Fall is in the air! We hope you find time this season to enjoy a pumpkin spice latte (if that's your thing) and the colorful foliage coming soon throughout Essex and Union counties. In this edition of The Atlantic Federal Credit Union newsletter, you’ll find the latest in Member benefits, community news, and more.

As always, thank you for your Membership!

It's Easy to Earn $1,000 on Your Checking Account

With Ultra Checking, you can earn $1,000+ a year on your everyday checking account with no hoops, hurdles, or hoopla:

• $420 per year with 4.20% APY¹ on your first $10,000
• Up to $240 per year with up to $20/month in foreign ATM fee refunds
• Up to $500 per year with Cash Back on debit card purchases

Plus, the convenience of Digital Banking across your devices with quick access to Zelle^®, card controls, and much more.²

A Safe Way to Save More

Interested in growing your savings in a liquid account? Ultra Savings is a high-yield savings account that pays one of the best rates in the nation at 5.25% APY on balances from $100,000 to $1,000,000.³ We also offer Kickstart Savings and Smart Savings with great rates for all balances.

Quick Cash Loans

When life happens, we’re here for you! Quick Cash Loans from The Atlantic Federal Credit Union offer Members:

• An easy online application with no credit check for loans from $200 to $2,000 (subject to eligibility and approval)
• Funds deposited in just a few minutes
• Availability for Members who have belonged to The Atlantic for at least 90 days and are at least 18 years old

Coast-to-Coast Access to More Than 40,000 Surcharge-Free ATMs

Thea Is Here to Help

Did you know that Thea is readily available on The Atlantic's website to answer your banking questions? Thea is a virtual assistant available 24/7 to serve as a convenient resource for information and to connect you with a Member Service Representative via chat, video, or voice with the click of a button.

In the near future, you will also be able to speak with Thea when contacting us by phone.

Say hello to Thea at TheAtlanticFCU.com today!

Payment Saver (Lease-Like) Auto Loan

Looking to get behind the wheel of a new car without emptying your wallet? Look no further than The Atlantic Federal Credit Union's new Payment Saver (Lease-Like) Auto Loan.

With our Payment Saver Auto Loan, you can lock in a lower monthly payment compared to a traditional auto loan. Think of a lease, but without mileage restrictions and with the flexibility of vehicle ownership!

At the end of the term of the Payment Saver Loan, you have the option to refinance (subject to approval), trade in or pay off the residual value of the vehicle.

Earn Up to $500 Back with Your Debit Card

With every purchase using your Atlantic debit card, you are now earning points that can be redeemed for up to $500 per year in cash back!

Rewards can be accessed right from our new card management platform, which also gives you access to spend insights, the ability to turn your card on and off, travel management, PIN management and more. Get started by selecting "Cards" from the Mobile App or "Manage Cards" from Online Banking.

Get Savvy with Your Credit Score

Staying on top of your credit has never been easier. With My Credit Score in Online Banking and the Mobile App, you can access your credit score, see your credit report, find personalized opportunities to save money, and so much more.

• Daily Access to Your Credit Score
• Real-Time Credit Monitoring Alerts
• Credit Score Simulator
• Personalized Credit Report
• Special Offers
• And More!

You can view your credit score anytime in Online Banking or the Mobile App.

Low Introductory Rate on Home Equity Lines of Credit

Need money for a home improvement project or to cover unexpected expenses? The Atlantic's Home Equity Line of Credit is a great way to leverage equity in your home to get the cash you need.

For a limited time, you can borrow up to 100% of the equity in your home with an introductory rate of 1.99% APR⁴ for the first 6 months followed by a variable rate as low as 8.00% APR⁴ after the introduction period.⁵

Home Equity Loans Also Available

Interested in other home equity options? The Atlantic Federal Credit Union offers a new Home Equity 5/5 loan option with the flexibility of a rate that adjusts every 5 years.

Express Business Loans Now Available

Hey, business owners! The Atlantic Federal Credit Union is proud to help our neighboring businesses with access to financing to support growth and success.

Our new Express Business Loan application makes it easy to submit your application online for quick document transferring, decisioning and funding.

