Rates - Atlantic Financial FCU | Baltimore, MD

Rates Effective: January 1, 2020

APY = Annual Percentage Yield

APR = Annual Percentage Rate

Free Kasasa Cash*
Balance	Dividend Rate	APY
* 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
Balance $0 - $10,000	Dividend Rate 2.50%	APY 2.50%
Balance $10,000 or more	Dividend Rate 0.25%	APY 2.50% 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 0.15%	APY 0.15%
Account Type Club Savings Account	Dividend Rate 0.15%	APY 0.15%
Account Type Journey Accounts	Dividend Rate 3.00%*	APY 3.00%*

Free Kasasa Saver*
Balance	Dividend Rate	APY
* 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
Balance $0 - $10,000	Dividend Rate 0.50%	APY 0.50%
Balance 10,000 or more	Dividend Rate 0.25%	APY 0.50% to 0.27%
Balance All balances if monthly qualifications not met*	Dividend Rate 0.05%	APY 0.05%

Money Market
Balance	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.
Balance $1 - $14,999.99	Dividend Rate 0.80%	APY 0.80%	Minimum Deposit $500
Balance $15,000 - $39,999.99	Dividend Rate 0.90%	APY 0.90%	Minimum Deposit $15,000
Balance $40,000 or more	Dividend Rate 1.00%	APY 1.00%	Minimum Deposit $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Penalty: If original maturity of one year or less: Penalty imposed will equal 180 days dividends on the amount withdrawn. If original maturity of more than one year: Penalty imposed will equal 365 days dividends on the amount withdrawn.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. 2 A rate step up is available after 1 year, but must be requested when originally opened.
Account Type Easy Way IRA	Minimum Balance $100	Dividend Rate 0.35%	APY 0.35%
Account Type 3 Month Share Certificate	Minimum Balance $500	Dividend Rate 1.04%	APY 1.05%
Account Type 6 Month Share Certificate	Minimum Balance $500	Dividend Rate 1.39%	APY 1.40%
Account Type 1 Year Share Certificate¹	Minimum Balance $500	Dividend Rate 1.74%	APY 1.75%
Account Type 1 Year Jumbo Share Certificate¹	Minimum Balance $50,000	Dividend Rate 1.79%	APY 1.80%
Account Type 2 Year Share Certificate¹	Minimum Balance $1,000	Dividend Rate 1.83%	APY 1.85%
Account Type 2 Year Jumbo Share Certificate¹	Minimum Balance $50,000	Dividend Rate 1.88%	APY 1.90%
Account Type 3 Year Step Up Share Certificate^1,2	Minimum Balance $1,000	Dividend Rate 1.88%	APY 1.90%
Account Type 3 Year Share Certificate¹	Minimum Balance $1,000	Dividend Rate 1.93%	APY 1.95%
Account Type 3 Year Jumbo Share Certificate¹	Minimum Balance $50,000	Dividend Rate 1.98%	APY 2.00%
Account Type 5 Year Step Up Share Certificate^1,2	Minimum Balance $2,500	Dividend Rate 2.08%	APY 2.10%
Account Type 5 Year Share Certificate¹	Minimum Balance $2,500	Dividend Rate 2.13%	APY 2.15%
Account Type 5 Year Jumbo Share Certificate¹	Minimum Balance $50,000	Dividend Rate 2.18%	APY 2.20%

1-Year Add and Earned 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.
Balance $25 - $499.99	Dividend Rate 1.44%	APY 1.45%
Balance $500 - $4,999.99	Dividend Rate 1.54%	APY 1.55%
Balance $5,000 or more	Dividend Rate 1.64%	APY 1.65%

2-Year Add and Earned 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.
Balance $25 - $499.99	Dividend Rate 1.64%	APY 1.65%
Balance $500 - $4,999.99	Dividend Rate 1.74%	APY 1.75%
Balance $5,000 or more	Dividend Rate 1.83%	APY 1.85%

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.
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.
Credit Card Visa Platinum Rewards	APR as low as 11.74%*	Annual Fee None
Credit Card Visa Platinum	APR as low as 9.74%*	Annual Fee None
Credit Card Share Secured Visa	APR as low as 9.99%**	Annual Fee None

Vehicle Loans - New, Used, and Refinanced
Term	APR as low as*	Monthly Payment per $1,000**
* APR = Annual Percentage Rate. Actual rate will vary based on credit review and income. Advertised as low as rate includes a 0.25% rate discount for members who have a direct deposit of at least $500 per month established to their AFFCU account. Maximum loan-to-value (LTV) is 125% for vehicles less than 3-years old. Maximum loan-to-value for vehicles 3-years or older from current year is 115%. Estimated monthly payment based on $10,000 loan. Payment is per $1,000. Actual payments will vary. *Minimum amount of $20,000 required for 72 months or longer term.
Term Up to 60 months	APR as low as* 2.75%	Monthly Payment per $1,000** $20.29
Term 72 months***	APR as low as* 3.10%	Monthly Payment per $1,000** $17.72
Term 84 months***	APR as low as* 4.25%	Monthly Payment per $1,000** $16.36

