Rates - Atlantic Financial FCU | Baltimore, MD

Rates Effective: May 1, 2025

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Current Prime Rate = 7.50%

PowerPlus Checking
Balance	Dividend Rate	APY
* To earn your rewards, simply do the following activities and transactions in your PowerPlus Checking Cash account each monthly qualification cycle: Must have at least $3,500 in total direct deposit post and settle each month Login to AFFCU online or mobile banking at least once per month This is a variable-rate product, meaning that the rate may change after the account is opened. This account may be subject to maintenance or activity fees. Any fees assessed could reduce the earnings on the account.
Balance $0 - $12,000	Dividend Rate 3.00%	APY 3.00%
Balance $12,000.01 or more	Dividend Rate 0.15%	APY 3.00% to 0.45%
Balance All balances if monthly qualifications not met*	Dividend Rate 0.05%	APY 0.05%

Savings Account (Primary Share Savings and Club Savings)
Account Type	Dividend Rate	APY
*APY = Annual Percentage Yield. 3.00% APY is for balances up to $1,500. Balances over $1,500 earn 0.50% APY.
Account Type Primary Share Savings	Dividend Rate 0.10%	APY 0.10%
Account Type Club Savings Account	Dividend Rate 0.10%	APY 0.10%
Account Type Journey Accounts	Dividend Rate 3.00%*	APY 3.00%*

Money Market
Balance	APY	Dividend Rate	Minimum Balance
APY = Annual Percentage Yield This is a variable-rate product; the rate may change after the account is opened. Any Fees or other conditions could reduce earnings on the account.
Balance $1 - $14,999.99	APY 0.45%	Dividend Rate 0.45%	Minimum Balance $500
Balance $15,000 - $39,999.99	APY 0.60%	Dividend Rate 0.60%	Minimum Balance $15,000
Balance $40,000 or more	APY 0.65%	Dividend Rate 0.65%	Minimum Balance $40,000

Share Certificates and IRAs (Easy Way IRA, Share and IRA Certificates)*
Account Type	Minimum Balance	Dividend Rate	APY
*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Penalty: If original maturity of one year or less: Penalty imposed will equal 180 days dividends on the amount withdrawn. If original maturity of more than one year: Penalty imposed will equal 365 days dividends on the amount withdrawn.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. 1 IRA option available. Minimum balance is $100. IRA jumbo certificates minimum balance is $50,000. 2 Rates effective as of February 1, 2025 and subject to change without notice.
Account Type Easy Way IRA	Minimum Balance $100	Dividend Rate 0.30%	APY 0.30%
Account Type 6 Month Share Certificate	Minimum Balance $500	Dividend Rate 3.45%	APY 3.50%
Account Type 1 Year Share Certificate¹	Minimum Balance $500	Dividend Rate 3.49%	APY 3.55%
Account Type 1 Year Jumbo Share Certificate¹	Minimum Balance $50,000	Dividend Rate 3.49%	APY 3.55%
Account Type 2 Year Share Certificate¹	Minimum Balance $1,000	Dividend Rate 3.54%	APY 3.60%
Account Type 2 Year Jumbo Share Certificate¹	Minimum Balance $50,000	Dividend Rate 3.54%	APY 3.60%
Account Type 3 Year Share Certificate Step Up¹	Minimum Balance $1,000	Dividend Rate 3.54%	APY 3.60%
Account Type 3 Year Share Certificate¹	Minimum Balance $1,000	Dividend Rate 3.64%	APY 3.70%
Account Type 3 Year Jumbo Share Certificate¹	Minimum Balance $50,000	Dividend Rate 3.64%	APY 3.70%
Account Type	Minimum Balance	Dividend Rate	APY
Account Type 5 Year Share Certificate¹	Minimum Balance $2,500	Dividend Rate 3.74%	APY 3.80%
Account Type 5 Year Jumbo Share Certificate¹	Minimum Balance $50,000	Dividend Rate 3.74%	APY 3.80%

