,0001.25%1.26%Monthly
2 Year Jumbo Certificate6$50,0001.35%1.35%Monthly
3 Year Share Certificate Step Up5,6$1,0001.50%1.51%Monthly
3 Year Share Certificate6$1,0001.55%1.56%Monthly
3 Year Jumbo Certificate6$50,0001.65%1.66%Monthly
5 Year Share/IRA Certificate Step Up5,6$2,5002.15%2.17%Monthly
5 Year Share Certificate6$2,5002.20%2.22%Monthly
5 Year Jumbo Certificate6$50,0002.25%2.27%Monthly

*Share Certificate/IRA Early Withdrawal Penalty: If original maturity of one year or less: Penalty imposed will equal 180 days dividends on the amount withdrawn. If original maturity of more than one year: Penalty imposed will equal 365 days dividends on the amount withdrawn.

NOTE: Each member account including IRA's are federally insured up to $250,000 by the National Credit Union Share Insurance Fund (NCUSIF). Substantial penalty for early withdrawal of Share Certificates. Early withdrawal of IRA Share Certificates also incur an IRS tax penalty. IRA Certificates includes Traditional and Roth IRAs. Complete terms and conditions available at any AFFCU branch or you may call (410) 584-7474 or 1-800-505-7476.



5 Available after 1 year, but must be requested when originally opened.


6 IRA option available. Minimum balance is $100.

Back to Top

Add and Earn Shared Certificates

ADD & EARN SHARE CERTIFICATESMinimum BalanceDividend RateAPYCompounded & Paid
1 YEAR ADD & EARN SHARE CERTIFICATE*
$25 - $499.99 $250.85%0.85%Monthly
$500 - $4,999.99$5000.95%0.95%Monthly
$5,000 or more$5,0001.00% 1.01% Monthly
2 YEAR ADD & EARN SHARE CERTIFICATE*
$25 - $499.99$251.10%1.11%Monthly
$500 - $4,999.99$5001.20%1.21%Monthly
$5,000 or more$5,0001.25%1.26%Monthly

*Share Certificate Early Withdrawal Penalty: An early withdrawal is subject to penalty which will reduce earnings. If original maturity of one year or less: Penalty imposed will equal 180 days dividends on the amount withdrawn. If original maturity of more than one year: Penalty imposed will equal 365 days dividends on the amount withdrawn.

Back to Top

Loan Rates

New, Used and Refinanced Vehicles

APR as low asMax Term (months)Monthly Payment (per $1,000)Maximum Loan Amount
0.99%12$83.74NONE
1.39%24$42.28NONE
1.49%36$28.43NONE
1.59%48$21.52NONE
1.79%60$17.44NONE
2.49%72**$14.97NONE
3.49%84**$13.44NONE

* Maximum loan-to-value is 125%.

**Minimum amount of $20,000 required for 72 months or longer term.

Back to Top

Auto Secured*

APR as low asMax Terms (months)Monthly Payment (per $1,000)
1.99%12$84.25
2.99%24$42.99
4.99%36$29.98
5.99%48$23.49
6.99%60$19.81
7.99%72$17.54

* Maximum loan-to-value is 90% clean loan value per NADA

Back to Top

Boats & Motorcycles

APR as low asMax Term (months)Monthly Payment (per $1,000)Maximum Loan Amount
4.49%24$43.66NONE
4.99%36$29.98NONE
5.49%48$23.36NONE
5.99%60$19.34NONE
7.99%72$17.54NONE
Back to Top

RVs

APR as low asMax Term (months)Monthly Payment (per $1,000)Maximum Loan Amount
3.99%24$43.43NONE
4.99%48$23.04NONE
5.99%60$19.34NONE
6.99%84$12.21NONE
Back to Top

First Mortgages

All types available through Financial Security Consultants. Rates change daily. For rate quotes call (410) 823-3300 or 1-800-730-7599.

