We've got your home heating handled.
If you’ve filled your tank lately, you know. An Atlantic heating fuel loan helps you cover the season’s fuel bill in one simple loan — $1,000 to $5,000, a full year to pay it back, and a decision made right here.
- Borrow $500 to $5,000
- 12-month term*
- Simple application
- Quick, local decision-making
What keeps your home cozy?
This loan can help with the cost of a variety of heating fuel options:
- Kerosene
- Oil
- Propane
- Pellets
- Wood
Simple terms. No surprises.
Borrow what you need, pay it back over 12 months, and know your finance charge up front.
| Loan amount | Finance charge* |
|---|---|
| $1,000–$1,499.99 | $59.00 |
| $1,500–$1,999.99 | $89.00 |
| $2,000–$2,499.99 | $119.00 |
| $2,500–$2,999.99 | $139.00 |
| $3,000–$3,999.99 | $159.00 |
| $4,000–$5,000.00 | $239.00 |
A smarter kind
of screen time.
- Turn your debit card on or off.
- Track your transaction history.
- Make loan payments in seconds.
- See up-to-date account balances.
- Transfer funds between accounts.
Got a question?
Find answers to frequently asked questions about our Heating Loans.
{{beginAccordion}}
What is a Heating Loan and what can I use it for?
It's a short-term personal loan that covers a season's home heating fuel bill in one payment. You borrow $1,000 to $5,000, we pay your fuel provider directly (or reimburse you with proof of payment), and you repay it over 12 months.
Can it pay for a furnace repair, cleaning, or service call?
No. Parts, labor, service contracts, inspections, and repairs are not eligible fuel purchases.
Can I use it to replace my furnace or boiler?
No. Parts, labor, service contracts, inspections, and repairs are not eligible fuel purchases.
Does it cover electricity or natural gas utility bills?
No. Electricity and piped natural gas are not eligible fuel types under this program.
How much can I borrow?
Our heating loans come with flexible amounts. You can borrow anything from $500 to $5,000.
What rates and terms are available?
All heating loans have a 12-month term. The finance charge* depends on the amount you borrow:
- $1,000–$1,499.99: $59.00 finance charge
- $1,500–$1,999.99: $89.00 finance charge
- $2,000–$2,499.99: $119.00 finance charge
- $2,500–$2,999.99: $139.00 finance charge
- $3,000–$3,999.99: $159.00 finance charge
- $4,000–$5,000.00: $239.00 finance charge
How do I apply?
You can apply for a Heating Loan online! You’ll need your photo ID and social security number to start.
If you’d like to apply in person, you can visit your local Atlantic branch.
{{endAccordion}}
*The Heating Loan is for a total amount of $1,000 to $5,000, with 12 monthly payments. A one-time prepaid finance charge applies and ranges from $59 to $239, depending on the amount borrowed. The Effective Annual Percentage Rate (APR) ranges from 6.70% to 10.00%, depending on the loan amount and payment due date. Loan is subject to approval. Certain terms and conditions apply, contact Atlantic Federal Credit Union for more information. Membership or eligibility to join Atlantic is required. Available November 5, 2026, through April 30, 2027. Proceeds may be used only for delivered home heating fuel.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly interest earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term Share Certificates can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Better Than a Lease
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 36 Months | As low as 4.24% | $29.63 |
| 48 Months | As low as 4.24% | $22.80 |
| 60 Months | As low as 4.49% | $18.64 |
| 72 Months | As low as 4.99% | $16.10 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25%, a maximum term of 72 months and a $835 Program fee. To qualify for the as low as rate, the vehicle must be no more than five model years old (based on the current calendar year). The retail value 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 4.24% APR equals $29.63. Minimum loan amounts apply. 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.
Business Certificates
| 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% |
Business Money Market
| 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% |
Business Savings
| 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% |
Credit Builder
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 12 Months | 10.00% | $87.90 |
*APR = Annual Percentage Rate. Rate includes maximum term of 12 months. Loan is subject to approval. Payment per $1,000 borrowed for 12 months at 10.00% APR equals $87.90. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
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% |
| Centsables Youth Savings | $25 | 0.05% | 0.05% |
Equipment Loan
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 36 Months | As low as 6.49% | $30.64 |
| 48 Months | As low as 6.74% | $23.83 |
| 60 Months | As low as 6.74% | $19.68 |
| 72 Months | As low as 7.49% | $17.30 |
| 84 Months | As low as 8.74% | $15.96 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. To qualify for the as low as rate, the equipment must be no more than three model years old (based on the current calendar year). The retail value 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 6.49% APR, equals $30.64. Minimum loan amounts apply. Rates subject to change without notice. Membership or eligibility to join Atlantic is required.