1-Year Add and Earn Share Certificate
Balance	Dividend Rate	APY
Dividends are compounded and paid 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. This account may be subject to maintenance or activity fees. Any fees assessed could reduce the earnings on the account.
Balance $25 - $499.99	Dividend Rate 3.35%	APY 3.40%
Balance $500 - $4,999.99	Dividend Rate 3.40%	APY 3.45%
Balance $5,000 or more	Dividend Rate 3.45%	APY 3.50%

2-Year Add and Earn Share Certificate
Balance	Dividend Rate	APY
Dividends are compounded and paid 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. This account may be subject to maintenance or activity fees. Any fees assessed could reduce the earnings on the account.
Balance $25 - $499.99	Dividend Rate 3.40%	APY 3.45%
Balance $500 - $4,999.99	Dividend Rate 3.45%	APY 3.50%
Balance $5,000 or more	Dividend Rate 3.49%	APY 3.55%

Health Savings Account
Dividend Rate	APY	Minimum Deposit
Dividends are compounded and paid monthly *Interest will accrue on average daily balance as long as minimum balance requirement is met. This is a variable-rate product, meaning that the rate may change after the account is opened. This account may be subject to maintenance or activity fees. Any fees assessed could reduce the earnings on the account.
Dividend Rate 0.50%	APY 0.50%	Minimum Deposit $0

Visa Credit Cards
Credit Card	APR as low as	Annual Fee
*APR = Annual Percentage Rate. Rates are based on your creditworthiness when you open your account. Actual rate subject to application and credit review. Variable-rate is subject to change without notice and APR will vary with the market, based on the Prime Rate. Prime rate is published by the Wall Street Journal. Contact us at 410-584-7474 for disclosure information. Visa Foreign Transaction Fees: 1% of each multiple currency transaction in U.S. dollars. Visa Credit Card Solicitation Disclosure
Credit Card Visa Platinum Rewards	APR as low as 14.49%*	Annual Fee None
Credit Card Visa Platinum	APR as low as 12.49%*	Annual Fee None
Credit Card Share Secured Visa	APR as low as 9.95%**	Annual Fee None

Vehicle Loans - New
Term/Months	Minimum Loan Amount	Automated Payments APR* as low as	Estimated Monthly Payment per $1,000
*APR=ANNUAL PERCENTAGE RATE 1 Some restrictions may apply. 2 Rates available on approved credit. Not all applicants will qualify for the lowest rate. 3 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).Rate quoted based on 36 month term, $2,500 up to $25,000 4 Rates and terms may be different as determined by collateral and individual credit worthiness. 5 Based on Prime Rate. Prime rate is 7.50% as of December 18, 2024. This is a variable rate product. 6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
Term/Months 48	Minimum Loan Amount	Automated Payments APR* as low as 5.94%	Estimated Monthly Payment per $1,000 $23.47
Term/Months 63	Minimum Loan Amount	Automated Payments APR* as low as 6.19%	Estimated Monthly Payment per $1,000 $18.64
Term/Months 75	Minimum Loan Amount	Automated Payments APR* as low as 6.69%	Estimated Monthly Payment per $1,000 $16.36
Term/Months 84	Minimum Loan Amount $20,000	Automated Payments APR* as low as 7.49%	Estimated Monthly Payment per $1,000 $15.34

Vehicle Loans - Used
Term/Months	Minimum Loan Amount	Automated Payments APR* as low as	Monthly Payment per $1,000
*APR=ANNUAL PERCENTAGE RATE 1 Some restrictions may apply. 2 Rates available on approved credit. Not all applicants will qualify for the lowest rate. 3 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).Rate quoted based on 36 month term, $2,500 up to $25,000 4 Rates and terms may be different as determined by collateral and individual credit worthiness. 5 Based on Prime Rate. Prime rate is 7.50% as of December 18, 2024. This is a variable rate product. 6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
Term/Months 48	Minimum Loan Amount	Automated Payments APR* as low as 6.34%	Monthly Payment per $1,000 $23.65
Term/Months 63	Minimum Loan Amount	Automated Payments APR* as low as 6.59%	Monthly Payment per $1,000 $18.83
Term/Months 75	Minimum Loan Amount	Automated Payments APR* as low as 7.09%	Monthly Payment per $1,000 $16.55
Term/Months 84	Minimum Loan Amount $20,000	Automated Payments APR* as low as 7.89%	Monthly Payment per $1,000 $15.54

