We make your savings goals achievable
Open An Account
Applying online is fast and easy.
Should you have any questions or need assistance, please reach out to us:
Phone: 410-584-7474
Email: [emailprotected]
Representatives available
Mon-Fri: 9AM-5PM
There’s more to saving than just for a rainy day.
Whatever you’re saving for – a wedding, college, car, holidays – our savings account options can help you get there faster. Declare your commitment to a saving and achieve it with help from AFFCU.
Select The Right Account
The scope of your savings goal, the dollar amount, and the time you have to achieve it, will all impact your decision on the right savings account needed to get you there.
Make It Personal
It’s proven that if you name your savings account according to its goal you’re more likely to stay committed to achieving it. When you open an account, edit the name in online banking.
Make it Automatic
Automation makes things happen easily. Set up your direct deposit to your AFFCU account and then create recurring automated funds transfers to your savings account. Move it before you can spend it.
Choose An Account To Achieve Your Savings Goals
Details
Details
Monthly Service Fee
Monthly Service Fee
Minimum Balance
Minimum Balance
Dividends
Dividends
Account Restrictions
Account Restrictions
Federally Insured
Federally Insured
Primary Share Savings Account
Details
A basic interest earning savings account. A $5 balance establishes your membership at Atlantic Financial FCU.
Monthly Service Fee
NO
Minimum Balance
$5 minimum deposit to open and maintain membership
Dividends
Competitive dividends paid on balances of $100 or more
Earns 0.10% APY
Account Restrictions
None
Federally Insured
Yes, up to $250,000 per account
Money Market Account
Details
A tiered, interest earning account that provides higher dividend earning opportunity without locking funds into a time-based share certificate account.
Monthly Service Fee
No
Minimum Balance
$500*
Dividends
Tiered dividends earned on balances of $500 or more.
Earn up to 1.00% APY
Account Restrictions
Limit 6 in-person withdrawals or transactions per month
Federally Insured
Yes, up to $250,000 per account
Club Savings Account
Details
A secondary interest earning savings account that provides an easy and effective way to set up a separate account to help you achieve a specific savings goal.
Monthly Service Fee
No
Minimum Balance
None
Dividends
Competitive dividends paid on balances of $100 or more
Earn 0.10% APY
Account Restrictions
None
Federally Insured
Yes, up to $250,000 per account
Journey Savings Accounts
Details
A great starter account for youth and young adults age newborn through 25 that are looking to establish basics of saving and start their journey towards financial independence
Monthly Service Fee
No
Minimum Balance
None
Dividends
Higher dividend paid on balances up to $1500
Earn 3.00%* APY
Account Restrictions
Available to members age 25 and younger
Federally Insured
Yes, up to $250,000 per account
Open Online
Primary Share Savings Account
This dividend-bearing savings account establishes your lifetime AFFCU membership. With this basic savings account, you’re able to deposit and withdraw funds at your convenience, while taking advantage of all that AFFCU has to support your financial well-being and life goals.
View Savings Rates
Money Market Account
Have your cake and eat it too with a versatile money market. With a Money Market Account you can retain access to your funds without sacrificing earning potential. You’ll earn a higher dividend rate on your savings without locking away funds in term share certificate account. Get the best of both worlds with our money market account.
View Money Market Rates
Club Savings Account
A club account is simply a secondary savings account. It’s an easy and effective way to set up a separate account to help you achieve a specific savings goal. Set aside for specific expenses or life goals such as a fun-filled family vacation, holiday expenses, wedding, college education, and more.
View Club Savings Rates
Journey Accounts
This savings account is for our members aged newborn through 25. It earns a higher rate than our Regular Share Savings and has no fees for inactivity. This account is great for developing both short-term and long-term savings needs of our youth and young adults.
Learn About Journey Accounts
Calculate How To Reach Your Goal
Savings Calculator
Results
Each year, you will need to save: | $____ |
Assumptions:
Before-tax return on savings (-12% to 12%)
Marginal tax bracket * (0% to 75%)
You might also be interested in
Share Certificates
Looking for ways to save with greater guaranteed returns? A Share Certificate may be the right fit.
Learn More About Share Certificates and IRAs
Reliable Money Management Tips
Managing money and saving is a significant challenge. Check out this helpful article of the 7 Most Reliable Money Management Tips
Read the full article
Declare Your Commitment To Saving And Get Started
Contact us
Contact Us
Open account online
Get started now
Call us
(410) 584-7474
Disclosures
Some savings accounts are a variable-rate product, meaning that the rate may change after the account is opened. These accounts may be subject to maintenance or activity fees. Any fees assessed could reduce the earnings on the account.