What's New?

New E-Statement Delivery System

Starting with April statements, E-Statements are being sent via a new, improved delivery system. Here are some of the changes:

• To improve security, E-Statements will be located behind @nytime Financial Center, under the Products and Services tab.
• You need to be registered for @nytime Financial Center to receive E-Statements.
• The previous 12 months of your statements will be automatically stored for you to access at our website any time so you don't have to save them yourself. (As of May 2008, six months of historical statements are available on line. This will grow to the previous 12 months during the coming months.)

E-Statements continue to be a great way to eliminate wasted paper and simplify account maintenance. You will get your statements sooner than the traditional mail delivery. Plus, your account information is protected with the latest encryption technology and security features.

Click here for more information and to sign up.

Rates Cut on Home Equities, 2nd Mortgages & Vehicle Loans

Just in time for spring home improvement projects or your New or Used Vehicle purchase, we’ve cut rates on Home Equities, 2nd Mortgages & Vehicle Loans.  This rate reduction also applies to motorcycle and boat loans.  Click here for current loan rates.  Then apply on-line for the loan you desire.

With Vehicle Loans, don’t forget that you can get the loan approved with us before you go car shopping.  You’ll have more leverage with the dealer knowing your financing is already secured.

Home Equity Payments Reduced

The rates on all Home Equity Loans were lowered by ¾% on April 1 – a month earlier than the scheduled date.  This is the second time this year we have lowered these rates!  Since this rate decrease is considerably more significant than in the past, we have lowered your monthly payment to reflect the change.

If you prefer to maintain your former scheduled payment, you may do so by contacting our Real Estate Department at 1-800-222-1329, option 3.  Or fax your request to 908-245-4798.  Please note that maintaining your previous payment will accelerate you loan payoff.

New Visa Card Has Rewards & Online Access

Atlantic Federal, in association with Elan Financial Services is offering members an exciting new Visa® credit card program with rewards.

Former Credit Union Visa® account holders have been issued Elan Visa Select Rewards cards. 

Click here to access your Visa® account online or go to "Electronic Services" along the left side of our homepage and click on "Visa Online."  At this link you can check your Visa® balance, due date and minimum payment due as well as make payments.  You can also check your rewards points, view reward options and redeem points.

Don't have a Visa® card through Atlantic Federal?  Our program has seven consumer card options and four business card options - all with outstanding benefits, including great low rates.  There are also fantastic options for young adults and college students looking to establish credit.  Here's a look at some of the choices:

• Earn cash on everyday purchases with the Atlantic Federal Cash Rewards Card.
• Earn rewards for every dollar spent with the Atlantic Federal Select Rewards Card.  Select from a wide variety of rewards including electronics, restaurants, retailers, travel or choose your own rewards by simply making a purchase virtually anywhere and redeeming it for points.
• Enjoy superior purchasing power and exceptional benefits with the Atlantic Federal Signature Card.  Redeem points for travel, merchandise, gift certificates and more.  In addition, you have access to concierge services and dining privileges.

Click here for full details of our Visa® program and applications.

Protect Your ID with LifeLock

The Credit Union has partnered with LifeLock to offer Members proactive identity theft protection at discounted rates.

When you enroll in LifeLock, alerts are placed with all three major credit bureaus to prevent new credit from being established until you have been contacted by the creditor to confirm it’s really you making the application.

LifeLock also provides:

Credit fraud alerts on your behalf
Free annual credit reports on your behalf
Reduced junk mail & reduced pre-approved credit card offers
Proactive identity theft protection
$1 million service guarantee

You are invited to take a 30-day free trial of the service. Thereafter, Members receive a 10% discount on the service paying just $9 per month. Click here to learn more and enroll. Use promotion code ATLFEDCU to get the discount.

Life Costs Less with Benefits Plus®

Have you used Benefits Plus®, our value club program for members with Checking Accounts? With Benefits Plus, you and your family will save money on vacations, restaurants, movies, theme parks, groceries and more.  Learn more about these valuable services at the Benefits Plus website.  Once you see what’s available, you’ll want to open a Benefits Plus Checking Account and begin a 3-month free trial.   Afterwards, there is a modest $3 monthly charge to help defray the program's cost. You may opt out of this service anytime and switch to free Checking by calling the Credit Union.