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Business Certificates

Improve your earnings without risking any of your company’s cash assets. Simply pick the term and your funds earn a guaranteed fixed rate. And guaranteed is always a good thing for your bottom line.

We offer a wide variety of terms to accommodate your business plan. By laddering maturity dates, you can add liquidity to your investments. Earn an even bigger return with Step-Up and Rippling Wave Certificates. Explore your options — talk to an Atlantic representative today.


  • Higher returns than savings accounts
  • Fixed rates for length of term
  • Terms range from 3 months to 5 years
  • Early withdrawal penalties apply*
  • Renews automatically upon maturity after 10-calendar-day grace period
  • $500 minimum deposit to open ($100 minimum for 3-month certificate only)
  • One-time rate increase
  • Available on 5-year terms only
  • Length of term cannot be altered from original terms
  • Enjoy extra flexibility with the security of a fixed rate
  • Make additional deposits** before certificate matures
  • Earn higher payouts
  • Dividends may be withdrawn at anytime without incurring penalty (180 days of dividends)
  • Available for 18-month terms only

*Penalties may vary depending on the rate of certificate and time of withdrawal. 

**Additional deposits must be a minimum of $500.