Boat - New
Term/Months	Minimum Loan Amount	Automated Payments APR* as low as	Estimated Monthly Payment per $1,000
*APR=ANNUAL PERCENTAGE RATE 1 Some restrictions may apply. 2 Rates available on approved credit. Not all applicants will qualify for the lowest rate. 3 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).Rate quoted based on 36 month term, $2,500 up to $25,000 4 Rates and terms may be different as determined by collateral and individual credit worthiness. 5 Based on Prime Rate. Prime rate is 7.50% as of December 18, 2024. This is a variable rate product. 6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
Term/Months 72	Minimum Loan Amount Up to $20,000	Automated Payments APR* as low as 5.54%	Estimated Monthly Payment per $1,000 $16.36
Term/Months 84	Minimum Loan Amount Up to $20,000	Automated Payments APR* as low as 5.34%	Estimated Monthly Payment per $1,000 $14.30
Term/Months 120	Minimum Loan Amount Up to $20,000	Automated Payments APR* as low as 5.24%	Estimated Monthly Payment per $1,000 $10.73
Term/Months 180	Minimum Loan Amount $20,001	Automated Payments APR* as low as 4.94%	Estimated Monthly Payment per $1,000 $7.88

Boat - Used
Term/Months	Minimum Loan Amount	Automated Payments APR* as low as	Estimated Monthly Payment per $1,000
*APR=ANNUAL PERCENTAGE RATE 1 Some restrictions may apply. 2 Rates available on approved credit. Not all applicants will qualify for the lowest rate. 3 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).Rate quoted based on 36 month term, $2,500 up to $25,000 4 Rates and terms may be different as determined by collateral and individual credit worthiness. 5 Based on Prime Rate. Prime rate is 7.50% as of December 18, 2024. This is a variable rate product. 6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
Term/Months 72	Minimum Loan Amount Up to $20,000	Automated Payments APR* as low as 5.99%	Estimated Monthly Payment per $1,000 $16.58
Term/Months 84	Minimum Loan Amount Up to $20,000	Automated Payments APR* as low as 5.74%	Estimated Monthly Payment per $1,000 $14.49
Term/Months 120	Minimum Loan Amount Up to $20,000	Automated Payments APR* as low as 5.49%	Estimated Monthly Payment per $1,000 $10.86
Term/Months 180	Minimum Loan Amount $20,001	Automated Payments APR* as low as 5.34%	Estimated Monthly Payment per $1,000 $8.09

Motorcycle - New
Term/Months	Minimum Loan Amount	Automated Payments APR* as low as	Estimated Monthly Payment per $1,000
*APR=ANNUAL PERCENTAGE RATE 1 Some restrictions may apply. 2 Rates available on approved credit. Not all applicants will qualify for the lowest rate. 3 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).Rate quoted based on 36 month term, $2,500 up to $25,000 4 Rates and terms may be different as determined by collateral and individual credit worthiness. 5 Based on Prime Rate. Prime rate is 7.50% as of December 18, 2024. This is a variable rate product. 6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
Term/Months 48	Minimum Loan Amount Up to $14,999	Automated Payments APR* as low as 4.99%	Estimated Monthly Payment per $1,000 $23.03
Term/Months 60	Minimum Loan Amount Up to $14,999	Automated Payments APR* as low as 5.24%	Estimated Monthly Payment per $1,000 $18.99
Term/Months 72	Minimum Loan Amount $15,000	Automated Payments APR* as low as 5.49%	Estimated Monthly Payment per $1,000 $16.34
Term/Months 84	Minimum Loan Amount $20,000	Automated Payments APR* as low as 6.49%	Estimated Monthly Payment per $1,000 $14.85