Your One-Stop Shop

In addition to Express Business Loans, The Atlantic Federal Credit Union offers a full suite of solutions to support your business banking needs:

• Checking and savings accounts with competitive fees
• Rewards Credit Card offering unlimited 2% Cash Back
• Traditional commercial financing for a variety of needs

To learn more, speak with a Business Specialist today!

Prepare for Student Loan Repayments

With student loan payments resuming nationwide, we are here to help with free resources and counseling from our partners at GreenPath Financial Wellness.

Visit TheAtlanticFCU.com/GreenPath for more information.

Jewish Family Service of Central New Jersey

We recently had the privilege of volunteering at the Jewish Family Service of Central New Jersey in Elizabeth. Together, we harvested and prepared food for distribution to local residents in need. The Jewish Family Service of Central New Jersey is a non-sectarian health and social service agency whose mission is to strengthen family life and encourage personal growth by providing specialized quality services to individuals and families in need. Learn More: Jewish Family Service of Central New Jersey

Community FoodBank of New Jersey

Thank you to the Community FoodBank of New Jersey (CFBNJ) for allowing us to make a difference in partnership with the Golden Kitchen Food Pantry in Vauxhall. During a recent visit, we prepared food in containers and stocked pantry shelves in preparation for their food distribution. Learn More: Community FoodBank of New Jersey

Beware of a New Scam Trend

The US Federal Bureau of Investigation (FBI) recently warned of a rising virtual currency investment scam called "pig butchering." Graphically named for its resemblance to the practice of fattening a hog before slaughter, the "pig butchering scam" involves scammers who build trust with victims and then defraud them through investment in cryptocurrency or over-the-counter foreign exchange schemes.

A typical "pig butchering scam" involves a bad actor contacting a potential victim through text messages, social media, a dating app or other means of digital communication. The initial message may be presented under the guise of an accidental wrong number, and subsequent communication may involve the perpetrator claiming to be an investor, money manager and/or potential romantic interest.

Once trust is established, the scammer will introduce a supposedly lucrative investment opportunity that requires investment to be made via virtual currency websites or applications. While the website or application may appear to be legitimate, the platform will direct the investment to the scammer's virtual wallet or account – never to be seen again.

Variations of this scam have involved criminals directing victims to virtual currency kiosks, requesting remote access to the victim's devices, soliciting wire transfers to overseas accounts and/or convincing victims to purchase large amounts of prepaid cards to be used for virtual currency.

In the face of a growing number of financial scams designed to prey on the emotions of potential victims, it is important to remain diligent and look out for friends and family. Recognizing the following warning signs is an important first step to remain safe:

• A message or other form of communication from someone you don't know. If a relationship has developed from this form of contact, a second warning sign is refusal from the other party to meet in person.
• Requests for financial information. This includes requests for access to one-time passcodes or remote device access that can compromise access to your financial information.
• An investment opportunity that seems too good to be true, especially if it involves virtual currency. While virtual currency (which may include Bitcoin, Ethereum and other forms of cryptocurrency) is considered a legitimate option for investment or payment by many, it is also a popular opportunity for fraudsters due to lack of experience by the general public. Understanding the functionality, exchange, wallet destinations and terms of virtual currency transactions is crucial prior to conducting any payment in virtual currency. When in doubt, consult with a trusted financial advisor.

If you believe you are the victim of a financial scam, please contact us immediately at 908-245-1750. As a precaution, please also change your digital banking password, which can be managed in Online Banking Settings.

Upcoming Closings

Columbus Day: Monday, October 9th

Veterans Day: Saturday, November 11th

Thanksgiving: Thursday, November 23rd

Christmas: Monday, December 25th

Locations & Hours

Phone: 908-245-1750

Website: TheAtlanticFCU.com

Email: info@atlfedcu.com

Union Branch:

Magie Hill Center

1331 Magie Avenue

Union, NJ 07083

West Orange Branch:

Essex Green Center

455 Prospect Avenue

West Orange, NJ 07052

Drive-Thru & Lobby:

Mon. - Fri.: 9 A.M. - 5 P.M.

