Credit union · NCUA insured
Atlantic Federal Credit Union Savings Rates
Top CarrotAtlantic Federal Credit Union’s best savings rate is 1.35% APY on $10,000, with its Money Market Checking. Rates checked October 22, 2026.
How Atlantic Federal Credit Union’s savings 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
1.35%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $135
Money Market Checking
Top rate
Lighthouse Credit Union
3.85%APY
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Northeast Bank
3.50%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
Atlantic Federal Credit Union savings score
88
Savings score
Higher than 84% of U.S. banks and credit unions
- $1,000 balance$1,0000.50%
- $10,000 balance$10,0001.35%
- $100,000 balance$100,0002.00%
- QualifiedQualified2.50%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Free Kasasa Saver
Up to 2.50%APY
Tiered rate savings account available only to holders of a Kasasa Cash checking account. Dividends earned and ATM fees refunded to Kasasa Cash Checking account are automatically transferred to Kasasa Saver. Requires an Atlantic Savings Account with a minimum of $25 for no opening minimum. Qualification cycle requires at least 1 Direct Deposit, ACH Credit, or ACH payment transaction in Kasasa Account, at least 12 debit card purchases post and settle, and enrollment in eStatements. Uses average daily balance method.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $250,000Requires meeting monthly qualifications in linked Kasasa Cash checking account. Rate applies to entire average daily balance. | 2.50% | $250 | Requires meeting monthly qualifications in linked Kasasa Cash checking account. Rate applies to entire average daily balance. |
| Any balanceBase interest rate applying to entire balance if qualifications in linked Kasasa Cash checking account are not met during the qualification cycle. | 0.05% | $5 | Base interest rate applying to entire balance if qualifications in linked Kasasa Cash checking account are not met during the qualification cycle. |
| $250,000 – $500,000Requires meeting monthly qualifications in linked Kasasa Cash checking account. Rate applies to entire average daily balance. | 3.00% | — | Requires meeting monthly qualifications in linked Kasasa Cash checking account. Rate applies to entire average daily balance. |
| $500,000 and upRequires meeting monthly qualifications in linked Kasasa Cash checking account. Rate applies to entire average daily balance. | 3.25% | — | Requires meeting monthly qualifications in linked Kasasa Cash checking account. Rate applies to entire average daily balance. |
Sources (2)
All captured Oct 15, 2026
Money Market Checking
1.35%APY
Unlimited transactions, including the ability to write checks. If balance falls below $2,500, the account will not earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $4,999If balance falls below $2,500, the account will not earn dividends. | 0.50% | — | If balance falls below $2,500, the account will not earn dividends. |
| $5,000 – $9,999 | 1.00% | — | |
| $10,000 – $49,999 | 1.35% | $135 | |
| $50,000 – $99,999 | 1.85% | — | |
| $100,000 – $249,999 | 2.00% | — | |
| $250,000 – $499,999 | 2.65% | — | |
| $500,000 – $749,999 | 2.80% | — | |
| $750,000 – $999,999 | 2.90% | — | |
| $1,000,000 and up | 3.10% | — |
Sources (2)
All captured Sep 19, 2026
Money Market Savings
1.35%APY
Limited monthly transactions. If balance falls below $1,000, the account will not earn dividends.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $4,999If balance falls below $1,000, the account will not earn dividends. | 0.50% | — | If balance falls below $1,000, the account will not earn dividends. |
| $5,000 – $9,999 | 1.00% | — | |
| $10,000 – $49,999 | 1.35% | $135 | |
| $50,000 – $99,999 | 1.85% | — | |
| $100,000 – $249,999 | 2.00% | — | |
| $250,000 – $499,999 | 2.65% | — | |
| $500,000 – $749,999 | 2.80% | — | |
| $750,000 – $999,999 | 2.90% | — | |
| $1,000,000 and up | 3.10% | — |
Sources (2)
All captured Sep 19, 2026
Member Savings
0.05%APY
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $25 and up | 0.05% | $5 |
Sources (2)
All captured Oct 15, 2026
Special-purpose accounts
Individual Retirement Accounts (IRAs)
0.30%APY
Includes Traditional, Roth, and other retirement account options.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $4,999 | 0.05% | — |
| $5,000 – $9,999 | 0.25% | — |
| $10,000 – $49,999 | 0.30% | $30 |
| $50,000 – $99,999 | 0.40% | — |
| $100,000 and up | 0.50% | — |
Sources (1)
- atlanticfcu.com/about/rates.html · captured Oct 15, 2026
Health Savings Account (HSA)
0.30%APY
Eligibility requires being covered by a qualified high-deductible health plan, not being enrolled in Medicare, and not being claimed as a dependent. Non-qualified withdrawals subject to 10% penalty and taxable income. Unused funds roll over annually.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Up to $999 | 0.05% | — |
| $1,000 – $4,999 | 0.25% | — |
| $5,000 and up | 0.30% | $30 |
Sources (2)
All captured Oct 15, 2026
Centsables Youth Savings
0.05%APY
Account holders can be up to 17 years old. A parent or guardian is required to open a youth savings account.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 15, 2026
Clubs
0.05%APY
Offered as Vacation, Holiday, and All Purpose Club accounts. Vacation and Holiday Clubs have set maturity dates; All Purpose Club has no maturity date.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| Any balance | 0.05% | $5 |
Sources (2)
All captured Oct 15, 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.