Motorcycle - Used
Term/Months	Minimum Loan Amount	Automated Payments APR* as low as	Estimated Monthly Payment per $1,000
*APR=ANNUAL PERCENTAGE RATE 1 Some restrictions may apply. 2 Rates available on approved credit. Not all applicants will qualify for the lowest rate. 3 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).Rate quoted based on 36 month term, $2,500 up to $25,000 4 Rates and terms may be different as determined by collateral and individual credit worthiness. 5 Based on Prime Rate. Prime rate is 7.50% as of December 18, 2024. This is a variable rate product. 6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
Term/Months 48	Minimum Loan Amount Up to $14,999	Automated Payments APR* as low as 5.49%	Estimated Monthly Payment per $1,000 $23.26
Term/Months 60	Minimum Loan Amount Up to $14,999	Automated Payments APR* as low as 5.74%	Estimated Monthly Payment per $1,000 $19.22
Term/Months 72	Minimum Loan Amount $15,000	Automated Payments APR* as low as 5.99%	Estimated Monthly Payment per $1,000 $16.58
Term/Months 84	Minimum Loan Amount $20,000	Automated Payments APR* as low as 6.74%	Estimated Monthly Payment per $1,000 $14.97

RV - New & Used
Term/Months	Minimum Loan Amount	Automated Payments APR* as low as	Estimated Monthly Payment per $1,000
*APR=ANNUAL PERCENTAGE RATE 1 Some restrictions may apply. 2 Rates available on approved credit. Not all applicants will qualify for the lowest rate. 3 0.25% discount with e-Statements and automated payments from a Freedom FCU Savings or Checking account on select loan types. (Rate discount is only available on collateral loans listed with the posted rates).Rate quoted based on 36 month term, $2,500 up to $25,000 4 Rates and terms may be different as determined by collateral and individual credit worthiness. 5 Based on Prime Rate. Prime rate is 7.50% as of December 18, 2024. This is a variable rate product. 6 Used auto loans with a term of 76 to 84 months must be for $20,000 or more to qualify for the rate listed.
Term/Months 121-180	Minimum Loan Amount $75,000	Automated Payments APR* as low as 4.74%	Estimated Monthly Payment per $1,000 $7.77

First Mortgages & Refinancing

Mortgage rates change daily and vary by loan type and term.

View Today’s Mortgage Rates

For mortgage assistance contact AFFCU’s Mortgage Specialist at (410) 584-7474.

Home Equity Loans and Lines
Loan Type	APR as low as	Monthly Payment
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 7.50% 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 a Lending representative at 410-584-7474 about closing costs. *Credit Union will pay closing costs up to $1,400 with the requirement of a minimum advance of at least $50,000 on a home equity line-of-credit or a minimum loan amount of $50,000 on a home equity loan. Maximum Annual Percentage Rate (APR) is 18.00%.
Loan Type Home Equity Line-Of-Credit Up to 15 Years (Member paid closing costs)	APR as low as 7.50%	Monthly Payment $92.70
Loan Type Home Equity Line-Of-Credit Up to 15 Years (AFFCU paid closing costs**)	APR as low as 8.25%	Monthly Payment $97.01
Loan Type	APR as low as	Monthly Payment
Loan Type Home Equity Loan (fixed) Up to 15 Years (Member paid closing costs)	APR as low as 6.49%	Monthly Payment $87.06
Loan Type Home Equity Loan (fixed) Up to 15 Years (AFFCU paid closing costs**)	APR as low as 7.00%	Monthly Payment $89.88

Personal Loans
Term	APR as low as	Monthly Payment per $1,000
*APR = Annual Percentage Rate. Actual rate may vary and based on credit review and application. Rates based on loan term. Terms available from 12- to 60-months. The maximum allowable APR is 18.00%. Advertised as low as rate includes rate discount of 1.00% for having a checking account with a direct deposit established totaling at least $1,500 per month to an AFFCU account and have automatic loan payment transfers setup from an AFFCU account. All Personal loans have a maximum loan amount of up to $30,000 based on credit score. Eligible loan amount based on credit review. A representative payment example for a personal loan in the amount of $10,000 with a term of 60-months at a non-variable interest rate of 7.24% APR would equal $199.15 per month. This equates to $11,948.78 over the life of the loan.
Term Up to 60 months	APR as low as 4.99%*	Monthly Payment per $1,000 $29.97