Auto Secured Loans
Term	APR as low as	Monthly Payment per $1,000
* Maximum loan-to-value is 90% clean loan value per NADA
Term 36 months	APR as low as 6.99%	Monthly Payment per $1,000 $33.22
Term 48 months	APR as low as 7.99%	Monthly Payment per $1,000 $26.84
Term 60 months	APR as low as 8.99%	Monthly Payment per $1,000 $23.29
Term 72 months	APR as low as 9.99%	Monthly Payment per $1,000 $21.17

Boats and Motorcycle Loans
Term	APR as low as*	Monthly Payment per $1,000**
APR = Annual Percentage Rate. Actual rate will vary based on credit review and income. Estimated monthly payment based on $10,000 loan. Payment is per $1,000. Actual payments will vary. **Minimum amount of $20,000 required for 72 months or longer term.
Term 36 months	APR as low as* 5.50%	Monthly Payment per $1,000** $46.39
Term 48 months	APR as low as* 6.00%	Monthly Payment per $1,000** $32.75
Term 60 months	APR as low as* 6.50%	Monthly Payment per $1,000** $26.11
Term 72 months***	APR as low as* 6.99%	Monthly Payment per $1,000** $22.26
Term 84 months***	APR as low as* 8.99%	Monthly Payment per $1,000** $20.62

RV Loans
Term	APR as low as*	Monthly Payment per $1,000**
APR = Annual Percentage Rate. Actual rate will vary based on credit review and income. *Estimated monthly payment based on $10,000 loan. Payment is per $1,000. Actual payments will vary.
Term 24 months	APR as low as* 4.99%	Monthly Payment per $1,000** $46.15
Term 48 months	APR as low as* 5.99%	Monthly Payment per $1,000** $32.75
Term 60 months	APR as low as* 6.99%	Monthly Payment per $1,000** $22.26
Term 84 months	APR as low as* 7.99%	Monthly Payment per $1,000** $18.21

First Mortgages

Mortgage rates change daily and vary by loan type and term. For current mortgage rates contact AFFCU’s Lending Department at (410) 584-7474.

Mortgage Refinance

Mortgage rates change daily and vary by loan type and term. For current mortgage rates contact AFFCU’s Lending Department at (410) 584-7474.

Home Equity Loans and Lines
Loan Type	APR as low as	Monthly Payment per $1,000
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 4.75% 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.
Loan Type Home Equity Line-Of-Credit Up to 15 Years	APR as low as 3.75%	Monthly Payment per $1,000 $72.74
Loan Type Home Equity Loan (fixed) Up to 15 Years	APR as low as 4.75%	Monthly Payment per $1,000 $90.81

Personal Loans
Term	APR as low as	Monthly Payment per $1,000
All Personal loans have a maximum loan amount of $20,000.
Term 12 months	APR as low as 7.25%	Monthly Payment per $1,000 $88.96
Term 24 months	APR as low as 8.75%	Monthly Payment per $1,000 $47.91
Term 36 months	APR as low as 10.25%	Monthly Payment per $1,000 $34.81
Term 48 months	APR as low as 11.25%	Monthly Payment per $1,000 $28.49
Term 60 months	APR as low as 12.25%	Monthly Payment per $1,000 $25.02

Share Secured Loan*
Maximum Term	APR as low as	Monthly Payment per $1,000
* No income verification needed. Share rate + 3.85%. Subject to change without notice.
Maximum Term 120 months	APR as low as 4.00%	Monthly Payment per $1,000 $10.13

Quickdraw Overdraft Protection Line of Credit
APR as low as	Monthly Payment per $1,000	Maximum Loan Amount
* Payment will vary based on 2% of the current balance.
APR as low as 10.95%	Monthly Payment per $1,000 Varies*	Maximum Loan Amount $7,500

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. * Share Accounts restricted to six withdrawal/transfer transactions per month. Charge assessed for each withdrawal/transfer over this limit. Money Market Accounts are restricted to six withdrawal/ transfer transactions per month. Charge assessed for each transaction over this limit ***Fee is waived if card is stolen and a police report is provided.
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 Online Loan Payments Fee (does not apply to AFFCU's online bill payer service)	Service Fee $15.00
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 REG D Excess Share Account Transaction Fee**	Service Fee $5.00
Special Account Processing Services REG D Excess Money Market Account Transaction Fee**	Service Fee $10.00
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)	Service Fee $15.00
Special Account Processing Services VISA Credit Card late payment (per month)	Service Fee $25.00
Special Account Processing Services VISA debit card Point-Of-Sale Signature Transactions (per transaction) (Not applicable on Kasasa Checking Accounts)	Service Fee $1.00
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