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New Membership

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Eligibility

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 may also ask to see your driver’s license or other identifying documents. Before we continue, here's a reminder of what you'll need to open an account:

  1. Your valid Photo ID (Driver's License, State ID, Passport, Military ID or Alien Registration Card),

  2. Your Social Security Number,

  3. $25.00 to fund your new Savings Account, and

  4. If you can select one of the Eligibility options below, then you're set to become a member of Atlantic Federal Credit Union!
Select your eligibility
I live, work, worship or go to school in Androscoggin, Cumberland, Sagadahoc or York county (Maine).
I am related to someone that is an EXISTING MEMBER of Atlantic Federal Credit Union.
The name of my family member is:
I am an EXISTING MEMBER of Atlantic Federal Credit Union.
My current Member Number is:
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Required Products
Select the following products required for membership

Select one of the following products
Member Savings

Member Savings entitles you to all the benefits of basic membership by providing a convenient, affordable, easy way to manage your money.

APY: 0.05%

Available Products
Kasasa Cash Back

Kasasa Cash Back is a free checking account that pays 2.50% cash back on Debit Card purchases** with no minimum balance, no monthly fees, free Online Banking and nationwide ATM fee refunds!

APY: 0.00%

Kasasa Cash

Kasasa Cash is a free checking account that pays high interest** in cash every month with no minimum balance, no monthly fees, free online banking and nationwide ATM fee refunds.

APY: 1.50%

Money Market Checking

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Member Checking

Member Checking entitles you to all the benefits of basic membership by providing a convenient, affordable, easy way to manage your money. Benefits include no maintenance, minimum balance or per-check fees and unlimited check writing.

APY: 0.00%

Money Market Savings

Maximize returns while minimizing effort. With our money market account, your balance does the heavy lifting. Have it all, all in one place — earning potential and flexibility!

Minimum Opening Deposit: $1,000.00

Dividend Calculation Method: Average Daily Balance**

Available Rates

Balance in Money Market Savings Rate APY
$2,500.00 to $4,999.99 0.25% 0.25%
$5,000.00 to $9,999.99 0.25% 0.25%
$10,000.00 to $49,999.99 0.25% 0.25%
$50,000.00 to $99,999.99 0.25% 0.25%
$100,000.00 to $249,999.99 0.30% 0.30%
$250,000.00 to $499,999.99 0.40% 0.40%
$500,000.00 or greater 0.50% 0.50%

All Purpose Club

An All Purpose Club is a "second savings" that is ideal for any planned savings like taxes, household expenses or that special item you've got to have.

APY: 0.05%

Holiday Club

We know saving money isn’t always easy — even if you have a specific goal in mind, so we decided to give you a helping hand. A Holiday Club is a "second savings" opened under your account that is ideal for planned holiday savings! The Holiday Club matures on October 10th of every year and the funds can be automatically transferred into another Atlantic FCU account.

APY: 0.05%

Vacation Club

A Vacation Club is a "second savings" opened under your account that is a convenient way to save for your vacation! The Vacation Club matures on April 1st of every year and the funds can be automatically transferred into another Atlantic FCU account.

APY: 0.05%

Kasasa Cash + Kasasa Saver

Make even more of your money by linking Kasasa Cash to free Kasasa Saver. Life gets even more rewarding with Kasasa Cash checking, a free checking account pays you for doing things you probably already do! 

Unlike the big banks that make sure the rich get richer, we reserve high dividends for balances of $10,000.00 or less. Plus, you'll get ATM withdrawal fee refunds all across the country!**


Included Products

Kasasa Cash+

Kasasa Cash is a free checking account that pays high interest** in cash every month with no minimum balance, no monthly fees, free online banking and nationwide ATM fee refunds.

APY: 1.50%


Kasasa Saver

Kasasa Saver is a free, high interest saver account linked to a Kasasa Cash checking account that earns massive interest and puts savings on autopilot.

APY: 0.75%

APY (Annual Percentage Yield)
Please answer the following question(s)
How did you hear about us?*
Marijuana-Related Businesses (MRBs): Although marijuana (including hemp and CBD) has achieved legal status in Maine, the production and sale of marijuana is still against Federal law. The regulatory requirements for opening accounts of this nature are excessive and are a high risk to the Credit Union, and we will not open these types of accounts until State and Federal laws are aligned.

Do you understand and accept that your account with Atlantic FCU CANNOT be used for the establishment of marijuana dispensaries, medical marijuana caregiver services or any other marijuana-related business? *
Will there be a Joint Owner on this new account?

*
Will everyone on this new account intend for the money remaining upon their death to be owned by the surviving owner or owners?

If you answer "No" we will not be able to open an account as we do not offer Joint Accounts without Survivorship Rights.

*
What word or phrase would you like to use as a Verbal Password when calling into the Credit Union?

A Verbal Password is spoken over the phone to verify your identity. When you call us, we will ask you questions that are intentionally difficult for identity thieves and scammers to answer, but relatively easy for you – and your Verbal Password will be one of them.

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Thank you for considering us for your financial services needs. We are sorry that we cannot continue with your application for the following reasons:

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If this was a mistake and you would like to fix errors you can return to the application now.


Funding

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

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Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
Funding is required to complete your account activation. If you choose to fund later, a representative will reach out to you. This may delay your account activation.
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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.
By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

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'Doing Business As' Information
DBA Business Information
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Your Business Tax ID is used for identification purposes.
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
DBA Physical Address

Tell Us About Yourself

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Tell Us About Yourself
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

IDIcon Photo ID: Front Image Requirement 

If you've used your Driver's License, State ID, Passport or Alien Registration Card on this application, please upload or take a picture of THE FRONT of it, showing your face. 

If you've used your Military ID or are a senior citizen without valid Photo ID, no further action is required.

Please note that access to some services may be restricted if a valid Photo ID is required and not provided to the Credit Union. See Consumer Membership Account Agreement and Disclosures for more information.


Additional Information
For tax-reporting purposes, what is your Citizenship status?*
Have you been told by the Internal Revenue Service (IRS) that you are subject to Backup Withholding?*
Are you a FOREIGN politician, related to a FOREIGN politician, a friend/associate of a FOREIGN politician or do you work for a FOREIGN entity?*
Select all that apply:*
Do you derive any revenue or income from marijuana or marijuana related businesses (MRBs), including hemp or CBD?*
How do you derive revenue or income from MRBs?*
Will this account be used for your MRB in any capacity including but not limited to managing cash flow, aggregating sales, issuing payroll, etc.?*

Co-Driver's License Scan

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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

Driver's License Scan

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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

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.

Minor Applicant Information

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Tell Us About Yourself

Joint Applicant Information

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About Your Joint Applicant
Personal Information
SSN IconLock SSN IconQuestion
Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.
Current Physical Address
Contact Information
Identification
About Your Employment

IDIcon Photo ID: Front Image Requirement 

If you've used your Driver's License, State ID, Passport or Alien Registration Card on this application, please upload or take a picture of THE FRONT of it, showing your face. 

If you've used your Military ID or are a senior citizen without valid Photo ID, no further action is required.

Please note that access to some services may be restricted if a valid Photo ID is required and not provided to the Credit Union. See Consumer Membership Account Agreement and Disclosures for more information.


Additional Information
For tax-reporting purposes, what is your Citizenship status?*
Have you been told by the Internal Revenue Service (IRS) that you are subject to Backup Withholding?*
Are you a FOREIGN politician, related to a FOREIGN politician, a friend/associate of a FOREIGN politician or do you work for a FOREIGN entity?*
Select all that apply:*
Do you derive any revenue or income from m