Back to Top

Home Equity Loans and Lines of Credit

ProductAPR As Low AsMonthly PaymentPoints
Home Equity Line-Of-Credit

Up to 15 Years

4.00%$73.99NONE
Home Equity Loan Fixed

Up to 15 Years

6.00%$98.01NONE

Borrow up to 85% of your home value with a maximum of $200,000. Fixed payment examples are based on a $10,000 loan. Home Equity Line of Credit (HELOC) payment example is based on $10,000 loan with a 15-year repayment schedule. HELOC's have a 5 year draw period with 5/10/15 year repayment schedules available. HELOC's are variable rate products. Home Equity product rates are based on prime rate +. Current prime rate is 3.50% and is updated on the last business day of the month as published in the Wall Street Journal. Rate is subject to change. Speak with Central Lending at 410-584-7474 about closing costs.

Back to Top

Personal Loans

APR as low asMaximum Term (months)Monthly Payment (per $1,000)Maximum Loan Amount
3.99%12$85.16$20,000
5.49%24$44.11$20,000
6.99%36$30.89$20,000
7.99%48$24.42$20,000
8.99%60$20.77$20,000
Back to Top

Share Secured***

APR as low asMaximum Term (months)Monthly Payment (per $1,000)Maximum Loan Amount
4.00%120$10.13NONE

*** No income verification needed. Share rate + 3.85%. Subject to change without notice.

Back to Top

Quick Draw Overdraft Protection Line of Credit

APR as low asMaximum Term (months)Monthly Payment (per $1,000)Maximum Loan Amount
9.95%n/aVaries****$7,500

**** Payment will vary based on 2% of the current balance.

Back to Top

VISA Credit Card

APR as low asAnnual Fee
9.95%NONE

Rate is subject to change without notice. Rate listed above is the lowest rate available. Actual rate may be based on individual credit history. Lowest rate available is the floor rate. Contact us at 410-584-7474 for disclosure information.

Back to Top

Special Service Fees

Current Fees

SPECIAL ACCOUNT PROCESSING SERVICESREGULARPAT OR E-BRANCH
Acct reconcilement per hour$10.00NA
Acct subledger per page printed$1.00FREE
American Express Gift Cheques$2.50NA
Certified Check$10.00NA
Check copies (each)$5.00FREE
Check Secure Delivery$7.95NA
Check stop payment$15.00$10.00
Collection funds transfer$5.00NA
Deposit & payment receipts mailed$2.00FREE
Dormant acct per month$5.00NA
Foreign ATM transactions$2.00FREE
Garnishment$100.00NA
HSA Origination$10.00NA
Insufficient funds returned item (any party)$25.00NA
Loan/VISA late payment$25.00NA
MAC (Member Acct Courtesy)$25.00NA
Money Market low balance$5.00NA
Money orders$2.00NA
Share acct low balance$2.00NA
Share closed within 31 days of opening$5.00NA
Share withdrawal check mailed$2.00$0.50
Share withdrawal check to 2nd party$2.00NA
Signature Guarantee (per signature)$10.00NA
Statement returned for bad address$1.00NA
Statement/Account summary copy$5.00FREE
Travelers checks 1 signature1/2%/$100 incrementsNA
Travelers checks 2 signatures1%/$100 incrementsNA
VISA debit card POS$1.00NA
VISA debit/credit card replaced*$10.00NA
VISA card shipped Standard 1st Class$10.00NA
2 Day Rush$37.50NA
Overnight$69.50NA
VISA sales draft copy$5.00NA
VISA emergency temporary increase$25.00NA
Wire transfer - domestic$25.00NA
Wire transfer - foreign$50.00NA

Share Certificate/IRA Early Withdrawal Penalty - If original maturity of one year or less: Penalty imposed will equal 180 days dividends on the amount withdrawn. If original maturity of more than one year: Penalty imposed will equal 365 days dividends on the amount withdrawn.

*Fee is waived if card is stolen and a police report is provided.

PAT (Phone Activated Transactions) & Internet E-Branch FREE to all members and some special fees are discounted.

Back to Top