Credit union · NCUA insured
The Atlantic Federal Credit Union CD Rates
Top CarrotThe Atlantic Federal Credit Union’s best CD rate is 4.16% APY on a 13-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How The Atlantic Federal Credit Union’s CD rates compare
Compared with banks and credit unions near New York, NY-NJ, where The Atlantic Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
The Atlantic Federal Credit Union
4.05%APY
- Term
- 13 months
- Minimum
- $500
- Earns on $10,000
- $439
Share Certificates
Top rate
Liberty Bank of New Jersey
5.00%APY
- Term
- 4 months
- Minimum
- $1,000
- Earns on $10,000
- $164
2nd-highest rate
Palisades Credit Union
5.00%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $457
The Atlantic Federal Credit Union CD score
86
CD score
Higher than 74% of U.S. banks and credit unions
- 3–8 months3–8 mo3.92%
- 9–15 months9–15 mo4.05%
- 16–30 months16–30 mo4.05%
- 31–60 months31–60 mo1.00%
- QualifiedQualified4.05%
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 The 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 Certificates
Up to 4.05%APY · 10 terms
Early withdrawal subject to penalty. Fees may reduce earnings on the account. Rates are subject to change without notice.
| Term | APY · Any balance | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|
| 3 months | 3.00% | — | 3.00% | $74 |
| 3 monthsULTRA Share Certificate tier for balances/certificates above $100,000 | — | 3.50% | —3.50% from $100k | — |
| 6 months | 3.25% | — | 3.25% | $161 |
| 6 monthsULTRA Share Certificate tier for balances/certificates above $100,000 | — | 3.92% | —3.92% from $100k | — |
| 7 monthsSpecial term; renews into the closest available standard term at maturity | 3.92% | — | 3.92% | $227 |
| 12 months | 0.50% | — | 0.50% | $50 |
| 13 monthsSpecial term; renews into the closest available standard term at maturity | 4.05% | — | 4.05% | $439 |
| 13 monthsULTRA Share Certificate tier for balances/certificates above $100,000. Special term; renews into the closest available standard term at maturity | — | 4.16% | —4.16% from $100k | — |
| 24 months | 0.60% | — | 0.60% | $120 |
| 25 monthsSpecial term; renews into the closest available standard term at maturity | 4.05% | — | 4.05% | $862 |
| 25 monthsULTRA Share Certificate tier for balances/certificates above $100,000. Special term; renews into the closest available standard term at maturity | — | 4.16% | —4.16% from $100k | — |
| 36 months | 0.80% | — | 0.80% | $242 |
| 48 months | 1.00% | — | 1.00% | $406 |
| 60 months | 1.00% | — | 1.00% | $510 |
Sources (2)
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates
Up to 3.25%APY · 8 terms
Traditional and Roth options available. $500 minimum to open. Early withdrawal subject to penalty. Subject to IRS contribution limits and terms. Rates are subject to change without notice.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 months | 3.00% | $149 |
| 12 months | 0.50% | $50 |
| 13 months | 2.75% | $298 |
| 24 months | 0.60% | $120 |
| 25 months | 3.25% | $689 |
| 36 months | 0.80% | $242 |
| 48 months | 1.00% | $406 |
| 60 months | 1.00% | $510 |
Sources (2)
All captured Oct 4, 2026
Who can join The Atlantic Federal Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.