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We hope you are enjoying a great start to 2024! With so many ways to save money and time thanks to your Membership with The Atlantic, it's easy to boost your financial wellness this year. Check out the latest Member benefits, community news and more below. |
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Graduating High School Seniors Can Apply Now
Each year, The Atlantic has the honor of awarding three $1,000 scholarships to graduating high school seniors. We are now accepting applications from Essex and Union county students entering college in the fall of 2024.
Don't wait! The deadline to apply is March 31, 2024.
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Pay Less on Existing Debt
For a limited time, enjoy no interest for 15 months on balance transfers to The Atlantic Visa® Signature Credit Card within 120 days of opening the Card.1
If you are currently paying higher interest on balances from holiday shopping or other debt at another financial institution, transfer to your existing or new Atlantic Signature Credit Card to start paying less today.
Plus, The Atlantic Visa® Signature Credit Card offers unlimited 2% Cash Back on all purchases and access to Visa® Signature Concierge for travel services, cardholder protection benefits, exclusive experiences and more. All with no annual fee!
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There's Still Time to Contribute | |
Looking for guaranteed growth on retirement funds this tax season? For a limited time, earn 5.00% Annual Percentage Yield on a 6-Month Individual Retirement Account (IRA) Certificate. Traditional and Roth options are available. Open your IRA Certificate at your local branch or by calling us at 908-245-1750. | |
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New Checking Account Exclusively for 501(c)(3) and 501(c)(6) Organizations
The Atlantic is a nonprofit for nonprofits. In addition to our ongoing volunteer work and support of fellow nonprofits, we have elevated our commitment to the charitable and community-focused organizations throughout Essex and Union counties with the all-new Advocate Checking.
Advocate Checking has no minimum balance requirement and no monthly account fee, so accountholders can worry less about banking and focus more on their core mission. Plus, Advocate Checking pays 1.00% Annual Percentage Yield on the entire balance in the account.
Are you involved with a 501(c)(3) or 501(c)(6) that could benefit from a financial partner that truly understands the work of nonprofits from first-hand experience operating as a nonprofit? Open an Advocate Checking account by visiting your local branch, calling us at 908-245-1750 or emailing us at [email protected].
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Commercial Loans, High-Yield Savings and More for Local Businesses
Did you know The Atlantic offers a full suite of solutions to help your business grow and succeed?
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High-Yield Savings & Convenient Checking
Allow your business savings to grow with up to 4.50% Annual Percentage Yield2 and enjoy convenient digital solutions with your business checking account from The Atlantic.
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Commercial Lending
Our Business Loan Specialists are ready to help your business access commercial real estate funding, term/equipment loans, and lines of credit.
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Express Business Loans
For vehicle loans, term loans, lines of credit and residential commercial real estate funding up to certain limits, our Express Business Loan program offers a convenient online application for streamlined document delivery, decisioning and funding.
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Business Rewards Credit Card
The Atlantic Business Rewards Credit Card offers a convenient line with unlimited 2% Cash Back on business purchases.
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Interested in learning more about business solutions from The Atlantic? Speak with a Business Specialist by calling 908-245-1750 ext. 7531 or emailing us at [email protected].
Loans are subject to credit review and approval.
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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% APR for the first 6 months followed by a variable rate as low as 8.00% APR after the introductory period.3
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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.
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Great Rates on Savings Accounts
The Atlantic offers some of the most competitive rates in the nation on savings accounts.
