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Eligibility

Applying is fast and easy!

You will need the following information in order to complete the application:

Government issued ID/Drivers License/State ID or Passport with current address

Your complete physical and mailing address

Social Security Number

Date of Birth

USA PATRIOT Act Notice
Important Information About Procedures for Opening a New Account:
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What this means for you:
When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also ask to see your driver's license or other identifying documents.

Select your eligibility

I Live in Baltimore County, Baltimore City, Carroll County, or Harford County

County

I Work in Baltimore County, Baltimore City, Carroll County, or Harford County

CountySelect a company from our employer partners list, or choose other if your employer is not listed

I Worship in Baltimore County, Baltimore City, Carroll County, or Harford County

CountyPlace of Worship

I Volunteer in Baltimore County, Baltimore City, Carroll County, or Harford County

CountyVolunteer Group

I Attend School Baltimore County, Baltimore City, Carroll County, or Harford County

CountySchool

I am an immediate family member or household member of someone who lives, works, worships, attends school, or volunteers in Baltimore County, Baltimore City, Carroll County, or Harford County, or have a family member who is a current AFFCU member

CountyFamily

I Do Business in Baltimore County, Baltimore City, Carroll County, or Harford County

County

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Required Products

Select at least one of the following products required for membership

Primary Share Savings

A basic interest earning savings account. A $5 balance establishes your membership at Atlantic Financial FCU.

Min Deposit: $5.00

You may select one of the following products

Available Products

Checking Savings Money Market Certificate Account HSA IRA IRA Certificate Account

Power Checking

A rewards checking account with the ability to earn 2% cash back on debit card purchases up to $500 monthly when qualifications are met.

PowerPlus Checking

A rewards checking account with the ability to earn 3% APY on account balances up to $12,000 monthly when qualifications are met.

Classic Checking

A simple checking account with no monthly maintenance fees or balance requirements.

Club Savings

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.

Money Market

A tiered, interest earning account that provides higher dividend earning opportunity without locking funds into a time-based share certificate account.

Min Deposit: $500.00

3 Month Share Certificate

A term-based savings account providing a secure way to save with a fixed rate savings that guarantees earnings.

APY: 2.75% Min Deposit: $500.00

6 Month Share Certificate

APY: 3.25% Min Deposit: $500.00

1 Year Share Certificate

APY: 4.25% Min Deposit: $500.00

1 Year Jumbo Share Certificate

APY: 4.30% Min Deposit: $50,000.00

1 Year Add & Earn Share Certificate

A term-base savings account with a fixed dividend rate that guarantees earnings, that allows savings growth with unlimited contributions throughout the term.

APY: 4.10% Min Deposit: $25.00

2 Year Share Certificate

APY: 4.30% Min Deposit: $1,000.00

2 Year Jumbo Share Certificate

APY: 4.35% Min Deposit: $50,000.00

2 Year Add & Earn Share Certificate

APY: 4.15% Min Deposit: $25.00

3 Year Share Certificate

APY: 3.65% Min Deposit: $1,000.00

3 Year Jumbo Share Certificate

APY: 3.70% Min Deposit: $50,000.00

5 Year Share Certificate

APY: 3.75% Min Deposit: $2,500.00

5 Year Jumbo Share Certificate

APY: 3.80% Min Deposit: $50,000.00

Health Savings Account

An HSA is for individuals, and families, enrolled in a qualifying high deductible health plan (HDHP). Use to pay for health expenses and save for future medical and retiree healthcare costs.

Min Deposit: $10.00

Traditional IRA Share

A high-earning account designed to help you build wealth until retirement. A Roth option allows you to deposit post-tax contributions.

Roth IRA Share

Roth 1 Year IRA Share Certificate

APY: 4.25% Min Deposit: $500.00

Traditional 1 Year IRA Share Certificate

APY: 4.25% Min Deposit: $500.00

Traditional 1 Year IRA Jumbo Share Certificate

APY: 4.30% Min Deposit: $50,000.00

Roth 1 Year IRA Jumbo Share Certificate

APY: 3.65% Min Deposit: $50,000.00

Roth 2 Year IRA Share Certificate

APY: 4.30% Min Deposit: $1,000.00

Traditional 2 Year IRA Share Certificate

APY: 4.30% Min Deposit: $1,000.00

Traditional 2 Year IRA Jumbo Share Certificate

APY: 4.35% Min Deposit: $50,000.00

Traditional 3 Year IRA Share Certificate

APY: 3.65% Min Deposit: $1,000.00

Roth 3 Year IRA Share Certificate

APY: 3.65% Min Deposit: $1,000.00

Traditional 3 Year IRA Jumbo Share Certificate

APY: 3.70% Min Deposit: $50,000.00

Roth 5 Year IRA Share Certificate

APY: 3.75% Min Deposit: $2,500.00

Traditional 5 Year IRA Share Certificate

APY: 3.75% Min Deposit: $2,500.00

Roth 5 Year IRA Jumbo Share Certificate

APY: 3.80% Min Deposit: $50,000.00

Traditional 5 Year IRA Jumbo Share Certificate

APY: 3.80% Min Deposit: $50,000.00

3 Year Step Up Traditional IRA Share Certificate

APY: 3.60% Min Deposit: $1,000.00

3 Year Step Up Roth IRA Share Certificate

APY: 3.60% Min Deposit: $1,000.00

5 Year Step Up Traditional IRA Share Certificate

APY: 3.70% Min Deposit: $2,500.00 Max Deposit: $2,500.00

5 Year Step Up Roth IRA Share Certificate

APY: 3.70% Min Deposit: $2,500.00

APY (Annual Percentage Yield)

Please answer the following question(s)

How did you find us?*

If Other, please explain below:*

Were you referred by another member for membership?

What is the name of that member? (First and Last Name)

What is the phone number of that member?

Do you have a Promo Code for this application?

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Description

Details

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Maturity Date

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We have cancelled your application.

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Funding

How much do you want to deposit?

Total Deposit

How do you want to fund your new account?

Not Funding At This Time

Credit Card (max $500.00)

Transfer From Another Financial Institution (max $5,000,000.00)

Internal Transfer

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Insufficient Balance

This account does not have sufficient balance to cover the total required deposit.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

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Verify account manually instead

By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Continue Or Go Back

Tell Us About Yourself

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

Please upload your Identification
Important Identification Reminders

Acceptable Forms of ID include a government issued driver’s license or passport
Identification cannot be expired
Address on identification should match address entered on the application. If addresses do not match, additional proof of address documentation will be required to complete application

Click or tap here to capture or upload an image or document.

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

Continue Or Go Back

Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Continue Or Go Back

About Your Joint Applicant

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another financial institution

Co-Driver's License Scan

Driver's License Scan

New Membership

Application Cancelled

Funding

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another financial institution

'Doing Business As' Information

Tell Us About Yourself

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information

Joint Applicant Information