Credit union · NCUA insured
The Atlantic Federal Credit Union Credit Card Rates
Top CarrotThe Atlantic Federal Credit Union credit card rates start at 12.74% APR. Rates checked October 22, 2026.
How The Atlantic Federal Credit Union’s credit card rates compare
Compared with banks and credit unions near New York, NY-NJ, where The Atlantic Federal Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
The Atlantic Federal Credit Union
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
NYU Federal Credit Union
7.90%APR
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.
Low-Rate Card
Subject to credit approval. Rates are based on creditworthiness. Variable APR based on Prime Rate. Membership open to those living, working, worshiping, attending school, or doing business in Union or Essex counties, NJ, and immediate family members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 12.74%–17.99% | None | Variable APR based on Prime Rate and creditworthiness. |
Sources (1)
- theatlanticfcu.com/personal/borrow/credit-cards · captured Oct 7, 2026
Secured Card
Up to $2,500 credit limit via fully refundable deposit. Variable APR based on Prime Rate. Membership open to those living, working, worshiping, attending school, or doing business in Union or Essex counties, NJ, and immediate family members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 17.99% | $25 | Variable APR based on Prime Rate. Up to $2,500 credit limit via fully refundable deposit. |
Sources (1)
- theatlanticfcu.com/personal/borrow/credit-cards · captured Oct 7, 2026
Visa Signature Card
Subject to credit approval. Rates are based on creditworthiness. Variable APR based on Prime Rate. Membership open to those living, working, worshiping, attending school, or doing business in Union or Essex counties, NJ, and immediate family members.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0.00% introductory APR for 15 months from date of first transfer for balance transfers completed within 120 days of account opening. A balance transfer fee of 3% applies. Limited-time offer. |
| Ongoing | 16.74%–17.99% | None | Variable APR based on Prime Rate and creditworthiness. Stated as post-introductory APR for balance transfers and ongoing APR. |
Sources (1)
- theatlanticfcu.com/personal/borrow/credit-cards · captured Oct 7, 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.