Estate planning at Atlantic FCU
How to protect 14 Atlantic FCU accounts — manage beneficiaries in-branch, fund a trust in-branch, and file death claims
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
Lost/Stolen Debit Card
Lost/Stolen Credit Card (Domestic)
Lost/Stolen Credit Card (International)
WebsiteLearn more→
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
Lost/Stolen Debit Card
Lost/Stolen Credit Card (Domestic)
Lost/Stolen Credit Card (International)
WebsiteLearn more→
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
WebsiteNotify online→
Verified Apr 2026
Atlantic FCU offers 14 accounts, each with its own rules for what happens when a member dies. As a membership-based credit union, Atlantic FCU headquartered in Biddeford, ME. 11 branches in Biddeford, Brunswick, Cumberland, Freeport, Saco, Sanford, South Sanford, Scarborough, Topsham, Westbrook, and York. Membership open to those who live, work, worship, or attend school in Androscoggin, Cumberland, Sagadahoc, or York County in Maine. Family members of existing members and businesses in these counties are also eligible. Once a member, membership is retained for life even if the qualifying relationship changes. Access to 230+ SURF surcharge-free ATMs in Maine and 5,000+ shared branches nationwide through the CO-OP network. Some transfer automatically to a named beneficiary, others can be held in a trust, and a few may require probate if no plan is in place.
Atlantic FCU lets account holders update beneficiary designations in branch, by mail, and by phone, typically taking 15-30 minutes in branch. Trust funding is also available, allowing families to retitle accounts into the name of a revocable living trust.
Atlantic FCU provides specific procedures for both proactive estate planning and filing claims after a death.
Preparing your estate
Beneficiaries and trust funding
How to update beneficiaries in-branch, fund a trust in-branch, and review 14 account types at Atlantic FCU.
View details →When someone dies
Death claim process
4-step process, 5 required documents, and contact information for survivors.
View details →Because Atlantic FCU serves a limited number of states, procedures for trust funding and beneficiary changes may differ depending on your location. Verify availability before starting.
Frequently asked questions
Kasasa Cash earns high dividends (up to 5.00% APY Premier or 2.50% APY Standard) on balances up to $15,000 when monthly qualifications are met. Kasasa Cash Back earns 2.50% cash back on up to $250 in monthly debit card purchases (up to $75 annually). Both require at least 1 direct deposit/ACH/Bill Pay transaction, eStatement enrollment, and 12+ debit card purchases per month to qualify. Both have no monthly fees and ATM fee refunds up to $25/month.
Membership is open to individuals who live, work, worship, or attend school in Androscoggin, Cumberland, Sagadahoc, or York County in Maine. Family members of existing members and businesses or organizations in these counties are also eligible. Once a member, membership is retained for life even if the qualifying relationship changes. A $25 minimum deposit to a Member Savings Account establishes membership. You can join at any branch, online, or via Video Banking.
Yes. Atlantic Financial Services, a credit union service organization wholly owned by Atlantic FCU, offers investment planning, retirement planning, education funding, mutual funds, stocks and bonds, guided wealth portfolios, tax planning, and estate planning. Services are provided through LPL Financial (Member FINRA/SIPC) and Northeast Planning Associates, Inc. Investment products are not NCUA insured and may lose value. Contact Atlantic Financial Services at (207) 373-5124.
Yes. Atlantic FCU offers trust accounts for deposit products including checking, savings, money market, and share certificates. Visit any of the 11 branch locations with your trust agreement or certification of trust, government-issued photo ID for all trustees, and the trust tax identification number (SSN or EIN). Existing accounts can be retitled into the trust name, or new trust accounts can be opened. IRA and HSA accounts cannot be retitled to a trust but can name a trust as beneficiary on IRA accounts.
Atlantic FCU offers share certificates with terms from 3 months to 5 years. The 3-month term requires a $100 minimum deposit; all other terms require $500. The 18-month Rippling Waves certificate allows supplemental deposits ($500 minimum). The 5-year Step-Up certificate includes a one-time rate increase option. Certificates renew automatically after a 10-calendar-day grace period at maturity. Early withdrawal penalties apply and vary depending on the certificate rate and time of withdrawal.
Atlantic FCU offers Traditional IRA, Roth IRA, SEP IRA, and Coverdell Education Savings Account (ESA). IRAs are available as IRA savings accounts with tiered rates (0.05% to 0.50% APY) or as IRA certificates with terms from 6 months to 5 years including a Step-Up option on the 5-year term. No minimum deposit and no setup or maintenance fees. Beneficiaries are designated via a separate IRA Beneficiary Designation form.
Sources
Data sourced from Atlantic FCU primary sources (16 pages reviewed). How we research.
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
Lost/Stolen Debit Card
Lost/Stolen Credit Card (Domestic)
Lost/Stolen Credit Card (International)
WebsiteLearn more→
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
Lost/Stolen Debit Card
Lost/Stolen Credit Card (Domestic)
Lost/Stolen Credit Card (International)
WebsiteLearn more→
Member Services
Phone1-207-571-3500
Toll-Free1-800-834-0432
Fax1-207-517-2754
Mailing Address
Atlantic Federal Credit Union, P.O. Box 163, Biddeford, ME 04005-9998
WebsiteNotify online→
Verified Apr 2026
Estate planning articles
Learn how to protect your Atlantic FCU accounts and other assets with trusts, beneficiary designations, and estate planning documents.
