Here’s what you’ll need to open your account:

  1. Your Photo ID (Driver's License, State ID, Passport, Military ID or Alien Registration Card)
  2. Your Social Security Number

How would you like to open your account?

Video Banking     Online

Rates effective as of February 14, 2024.

All rates are subject to change. Fees may reduce earnings. Penalty for early withdrawals for share certificates.

Must meet lending qualifications. Additional rates and terms are available. APR* and term are based on your credit rating, ability to repay and type of collateral (when applicable).

APY = Annual Percentage Yield. APR = Annual Percentage Rate.

Jump to Loan Rates

Account Rates

Kasasa Cash* Learn More

Standard Rewards Balance Minimum Required Opening Deposit Rate APY
$0 - $15,000 $0 2.96% 3.00%
$15,000+ $0 0.25% 3.00% to 0.61%
All balances if qualifications not met $0 0.05% 0.05%
Premier Rewards Balance Minimum Required Opening Deposit Rate APY
$0 - $15,000 $0 4.89% 5.00%
$15,000+ $0 0.25% 5.00% to 0.87%
All balances if qualifications not met $0 0.05% 0.05%

Qualifications

Earning the full rewards is so easy, you're probably already doing it! To earn your rewards, simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • At least 12 debit card purchases to earn the standard 3% APY rate, OR at least 30 debit card purchases to earn the premium 5% APY rate
  • At least 1 ACH direct deposit, ACH automatic withdrawal, or Bill Pay payment
  • Be enrolled in and agree to receive eStatements

If you don't meet the qualifications one month, don't worry. There is no penalty, and you still have a free checking account that earns our base interest rate. Plus, you can get back to earning really high interest and nationwide ATM fee refunds the very next month. No minimum balance requirement

Kasasa Saver* Learn More

Balance Rate APY
$0 - $1,000,000 3.93% 4.00%
$1,000,000 + 0.25% 4.00% to 3.66%
All balances if qualifications not met 0.05% 0.05%

 

 

Qualifications

Qualifying for Kasasa Cash rewards automatically qualifies you for the highest Kasasa Saver rate too. Simply do the following activities and transactions in your Kasasa Cash account each monthly qualification cycle:

  • Have at least one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa Account
  • Have at least 12 debit card purchases post and settle
  • Be enrolled in and agree to receive eStatements

It's no problem if you miss a qualification cycle. Both accounts are still free and earn our base interest rate. And you can get back to earning rewards the very next month you qualify. No minimum balance requirements.

Deposit Accounts

Account Type Minimum Required Opening Deposit Dividend Rate APY
Member Savings $25 0.05% 0.05%
Clubs No Min. Balance 0.05% 0.05%
Business Savings $25 0.05% 0.05%

Premium Business Checking Learn More

Balance Dividend Rate APY
Up to $24,999.99 0.10% 0.10%
$25,000 - $49,999.99 0.20% 0.20%
$50,000 - $99,999.99 0.30% 0.30%
$100,000 and over 0.50% 0.50%

 

Share Certificates Learn More

Type Minimum Required Opening Deposit Dividend Rate APY
3 Mo. Share Certificate $100 1.98% 2.00%
6 Mo. Share or IRA Certificate $500 3.93% 4.00%
10 Mo. Share or IRA Certificate $500 4.51% 4.60%
1 Year Share or IRA Certificate $500

4.17%

4.25%
18 Mo. Rippling Waves Share or IRA Certificate - allows add'l ($500 minimum) deposits $500 2.96% 3.00%
2 Yrs. Share or IRA Certificate $500 2.72% 2.75%
30 Mo. Share or IRA Certificate $500 2.08% 2.10%
3 Yrs. Share or IRA Certificate $500 2.08% 2.10%
4 Yrs. Share or IRA Certificate $500 2.28% 2.30%
5 Yrs. Step-Up Share or IRA Certificate - allows 1-time rate increase $500 2.47% 2.50%

Use our Share Certificate Calculator to determine your potential earnings.

Money Market Learn More

Balance Dividend Rate APY
$1,000 - $4,999 (Savings) 0.50% 0.50%
$2,500 - $4,999 (Checking) 0.50% 0.50%
$5,000 - $9,999 0.99% 1.00%
$10,000 - $49,999 1.49% 1.50%
$50,000 - $99,999 1.98% 2.00%
$100,000 - $249,999 2.47% 2.50%
$250,000 - $499,999 3.93% 4.00%
$500,000 - $749,999 3.93% 4.00%
$750,000 - $999,999 3.93% 4.00%
$1,000,000 + 3.93% 4.00%

 

Individual Retirement Accounts (IRAs) Learn More

Balance Dividend Rate APY
$0 - $4,999 0.05% 0.05%
$5,000 - $9,999 0.25% 0.25%
$10,000 - $49,999 0.30% 0.30%
$50,000 - $99,999 0.40% 0.40%
$100,000+ 0.50% 0.50%

Health Savings Account (HSA) Learn More

Balance Dividend Rate APY
$0 - $999 0.05% 0.05%
$1,000 - $4,999 0.25% 0.25%
$5,000+ 0.30% 0.30%

Loan Rates

New/Used Automobiles & Harley Motorcycle Rates Learn More

Term APR* Payment per $1,000**
36 Months As low as 5.99% $30.49
48 Months As low as 5.99% $23.54
60 Months As low as 6.24% $19.50
72 Months As low as 6.74% $16.98
84 Months As low as 7.49% $15.39

Recreational Vehicles & Street Motorcycles Learn More

Term APR* Payment per $1,000**
36 Months As low as 6.99% $30.96
48 Months As low as 6.99% $24.01
60 Months As low as 7.24% $19.98
72 Months As low as 7.74% $17.47
84 Months As low as 8.49% $15.89

**As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The recreational vehicle must be a 2021 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 6.99% APR, equals $30.96. Rates subject to change without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.

Large Recreational Vehicles (Boats, Campers, Motor Homes) Learn More

Term APR* Payment per $1,000**
120 Months As low as 8.49%** $12.45
180 Months As low as 8.74%** $10.03
240 Months As low as 8.99%** $9.03

 

**Large Recreational as low as rate includes direct deposit discount of 0.25%, AND 0.50% discount for down payment of 20% of the purchase price or book value, whichever is lower. 100% financing is available at other rates and terms. The vehicle must be a 2021 model or newer, and the retail value as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 120 months at 8.49% APR equals $12.45. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.

Better than a Lease Learn More

Term APR* Payment per $1,000**
36 Months As low as 7.49% $31.20
48 Months As low as 7.49% $24.25
60 Months As low as 7.74% $20.22
72 Months As low as 8.24% $17.71

Personal Loan Learn More

Term APR* Payment per $1,000**
12 Months As low as 10.75% $88.65
36 Months As low as 12.75% $33.75
60 Months As low as 13.75% $23.27

Visa Credit Cards Learn More

Card Introductory Rate APR*
Visa Platinum 2.49% APR* for 12 Billing Cycles Non-Variable As low as 11.49%
Visa Signature® 2.49% APR* for 12 Billing Cycles Variable As low as 15.50%
Visa Secured None Non-Variable As low as 17.99%

*As low as rate includes direct deposit discount of 0.25%. 

**Repayment amounts will vary depending on the term. This example is estimated for the maximum term.