Credit union · NCUA insured
Atlantic Federal Credit Union
Top CarrotA $1.1B credit union headquartered in South Portland, ME, with 49,072 members and 12 branches in Maine. Best rates: CDs 4.10% and savings 1.35% APY.
Atlantic Federal Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#3 of 39 in Portland, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Atlantic Federal Credit Union
Atlantic Federal Credit Union is a member-owned financial cooperative and federally chartered credit union.
The credit union serves Androscoggin, Cumberland, Sagadahoc, and York counties in Maine.
- Headquarters
- 600 Sable Oaks Dr Ste 100, South Portland, ME 04106-3292
- NCUA charter
- 4281
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to people who live, work, worship, or attend school in Androscoggin, Cumberland, Sagadahoc, or York County in Maine.
Family and household
- Membership is open to people who are related to someone that is an existing member of Atlantic Federal Credit Union.
Other ways
- Membership is open to businesses, organizations, or associations that reside or serve the communities of Androscoggin, Cumberland, Sagadahoc, or York County in Maine.
Cost to join
- Members must purchase a share for $25, deposited into their new personal savings or business savings account.
Branches
12 branches in Maine
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Maine
12 branches
- South PortlandMain office600 Sable Oaks Dr Ste 100, South Portland, ME 04106Directions
- Biddeford75 Boulder Way, Biddeford, ME 04005Directions
- Brunswick55 Cushing ST, Brunswick, ME 04011Directions
- Cumberland327 Main ST, Cumberland, ME 04021Directions
- Freeport41 Mallett Dr, Freeport, ME 04032Directions
- Saco477 Main St, Saco, ME 04072Directions
- Sanford870 Main St, Sanford, ME 04073Directions
- South Sanford1516 Main St, Sanford, ME 04073Directions
- Scarborough2 Ginn Rd, Scarborough, ME 04074Directions
- Topsham3 Union Park RD, Topsham, ME 04086Directions
- Westbrook90 Riverside St, Westbrook, ME 04092Directions
- York387 US Route 1, York, ME 03909Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 10.78% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 0.61% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 0.62% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $82 | $88 | — |
- CapitalNet worth ratio10.78%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late0.61%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets0.62%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$82Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Atlantic Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.