Atlantic Regional Federal Credit Union
600 Sable Oaks Dr Suite 100
South Portland, ME 04106
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2021 Overview
General Credit Union Information
Atlantic Regional is an NCUA insured institution located in South Portland, ME. It was founded in 1941 and has approximately $930.33 millions in assets.
Who can join?
Persons who live, work, worship, or attend school in, and businesses and other legal entities located in the Maine counties of Cumberland and Sagadahoc.
Spouses of persons who died while within the field of membership of the credit union.
Employees and volunteers of this credit union, members of their immediate families, any relatives of an existing member and any organizations of such persons.
Organizations who provide economic assistance to people within the above-described area through the purchase of shares of this credit union.
| NCUA Insured | Yes / Federally Chartered |
| Charter Number # | # 4281 |
| Date Established | 1941 |
| Assets | $930.33 million |
| Loans | $619.10 million |
| Deposits | $826.99 million |
| Capital | $93.82 million |
Field of Membership Restrictions
Deposit Rates - October 19, 2021
Your Current Location: Connecticut, CT 06828
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.25% | $10,000 | $14,999 |
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|
|
Money Market
|
0.25% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.60% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.60% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.75% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.75% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| Variable IRA Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Var IRA
|
0.10% | $1 | $499 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Kasasa Cash | 1.50% | $0 | $0.00 | Learn More |
Loan Rates - October 19, 2021
Your Current Location: Connecticut, CT 06828
There are currently no loan rates available for ATLANTIC REGIONAL
Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:
Featured - Connecticut 30 Year Fixed Mortgage Rates 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 541760 |
3.118% | 3.050% | 0.88 | $2,190 | $1,061 | Learn More |
NMLS ID: 330511 |
3.149% | 3.125% | 0.25 | $760 | $1,071 | Learn More |
NMLS ID: 3030 |
3.590% | 3.500% | 0.63 | $2,812 | $1,123 | Learn More |
NMLS ID: 424182 |
2.908% | 2.875% | 0.38 | $1,075 | $1,038 | Learn More |
Featured - Connecticut Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Bethpage Federal Credit Union See Table |
Intro APR 2.990 % After Intro: 3.750 % Intro Period: 12 months |
$25,000 |
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More Info |
Third Federal Savings and Loan See Table |
2.240 %
|
$0 |
Learn More
More Info |
Note to ATLANTIC REGIONAL
To upload and update your bank's rates please register.
It is free to register and add rates.
Branches
Below are Atlantic Regional branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.
Your Location:
Fairfield,Connecticut
Climate Initiatives
ATLANTIC REGIONAL is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
Financial Details
Atlantic Regional Ratio Analysis
The following ratios and data are available to help you better understand the financial condition of Atlantic Regional. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.
Texas Ratio
| Atlantic Regional | U.S. Average |
|---|---|
| 0.97% | 3.79 |
The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.
As of June 30, 2021, Atlantic Regional had $967,370 in non-current loans and $6,453 in owned assets. To cover these potential losses it had $93,824,874 in net worth and $6,883,267 in loans loss reserves. That gives it a Texas Ratio of 0.97%.
Net Worth
| Atlantic Regional | U.S. Average |
|---|---|
| 10.08% | 12.22% |
Atlantic Regional FCU has a net worth of 10.08% versus the BestCashCow average of 12.22. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Frequently Asked Questions About Atlantic Regional
Branches and Savings
What is Atlantic Regional?
A federal credit union, registered with the NCUA under certificate #4281.
Learn more about credit unions here.
Is Atlantic Regional FDIC insured?
No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Atlantic Regional is insured by the NCUA.
Who can join Atlantic Regional?
Please see Field of Membership information above for information on who is eligible to join.
How big is Atlantic Regional?
Atlantic Regional has total capital of $93.82 million. Full information on Atlantic Regional's financial position is located above.
Who owns Atlantic Regional?
Credit Unions are owned by their members.
Where are Atlantic Regional branches located?
See branch locations nearby.
Are Atlantic Regional ATMs Open 24/7?
Do Atlantic Regional ATMs accept cash deposits?
Can Atlantic Regional customers use other ATMs? What is the charge for withdrawing money from another ATM?
Does Atlantic Regional have a mobile app?
Does Atlantic Regional have mobile deposit?
Does Atlantic Regional have quick pay?
How can Atlantic Regional transfer money to other banks or credit unions?
Does Atlantic Regional report to credit bureaus?
Does Atlantic Regional use Chexsystems?
Does Atlantic Regional use Equifax?
What is Atlantic Regional's toll free phone number?
What is Atlantic Regional's ACH Routing Number?
What is Atlantic Regional's SWIFT code?
Where can I find Atlantic Regional's wire transfer form?
What is the Atlantic Regional address for deposits?
What Products Does Atlantic Regional Offer
Does Atlantic Regional offer home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
SAVESALOT
September 14, 2021
Great Institution!
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