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Kickstart Savings
Designed to help new savers quickly build savings, Kickstart Savings is also a great option for all savers to maximize their first $10,000 with up to 4.00% Annual Percentage Yield.4
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Smart Savings
Smart Savings is a traditional savings account that pays more as your balance grows. This account currently pays up to 4.25% Annual Percentage Yield.5
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Ultra Savings
Our premier savings account, Ultra Savings pays up to 5.00% Annual Percentage Yield on balances up to $1 million.6
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Short-Term Certificate
Our 3-Month Certificate offers 5.00% Annual Percentage Yield with the flexibility of a short term.7
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Big Rewards On Your Everyday Checking Account
With Ultra Checking, it's easy to earn up to $1,000+ every year!8
- Up to $420 per year with 4.20% APY9 on your first $10,000
- Up to $500 per year with Cash Back on debit card purchases
- Up to $240 per year with up to $20/month in refunds on surcharges from using ATMs outside of The Atlantic's network
Plus, the convenience of Digital Banking across your devices with quick access to Zelle®, card controls and much more.10
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Be Wary of Requests for Passwords and MFA Codes
The Atlantic Federal Credit Union will never contact you to request your online banking password or a multi-factor authentication (MFA) code. It is very unlikely any financial institution or company you use will contact you for such credentials.
If you receive an email, text or call requesting your password or an MFA code, do not respond. If you are ever in doubt, contact us or the company in question using publicly available contact information. The Atlantic can be reached at 908-245-1750.
With constantly evolving technology and scams, it is always better to exercise caution and avoid disclosing any personal information in response to a communication you receive.
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Free Access to GreenPath Financial Wellness
The key to financial success is knowledge. That's why we are proud to offer Members free access to one-on-one financial counseling, debt management services, credit report reviews and more through GreenPath Financial Wellness.
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Recovery Grants for Local Charitable Organizations
As a member of the Federal Home Loan Bank of New York (FHLBNY), The Atlantic recently had the opportunity to participate in the FHLBNY Small Business Recovery Grant Program (SBRG) and access grant funding to distribute to community organizations facing challenges due to the rate environment, inflation, supply-chain constraints, and/or rising energy costs. We answered the call on behalf of charitable organizations doing amazing work in our communities. Read about our SBRG recipients below. For more information, see TheAtlanticFCU.com/SBRG-2023.
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Founded in 2015, the mission of Bianca F.L.O.W.E.R.S. Inc. is to provide food, clothing, and services for the homeless population and families in crisis that are in need of temporary help. Bianca F.L.O.W.E.R.S. hosts a food pantry open to community members in need every second, third and fourth Tuesday of each month at the Boys & Girls Club at 145 Park Avenue in Plainfield. | | | |
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The mission of Jewish Family Service of Central New Jersey, a non-sectarian health and social service agency, is to strengthen family life and encourage personal growth by providing specialized quality services to individuals and families in need in Union County. The Agency is a licensed mental health outpatient agency and a licensed and accredited homecare agency. A diverse staff who speaks 11 languages provides a full range of services from mental health counseling, to Kosher Meals On Wheels, to an active Food Pantry and Urban Community Garden. | | | |
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The mission of Mobile Meals of Westfield is to serve neighbors in need by preparing and delivering nutritious meals and providing vital and caring contact. Mobile Meals of Westfield provides prepared, affordable hot meals delivered Monday through Friday to those individuals unable to provide meals or shop for themselves. The organization serves Clark, Cranford, Fanwood, Garwood, Mountainside, Scotch Plains and Westfield. | | | |
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Since 1983, St. Joseph Social Service Center has served the materially poor and homeless community of greater Elizabeth, New Jersey, by providing basic human needs such as food, clothing and medications, as well as a wide range of services and programs to help them acquire the material goods and social services they need to live with dignity. St. Joseph Social Service Center’s range of services include a food pantry, health and wellness programs, mental health counseling, an Adult Learning Center, access to clothing and household items, and more. | | | |
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The SHARE Alliance is a consortium of several congregations and other interested parties, including the Springfield Rotary Club, Springfield Unity Project (SUP), Springfield Chamber of Commerce, and more, dedicated to the proposition that no one should go to bed hungry, unless they want to, or wonder where their next meal will come from. Under the sponsorship of the First Presbyterian Church of Springfield, SHARE seeks to approach the issue of food security in Union County with a three-prong tactic of increasing availability of healthier food, coordinating their distribution, and promoting their right use in the kitchen. | | | |
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89th Annual Meeting
The Atlantic Federal Credit Union's 89th Annual Meeting is to be held in-person and virtually on Thursday, April 25, 2024 at 10:00 A.M. If you would like to attend, please note your RSVP indicating your in-person or virtual attendance is required to [email protected] by Friday, April 19, 2024. Please include the name(s), telephone number and email address associated with your account in your RSVP. Once your account information has been validated, you will receive an email with the meeting information.
