Credit Cards
Which card is right for you?
When it comes to choosing a credit card, The Atlantic Federal Credit Union puts you in control of selecting the card that best suits your needs.
Our various card offerings allow you to flex the purchasing power of Visa® along with collecting some great perks. All our card offerings can be conveniently managed online and are equipped with Digital Wallet compatibility.
Visa® Signature Card
Best For
Earning Cash Back and Perks
APR*
No Interest for 15 Months on Balance Transfers**
then 17.24% - 17.99% APR*
Rewards
Unlimited 2% Cash Back
Annual Fee
NO
Low-Rate Card
Best For
Low Competitive Rates
APR*
13.24% - 17.99% APR*
Rewards
NO
Annual Fee
NO
Secured Card
Best For
Building or Establishing Credit
APR*
17.99% APR*
(up to $2,500 credit limit via fully refundable deposit)
Rewards
NO
Annual Fee
$25
Visa® Signature Card and Low-Rate Card are subject to credit approval.
*APR = Annual Percentage Rate.
**Limited-time offer. Rate and offer current as of 05/08/2025. 0.00% introductory Annual Percentage Rate (APR) for 15 months from date of first transfer for balance transfers completed within 120 days of account opening. After that, your APR will be a 17.24% to 17.99% variable APR based on creditworthiness. This APR will vary with the market based on Prime Rate. A balance transfer fee of 3% of the amount of each transfer applies.
Questions?
Visit a branch or call us at 908.245.1750.
Community Banking At Its Best
The Atlantic Federal Credit Union offers many of the same services as a bank, often with better rates and lower costs. As a not-for-profit financial cooperative, our only priority is meeting the needs of our Members. We pride ourselves on delivering personalized service backed by the latest in digital banking technology so you can bank whenever and wherever is most convenient for you. Plus, we exclusively serve Essex and Union counties in New Jersey, which means your hard-earned deposits are kept secure locally and loans are serviced locally.
Not Yet a Member?
Apply today to unlock all of the Membership benefits at The Atlantic, including great rates, low fees, access to the latest in online and mobile banking technology, and much more.
Who is Eligible for Membership?
Membership is available to anyone who lives, works, worships, attends school or regularly does business in Union or Essex counties in New Jersey. Businesses and legal entities in Essex or Union counties are also eligible.
Immediate family members of existing members, including your spouse, children, siblings, parents, grandparents, grandchildren, stepchildren, stepparents, stepsiblings and adopted children, are also eligible for Membership. Non-related individuals living in the same household can also qualify.
Not sure if you are eligible? Call us at 908.245.1750.
