Credit union · NCUA insured
Atlantic Federal Credit Union CD Rates
Top CarrotAtlantic Federal Credit Union’s best CD rate is 4.10% APY on a 15-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How Atlantic Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Portland, ME, where Atlantic Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Atlantic Federal Credit Union
4.10%APY
- Term
- 15 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $515
Share Certificate
Top rate
Northeast Bank
4.55%APY
- Term
- 12 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $455
2nd-highest rate
Machias Savings Bank
4.50%APY
- Term
- 36 months
- Requires
- None
- Minimum
- $500
- Earns on $10,000
- $1,412
Atlantic Federal Credit Union CD score
85
CD score
Higher than 71% of U.S. banks and credit unions
- 3–8 months3–8 mo3.65%
- 9–15 months9–15 mo4.10%
- 16–30 months16–30 mo3.60%
- 31–60 months31–60 mo3.50%
- QualifiedQualified4.10%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Atlantic Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Share Certificate
Up to 4.10%APY · 9 terms
Early withdrawals are subject to penalty. 10-calendar-day grace period at maturity before automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 2.15% | $53 |
| 6 months | 3.65% | $181 |
| 12 months | 3.80% | $380 |
| 15 months | 4.10% | $515 |
| 18 monthsAllows additional deposits ($500 minimum) | 3.60% | $545 |
| 24 months | 3.40% | $692 |
| 36 months | 3.40% | $1,055 |
| 48 months | 3.45% | $1,453 |
| 60 monthsAllows 1-time rate increase | 3.50% | $1,877 |
Sources (2)
All captured Oct 22, 2026
Special-purpose accounts
IRA Certificate
Up to 4.10%APY · 8 terms
Early withdrawals are subject to penalty. 10-calendar-day grace period at maturity before automatic renewal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.65% | $181 |
| 12 months | 3.80% | $380 |
| 15 months | 4.10% | $515 |
| 18 monthsAllows additional deposits ($500 minimum) | 3.60% | $545 |
| 24 months | 3.40% | $692 |
| 36 months | 3.40% | $1,055 |
| 48 months | 3.45% | $1,453 |
| 60 monthsAllows 1-time rate increase | 3.50% | $1,877 |
Sources (2)
All captured Oct 22, 2026
Who can join Atlantic Federal Credit Union
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.
Membership information collected October 4, 2026.