Member Newsletter

Check out the latest rates and perks to make the most of your Membership at The Atlantic!

*Rates current as of 9/1/2026. Rates are subject to change without notice, and rates may vary after the account is opened. Fees may 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 - $999.99: 4.00% APY; $1,000.00 - $4,999.99: 4.00% APY; $5,000.00 - $9,999.99: 4.00% APY; $10,000.00 - $14,999.99: 4.00% APY; $15,000.00 - $24,999.99: 4.00% - 2.39% APY; $25,000.00 - $49,999.99: 2.39% - 1.20% APY; $50,000.00 and above: 1.20% - 0.03% 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.

**The uChoose Rewards® Program is administered by Fiserv Solutions, LLC on behalf of The Atlantic FCU. This Program is available to all Accounts designated by The Atlantic FCU, provided you remain in good standing with the The Atlantic FCU. You will earn points for every qualifying net purchase (purchases less returns) as designated by The Atlantic FCU. Rewards Points earned during a calendar month are vested and available for redemption by the 1st day of the following month. Full program terms and conditions are available in Online Banking or the Mobile App.

***Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. Early availability of direct deposits is not guaranteed and may vary from deposit to deposit. Eligible direct deposits are limited to electronic direct deposits of items such as your payroll, pension, and government benefit payments made through the Automated Clearing House (ACH) to your personal account.

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?

*Rates current as of 9/1/2026. Rates are subject to change without notice, and rates may vary after the account is opened. Fees may reduce earnings on the account. Business Ultra Savings is a blended rate tiered account with dividends paid on portions of your balance falling within designated tiers: $0.00 - $99,999.99: 3.50% APY; $100,000.00 - $249,999.99: 3.50% APY; $250,000.00 - $499,999.99: 3.50% APY; $500,000.00 - $999,999.99: 3.50% APY; $1,000,000.00 and above: 3.50% - 0.35% APY. $100,000 minimum balance to open. There is a $100,000 minimum daily balance requirement to avoid a $100 monthly maintenance fee. Other business savings accounts available.

Smart Savings at Your Fingertips

In partnership with Woop Insurance, we've made it easy to compare prices, manage policies, track rates, and save on your home and auto insurance. All in one place.

Simply connect your current policies through Woop's secure dashboard to unlock expert coverage guidance and opportunities to save now and in the future.

Limited-Time Offers

Lock in your rate today and enjoy guaranteed growth!

More great rates and terms are available. These offers are subject to change, so don't delay!

*Rates current as of September 1, 2026. Offered rates are subject to change without notice. Early withdrawal subject to penalty. Fees may reduce earnings on the account. The 13-Month Certificate and 25-Month Certificate will renew into the closest available standard term at maturity.

Important Reminder

The Atlantic will never call, text or email you to request personal or account information, including card numbers or one-time verification codes. If you have a question about a communication you have received, please contact us directly at 908-245-1750.

Children's Book Drive

in Partnership with United Way of Greater Union County

Thank you to all who contributed to our Children's Book Drive in partnership with United Way of Greater Union County. Together, we donated more than 900 books. Your efforts will have a lasting impact by helping to inspire young readers and supply essential educational materials to children in our community!

East Orange City Council

Back-to-School Family Festival

The Atlantic was honored to participate in the Back-to-School Family Festival outside of East Orange City Hall. Hosted by U.S. Rep. LaMonica McIver in conjunction with Mayor Ted R. Green and the East Orange City Council, the free festival welcomed hundreds of families to learn about educational, health, and community resources available year-round. The Atlantic shared information about perks of Membership, including complimentary access to Greenlight, the debit card and money app for kids and teens.*

*The Atlantic Federal Credit Union Members are eligible for the Greenlight SELECT plan at no cost when they connect their The Atlantic Federal Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, Members will be responsible for associated monthly fees. See terms for details. Offer ends 07/02/2028. Offer subject to change and partner participation. The Greenlight® prepaid card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

Announcements & Reminders

Account Activity Reminder

We care about your financial success and hope you are taking advantage of the services available to you as a Member of The Atlantic Federal Credit Union. Please be sure to complete at least one transaction per year on your accounts to keep your accounts active and avoid a dormancy fee. Based on our current fee schedule, a $3 Dormant Account Fee is charged after 12 months of inactivity. For your convenience, many types of transactions can be completed via Online Banking, Mobile Banking, Voice Banking, and through the MoneyPass network of over 40,000 surcharge-free ATMs nationwide. If you have any questions, please do not hesitate to contact us at 908-245-1750 or stop by a branch.

Upcoming Closings:

Labor Day: Saturday, September 5, and Monday, September 7

Locations & Hours

Our Mission
Meeting the financial goals and objectives of our Members and the communities we serve today and tomorrow.

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