RATES AND FEES
Prime Rate 3.25%
Vehicle Loan Rates*
| Type | Term | APR* new (as low as) | APR used (as low as) |
| Auto | 24 months | 3.99% | 3.99% |
| 36 months | 3.99% | 3.99% | |
| 48 months | 3.99% | 3.99% | |
| 60 months | 4.25% | 4.25% | |
| 72 months | 4.99% | 4.99% | |
| APR* new and used | |||
| Recreational Vehicles | Up to 36 months | 7.00% | |
| 37 to 48 months | 7.10% | ||
| 49 to 60 months | 7.25% | ||
| 61 to 72 months | 7.75% | ||
| 73 to 84 month | 8.25% | ||
| 84 to 144 | 10.50% |
*New First Atlantic loans only. APR = Annual Percentage Rate. Actual rate may vary based on credit-worthiness. To qualify for this APR, direct deposit or automatic debit from a First Atlantic deposit account is required. Rate subject to change at any time.
Mortgage Rates
Click here for the latest mortgage rates.
Home Equity Line Of Credit (HELOC)
As low as 3.99% APR (70% LTV)
Click here for the latest HELOC rates.
* The HELOC is a variable-rate line of credit. The rate will never fall below 3.75% APR. The Annual Percentage Rate (APR) is equal to the Prime Rate as disclosed in The Wall Street Journal as of the 25th of the previous month plus .74% and is subject to change at any time. The current (APR) applies to new HELOCs with 70% combined loan to value (CLTV) ratio to well-qualified applicants with primary residents in NJ, PA and MD. To qualify for this APR, direct deposit or automatic payment from a First Atlantic deposit account and a minimum credit limit of $10,000 is required.
Home Equity Loan
Click here for the latest Home Equity rates
Personal Loans and Lines of Credit
| Loan Type | APR* |
| Personal Loans (unsecured) | as low as 10.85% |
| Personal Lines (unsecured) | as low as Prime plus 7% |
| Savings and Term Secured | Savings/term share rate plus 2.75% |
* The Annual Percentage Rate (APR) shown is for qualified borrowers. Actual rates are determined by individual credit factors and term and are subject to change without notice.
Deposit Rates
| Type | Rate | Yield | Requirements |
| Savings | .15% | .15% | $100 minimum |
| Cool Kids | .50% | .50% | None |
| Saver's Club | .25% | .25% | None |
| Interest Checking | .10% | .10% | $500 minimum |
| Prestige Checking | .10% | .10% | $1,000 minimum |
| Anniversary Checking | .25% | .25% | Balances above $5,000 |
| Anniversary Checking | .50% | .50% | Balances above $25,000 |
| Maximizer Money Market | .15% | .15% | Balances above $1,000 |
| Maximizer Money Market | .25% | .25% | Balances above $10,000 |
| Maximizer Money Market | .50% | .50% | Balances above $25,000 |
| Secuirty Plus Money Market | .50% | .50% | Minimum deposit of $25,000-$50,000 |
| Security Plus Money Market | .50% | .50% | Balance of $50,001-$100,000 |
| Security Plus Money Market | .50% | .50% | Balance of $100,001 + |
| IRA Club Account | .25% | .25% | None |
Certificate Rates
| Type | Rate | Yield | Requirements |
| 1-5 months | 0.30% | 0.30% | $500 minimum |
| 6-11 months | 0.40% | 0.40% | $500 minimum |
| 12-17 months | 0.60% | 0.60% | $500 minimum |
| 18-23 months | .80% | .80% | $500 minimum |
| 24-35 months | 1.25% | 1.25% | $500 minimum |
| 36-47 months | 1.75% | 1.75% | $500 minimum |
| 48-60 months | 2.23% | 2.25% | $500 minimum |
General Fees
| Fees | Amount | Description |
| Return Deposit | $20.00 | A deposit/payment check was posted to your credit union account and returned unpaid to the credit union. |
| Paid Check Copy | $3.00 each | A copy of a check. |
| Cancelled Official Check Copy | $5.00 | |
| Deposit Item Copy | $3.00 | |
| Statement Copy/Account Activity Printout | $5.00 each | A copy of your statement. The fee is waived if request is made within 60 days of statement date. |
| Collection Item | $30.00 (plus actual cost) | Extension agreeements, modifications, workouts |
| Foreign Check Collection | $25.00/item | Foreign Check Collection efforts on performed on your behalf. |
| Legal Processing | $100.00 | Processing a State or Federal tax levy, or other governmental or court order. |
| Research/Reconciliaton | $30.00/hr. | Research done at your request (e.g., retrieving account records). A $25.00 minimum charge for requests made within 60 days of statement date. Requests made more than 60 days after the statement date will be billed $25.00/hr with a $25.00 minimum charge. |
| Photo Copies | $3.00 each | Photocopy services. |
| Starter/Temporary Check | $0.75 after 2 | First 2 are free |
| ATM/Debit Card (periodic) | $2.00/month | Monthly fee to use cards. The fee is waived with minimum aggregate deposit of $10,000, with direct deposit into a checking account or with E-checking $10,000 or if you have direct deposit. |
| Replace lost ATM/Debit Card | $5.00 each | |
| Official/Certified Check | $5.00 each | A credit union issued check, also known as a cashier's check. |
| Counter Check | $7.00 | |
| Commercial Money Order | $10.00 each | Western Union fee will also be paid by member |
| Check Printing | Starting at $13.61 per 150 | |
| Notary fee (non-member) | $5.00 |
Account Fees
| Fees | Amount | Description |
| Transfers | $10.00 each | Transfer from savings to cover overdraft balance in checking. |
| Dormant Account | $10.00 per month | An account is dormant for one year if therehas been no activity in the account. A fee will be assessed after 2 years if the aggregate balance of all share accounts is less then $250, member has no other share accounts, loans, term share accoutns or IRAs and no deposits or withdrawals have been make by the account holder. |
| Stop Payment | $25.00 each | A request to stop payment on a check you have written. |
| Bill Pay Stop Payment | $25.00 each | A request to stop payment on an onine bill pay item. |
| Non-sufficient Funds | $38.00 each | A check, ACH transfer, or debit card purchases drawn on your account, issued manually or through electronic bill-payment systems, is returned unpaid by the credit union due to insufficient funds and/or insufficient Overdraft Protection. |
| Overdraft Privilege | $38.00 per item | |
| Overnight Sweep | $5.00 per month | At the end of each business day, balances in a checking account over $1000 are automatically swept into a First Atlantic interest earning account of your choice. The next day your funds are swept back into your checking account. This service is free for Prestige Checking accounts |
| Account Reinstatement | $20.00 | If closed due to NSF,ODP etc. |
| Postal Change of Address | $1.00 |
Electronic Funds Transfer Fees
| Fees | Amount | Description |
| Stop Payment on ACH | $25.00 each | A stop payment on an ACH transfer or all ACH transfers originating from one payee. |
| Stop Payment on Electronic Funds Transfer | $25.00 each | A request to stop payment on an electronic funds transfer the credit union made on your behalf. |
| Domestic Wires | $20.00 each | A wire sent to another institution. |
| Foreign Wires | $30.00 each | A wire sent to another institution outside of the United States |
| Incoming Wires | $10.00 each | A wire sent from another financial institution. |
| Check By Phone | $6.00 each | Telephone ACH |
Rates are subject to change without notice. All fees and charges are disclosed, in full, at the time of application.
