Atlantic Regional Federal Credit Union
600 Sable Oaks Dr Suite 100
South Portland, ME 04106
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2022 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 $987.78 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 | $987.78 million |
| Loans | $648.79 million |
| Deposits | $883.47 million |
| Capital | $98.35 million |
Field of Membership Restrictions
Deposit Rates - June 27, 2022
Your Current Location: California, CA 92111
| 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 - June 27, 2022
Your Current Location: California, CA 92111
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 - California 30 Year Fixed Mortgage Rates 2022
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 330511 |
5.830% | 5.750% | 0.88 | $2,188 | $1,459 | Learn More |
NMLS ID: 1708856 License#: 02058287 |
5.348% | 5.250% | 0.63 | $2,758 | $1,381 | Learn More |
NMLS ID: 503941 |
5.853% | 5.750% | 0.63 | $2,880 | $1,459 | Learn More |
NMLS ID: 3030 |
6.129% | 5.990% | 1.00 | $3,750 | $1,498 | Learn More |
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:
San Diego,California
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 |
|---|---|
| 4.27% | 4.85 |
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 December 31, 2021, Atlantic Regional had $4,446,432 in non-current loans and $6,453 in owned assets. To cover these potential losses it had $98,354,294 in net worth and $6,008,031 in loans loss reserves. That gives it a Texas Ratio of 4.27%.
Net Worth
| Atlantic Regional | U.S. Average |
|---|---|
| 9.95% | 12.36% |
Atlantic Regional FCU has a net worth of 9.95% versus the BestCashCow average of 12.36. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for ATLANTIC REGIONAL
SAVESALOT
September 14, 2021
Great Institution!
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