Credit union · NCUA insured
Atlantic Federal Credit Union Credit Card Rates
Top CarrotAtlantic Federal Credit Union credit cards start at 11.49% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Atlantic Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near Portland, ME, where Atlantic Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Atlantic Federal Credit Union
11.49%APR
Visa Platinum
Lowest rate
Town & Country Federal Credit Union
8.90%APR
2nd-lowest rate
Evergreen Credit Union
8.99%APR
Atlantic Federal Credit Union credit card score
76
Credit card score
Higher than 41% of U.S. banks and credit unions
- Purchase APRPurchase APR11.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Atlantic Federal Credit Union ranks
By credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Visa Platinum
No annual fees. Must be a member of the credit union to qualify (requires an open share account with a minimum balance of at least $25). No balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.49% | None | Introductory Rate for 12 Billing Cycles. APR and term are based on your credit rating and ability to pay. Rates are subject to change at any time. |
| Ongoing | 11.49% | None | Non-Variable as low as rate. APR and term are based on your credit rating and ability to pay. Rates are subject to change at any time. Additional rates and terms are available. |
Sources (2)
All captured Oct 3, 2026
Visa Secured
No introductory rate. No annual fees. Must be a member of the credit union to qualify (requires an open share account with a minimum balance of at least $25). No balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | None | Non-Variable as low as rate. Rates are subject to change at any time. Additional rates and terms are available. |
Sources (2)
All captured Oct 3, 2026
Visa Signature®
No annual fees. Must be a member of the credit union to qualify (requires an open share account with a minimum balance of at least $25). No balance transfer fees.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 12 months | 2.49% | None | Introductory Rate for 12 Billing Cycles. Rate based on prime plus a margin. APR and term are based on your credit rating and ability to repay. Rates are subject to change at any time. |
| Ongoing | 14.00% | None | Variable as low as rate. Rate based on prime plus a margin. APR and term are based on your credit rating and ability to repay. Rates are subject to change at any time. Additional rates and terms are available. |
Sources (2)
All captured Oct 3, 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.