Credit union · NCUA insured
South Atlantic Federal Credit Union
A $17.7M credit union headquartered in Boca Raton, FL, with 2,129 members and 1 branch in Florida. Best rates: savings 0.05% APY.
Rates
No Carrot Score yet: it needs scores for at least two of CDs, savings, auto loans and credit cards. CDs: rates are not published online. Auto loans: no rates found on its website. Credit cards: only rates Carrot doesn’t compare are published (introductory, refinance or business rates, or none at all).
- Savings600.05%at $10,000Savings rates →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About South Atlantic Federal Credit Union
Serving its members since 1973 as a not-for-profit cooperative financial institution, South Atlantic Federal Credit Union is based in Boca Raton, Florida.
- Headquarters
- 1 W Camino Real Ste 110, Boca Raton, FL 33432-5966
- NCUA charter
- 21202
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of one of South Atlantic Federal Credit Union's sponsor companies are eligible for membership.
Family and household
- Family members by blood or marriage of a current South Atlantic Federal Credit Union member (defined as spouse, child, sibling, parent, grandparent, grandchild, stepparents, stepchildren, stepsiblings, and adoptive relationships) are eligible for membership.
Cost to join
- A $25.00 minimum balance in a share account is required to maintain membership.
Branches
1 branch in Florida
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Florida
1 branch
- South Atlantic FcuMain office1 W Camino Real Ste 110, Boca Raton, FL 33432Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.11% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 1.27% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 0.24% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $57 | $59 | — |
- CapitalNet worth ratio9.11%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late1.27%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets0.24%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$57Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million 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 South 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.