Share Secured Loan*
Maximum Term	APR as low as	Monthly Payment per $1,000
* Share rate + 3.85%. Subject to change without notice.
Maximum Term 60 months	APR as low as 3.95%	Monthly Payment per $1,000 $10.10

Safe Deposit Box (All 26-Inches Long)
Service	Rate
All boxes are 26 inches long Contents of Safe Deposit Boxes are not insured or guaranteed by the credit union, the NCUA, or by any other government agency.
Service 3x5 Deposit Box	Rate $24.00/year
Service 3x10 Deposit Box	Rate $54.00/year
Service 5x5 Deposit Box	Rate $54.00/year
Service 5x10 Deposit Box	Rate $75.00/year
Service 10x10 Deposit Box	Rate $144.00/year
Service Replacement key	Rate $10.00
Service Drill box	Rate $300.00

Service Charges
Special Account Processing Services	Service Fee
Information is accessible for free through AFFCU Online and Mobile Banking and PAT automated phone system. **Fee is waived if card is stolen and a police report is provided. Download full service charge listing PDF
Special Account Processing Services Acct reconcilement per hour	Service Fee $10.00
Special Account Processing Services Acct history subledger printed (per page)	Service Fee $1.00*
Special Account Processing Services Certified Check	Service Fee $10.00
Special Account Processing Services Check copies (each)	Service Fee $5.00*
Special Account Processing Services Collection funds transfer	Service Fee $5.00
Special Account Processing Services Deposit & payment receipts mailed	Service Fee $2.00
Special Account Processing Services Dormant account fee (per month)	Service Fee $5.00
Special Account Processing Services Foreign ATM transactions	Service Fee $2.00
Special Account Processing Services Garnishment	Service Fee $100.00
Special Account Processing Services HSA Origination (1-time set up fee)	Service Fee $10.00
Special Account Processing Services Insufficient funds returned item (any party)	Service Fee $25.00
Special Account Processing Services Loan late payment (per month)	Service Fee $25.00
Special Account Processing Services MAC (Member Acct Courtesy) (per occurrence)	Service Fee $25.00
Special Account Processing Services Money Market low balance (per month)	Service Fee $5.00
Special Account Processing Services Money orders	Service Fee $5.00
Special Account Processing Services Loan Payments by Debit or Credit Card Fee (Online & Phone) External payment through ACH banking transfer is free (does not apply to AFFCU's online bill payer service)	Service Fee $10.00
Special Account Processing Services Paper Statement Fee (Applicable to members age 18 through 64 years old)	Service Fee $1.00
Special Account Processing Services Phone Assistance Fee	Service Fee $2.00*
Special Account Processing Services Share acct low balance (per month)	Service Fee $2.00
Special Account Processing Services Share closed within 31 days of opening	Service Fee $5.00
Special Account Processing Services Share withdrawal check mailed	Service Fee $2.00
Special Account Processing Services Share withdrawal check to 2nd party	Service Fee $2.00
Special Account Processing Services Statement returned for bad address (per month)	Service Fee $5.00
Special Account Processing Services Statement/Account summary copy	Service Fee $5.00*
Special Account Processing Services Stop payment fee (All checks and ACH payments) Initiated in Online & Mobile Banking Initiated in-branch or over the phone	Service Fee $10.00 $15.00
Special Account Processing Services VISA Credit Card late payment (per month)	Service Fee $25.00
Special Account Processing Services VISA debit/credit card replaced*** (Fee waived for stolen card with police report provided)	Service Fee $10.00
Special Account Processing Services VISA card shipped Standard 1st Class	Service Fee $10.00
Special Account Processing Services VISA card shipped 2-Day Rush	Service Fee $37.50
Special Account Processing Services VISA card shipped Overnight	Service Fee $69.50
Special Account Processing Services VISA sales draft copy	Service Fee $5.00
Special Account Processing Services Wire transfer - domestic	Service Fee $25.00
Special Account Processing Services Wire transfer - foreign	Service Fee $50.00