Sat.: 9 A.M. - Noon

¹APY = Annual Percentage Yield. Rates current as of October 2, 2023. Rates are subject to change without notice. Earnings of $1,000+ per year assumes that at least $10,000 will remain on deposit for one year and assumes typical debit card/ATM usage. Fees could reduce earnings on the account. Ultra Checking is a blended rate tiered account with dividends paid on portions of your balance falling within designated tiers: $0.00 - $1,000.00: 4.20% APY; $1,000.01 - $5,000.00: 4.20% APY; $5,000.01 - $10,000.00: 4.20% APY; $10,000.01 - $15,000.00: 4.20% - 2.78% APY; $15,000.01 - $25,000.00: 2.78% - 1.67% APY; $25,000.01 - $50,000.00: 1.67% - 0.84% APY; $50,000.01 and above: 0.84% - 0.02% APY. $1,000 minimum balance to open. There is a $1,000 minimum daily balance requirement to avoid a $15 monthly maintenance fee. The monthly maintenance fee can also be avoided based on a direct deposit of $750 or greater into the Ultra Checking account during the statement cycle. Limit of one Ultra Checking account per tax identification number.

²Zelle^® and the Zelle^® related marks are wholly owned by Early Warning Services, LLC and are used herein under license. Terms and conditions apply. Learn more at TheAtlanticFCU.com/Zelle.

³APY = Annual Percentage Yield. Rates current as of October 2, 2023. Rates are subject to change without notice. Based on nationwide comparison of savings account rates on DepositAccounts.com as of October 2, 2023. Fees could reduce earnings on the account. Ultra Savings is a blended rate tiered account with dividends paid on portions of your balance falling within designated tiers: $0.00 - $100,000.00: 5.25% APY; $100,000.01 - $250,000.00: 5.25% APY; $250,000.01 - $500,000.00: 5.25% APY; $500,000.01 - $1,000,000.00: 5.25% APY; $1,000,000.01 - $2,000,000.00: 5.25% - 2.60% APY; $2,000,000.01 - $5,000,000.00: 2.60% - 1.04% APY; $5,000,000.01 and above: 1.04% - 0.52% APY. $100,000 minimum balance to open. There is a $100,000 minimum daily balance requirement to avoid a $100 monthly maintenance fee. Limit of one Ultra Savings account per tax identification number.

⁴APR = Annual Percentage Rate. Rate quoted is the lowest rate for qualified applicants. Other rates are available and may apply based on creditworthiness and loan to value. Rates are subject to change without notice.

⁵All loans are subject to credit review and approval. An immediate draw of $25,000 is required to qualify for the introductory rate. Any existing Atlantic Federal Credit Union Home Equity Line of Credit (HELOC) that is being refinanced in order to receive the new introductory 6-month APR requires a $50,000 increase in the credit line amount, subject to approval. 1.99% APR is an introductory fixed rate for the first 6 months for qualified HELOC borrowers. After the introductory period, the fully indexed rate will be a variable APR based on the Prime Rate as published in the Wall Street Journal (which as of 08/01/2023 is 8.50%) plus or minus a margin that ranges from -0.50% to 4.00% based upon individual credit and services with the Atlantic Federal Credit Union. The standard minimum APR (floor rate) is 3.00%, and the maximum APR (ceiling rate) is 18.00%. The introductory fixed rate is for a maximum combined loan-to-value (CLTV) ratio of 100%, with a maximum loan amount of $250,000. The maximum term of a HELOC is 25 years, which consists of a 10-year draw period followed by a 15-year repayment period. If the Prime Rate increases or decreases after the introductory period, the variable APR and minimum required payment will change accordingly. The minimum monthly payment during the draw period is calculated monthly based upon the outstanding balance over the remaining term of the loan, but will not be less than $50 or the full amount owed, whichever is lesser. Promotion offered for a limited time and may be discontinued at any time. Offered rates are subject to change without notice. Additional terms and conditions may apply. $109 tax service fee may apply. Optional remote or in-house closing fee of $175 may apply.

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Federally insured by NCUA. Equal Housing Lender. NMLS #440431.