Join AFFCU
Experience a better way of banking. Become a member by opening your account online today.
We’re all about YOU!
Our mission at AFFCU is to enrich our members’ lives through consistent, exceptional member experiences. We do so by making your financial well-being our top priority, while helping you achieve and maintain a financially healthy life.
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,
"Where You Matter”
Watch to learn what makes Atlantic Financial Federal Credit Union different.
Who can join
You can join AFFCU.
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 the following Maryland counties:
- Baltimore County
- Baltimore City
- Carroll County
- Harford County
There’s a good chance this includes you, so come join us!
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?
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FEES & RATES
FEES & RATES
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WHO CAN JOIN
WHO CAN JOIN
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type of organization
type of organization
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governance
governance
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focus
focus
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federal insurance
federal insurance
AFFCU
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FEES & RATES
Fewer fees, lower rates
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WHO CAN JOIN
Anyone in field of membership
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type of organization
Not-for-Profit Cooperative
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governance
Member Owned
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focus
Giving back to our members
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federal insurance
NCUA Insured (250K)
BANKS
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FEES & RATES
More fees, higher rates
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WHO CAN JOIN
No eligibility criteria based on location or employer
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type of organization
For-Profit Corporation
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governance
Shareholder Owned
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focus
Increasing shareholder earnings
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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.
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.
— Chelsea D.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!
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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.
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.