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Upcoming Closings
Presidents' Day: Monday, February 19th
Memorial Day: Monday, May 27th
Juneteenth: Wednesday, June 19th
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Locations & Hours
Phone: 908-245-1750
Website: TheAtlanticFCU.com
Email: [email protected]
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
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1) Subject to credit approval. Limited-time offer. 0.00% introductory Annual Percentage Rate (APR) for 15 months from date of first transfer for balance transfers completed within 120 days of account opening. After that, your APR will be a 17.99% variable APR based on creditworthiness. This APR will vary with the market based on Prime Rate. A balance transfer fee of 3% of the amount of each transfer applies.
2) Rate listed available on Business Ultra Savings and current as of February 13, 2024. Rates are subject to change without notice, and rates may vary after the account is opened. Fees may reduce earnings on the account. Limit of one Ultra Savings account per tax identification number. Business 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: 4.50% APY; $100,000.01 - $250,000.00: 4.50% APY; $250,000.01 - $500,000.00: 4.50% APY; $500,000.01 - $1,000,000.00: 4.50% APY; $1,000,000.01 - $2,000,000.00: 4.50% - 2.23% APY; $2,000,000.01 - $5,000,000.00: 2.23% - 0.89% APY; $5,000,000.01 and above: 0.89% - 0.45% APY. $100,000 minimum balance to open. There is a $100,000 minimum daily balance requirement to avoid a $100 monthly maintenance fee. Excessive transactions may result in fees. Other business savings accounts available.
3) APR = 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. All 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 02/13/2024 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.
4) Rate current as of February 13, 2024. Rates are subject to change without notice, and rates may vary after the account is opened. Fees may reduce earnings on the account. Kickstart Savings is a blended rate tiered account with dividends paid on portions of your balance falling within designated tiers: $0.00 - $2,500.00: 4.00% APY; $2,500.01 - $5,000.00: 4.00% APY; $5,000.01 - $7,500.00: 4.00% APY; $7,500.01 - $10,000.00: 4.00% APY; $10,000.01 and above: 4.00% - 0.05% APY. $100 minimum balance to open. There is a $100 minimum daily balance requirement to avoid a $10 monthly maintenance fee. Excessive transactions may result in fees. Limit of one Kickstart Savings account per tax identification number.
5) Rate current as of February 13, 2024. Rates are subject to change without notice, and rates may vary after the account is opened. Fees may reduce earnings on the account. $100 minimum balance to open. There is a $100 minimum daily balance requirement to avoid a $10 monthly maintenance fee. Excessive transactions may result in fees.
6) Rate current as of February 13, 2024. Rates are subject to change without notice, and rates may vary after the account is opened. Fees may 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: 5.00% APY; $100,000.01 - $250,000.00: 5.00% APY; $250,000.01 - $500,000.00: 5.00% APY; $500,000.01 - $1,000,000.00: 5.00% APY; $1,000,000.01 - $2,000,000.00: 5.00% - 2.48% APY; $2,000,000.01 - $5,000,000.00: 2.48% - 0.99% APY; $5,000,000.01 and above: 0.99% - 0.50% APY. $100,000 minimum balance to open. There is a $100,000 minimum daily balance requirement to avoid a $100 monthly maintenance fee. Excessive transactions may result in fees. Limit of one Ultra Savings account per tax identification number.
7) $500 minimum to open. Rates are subject to change without notice. Early withdrawal subject to penalty. Fees may reduce earnings on the account.
8) 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.
9) Rate current as of February 13, 2024. Rates are subject to change without notice, and rates may vary after the account is opened. 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.
10) Zelle® 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. Data charges may apply. Check with your mobile phone carrier for details.
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Federally insured by NCUA. Equal Housing Lender. NMLS #440431. | | | | |