Extended Terms for Large Recreational Loans
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 120 Months | As low as 7.49% | $11.87 |
| 180 Months | As low as 7.74% | $9.41 |
| 240 Months | As low as 7.99% | $8.37 |
*APR = Annual Percentage Rate. 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 retail value of the vehicle as established by Atlantic must be greater than or equal to the loan amount. Your rate will be determined by your credit qualifications. Minimum loan amounts and age of vehicle rate premiums may apply. Loan is subject to approval. Payment per $1,000 borrowed for 120 months at 7.49% APR equals $11.87. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Extended Terms for Large Recreational Loans
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 120 Months | As low as 7.49% | $11.87 |
| 180 Months | As low as 7.74% | $9.41 |
| 240 Months | As low as 7.99% | $8.37 |
*APR = Annual Percentage Rate. 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 2022 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 7.49% APR equals $11.87. Minimum loan amounts apply. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Health Savings Account (HSA)
| Balance | Dividend Rate | APY |
|---|---|---|
| $0 - $999 | 0.05% | 0.05% |
| $1,000 - $4,999 | 0.25% | 0.25% |
| $5,000+ | 0.30% | 0.30% |
Home Equity Line of Credit
| Product Type | APR* | Payment per $1,000* |
|---|---|---|
| Monthly Principal and Interest | Variable as low as 6.50% | $100 or 1.25% of outstanding balance, whichever is greater |
| Interest Only | Variable as low as 6.50% | $100 or total interest due, whichever is greater |
*APR = Annual Percentage Rate. Your rate will be determined by The Wall Street Prime rate and your credit qualifications. Loan is subject to approval. Minimum line of credit amount is $10,000. Payment will be defined as $100 or 1.25% of the outstanding balance at most recent disbursement, whichever is greater for Home Equity LOC with Principal and Interest payments OR Payment will be defined as $100 or any outstanding interest due, whichever is greater for Home Equity LOC Interest Only. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Home Equity Loan
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 60 Months | As low as 6.49% | $19.57 |
| 120 Months | As low as 6.74% | $11.48 |
| 180 Months | As low as 6.99% | $8.99 |
*APR = Annual Percentage Rate. Your rate will be determined by your credit qualifications and aggregate loan balances secured by the property in relation to the property’s value as determined by a third party appraiser. Loan is subject to approval. Minimum loan amount is $20,000. Payment per $1,000 borrowed for 60 months at 6.49% APR equals $19.57. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Home Improvement
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 12 Months | As low as 9.75% | $87.82 |
| 36 Months | As low as 11.75% | $33.11 |
| 60 Months | As low as 12.75% | $22.64 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. Verification of home ownership required. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 9.75% APR equals $32.29. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Individual Retirement Accounts (IRAs)
| 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% |
Kasasa Cash*
| Standard Rewards Balance | Minimum Required Opening Deposit | Rate | APY |
|---|---|---|---|
| $0 - $15,000 | $0 | 2.47% | 2.50% |
| $15,000+ | $0 | 0.25% | 2.50% to 0.54% |
| 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 2.50% 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*
| Balance | Rate | APY |
|---|---|---|
| $0 - $249,999.99 | 2.47% | 2.50% |
| $250,000 - $499,999.99 | 2.96% | 3.00% |
| $500,000+ | 3.19% | 3.25% |
| 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.
Kasasa Saver*
| Balance | Rate | APY |
|---|---|---|
| $0 - $249,999.99 | 2.67% | 2.70% |
| $250,000 - $499,999.99 | 3.15% | 3.20% |
| $500,000+ | 3.40% | 3.45% |
| 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.
Land Loans
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 180 Months | As low as 8.49% | $9.85 |
*APR = Annual Percentage Rate. Your rate will be determined by your credit qualifications. Loan is subject to approval. Minimum loan amount is $20,000. Payment per $1,000 borrowed for 180 months at 8.49% APR equals $9.85. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Mobile Home on Land (Double Wide)
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 240 Months | As low as 7.75% | $8.22 |
| 360 Months | As low as 8.25% | $7.52 |
*APR = Annual Percentage Rate. Your rate will be determined by your credit qualifications. Loan is subject to approval. Minimum loan amount is $20,000. Payment per $1,000 borrowed for 240 months at 7.75% APR equals $8.22. Payment example includes principal and interest only and does not include amounts for property taxes or insurance; your actual payment obligation will be greater. Longer terms available at different rates. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Mobile Home on Land (Single Wide)
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 180 Months | As low as 8.00% | $9.57 |
| 240 Months | As low as 8.50% | $8.69 |
*APR = Annual Percentage Rate. Your rate will be determined by your credit qualifications. Loan is subject to approval. Minimum loan amount is $20,000. Payment per $1,000 borrowed for 180 months at 8.00% APR equals $9.57. Payment example includes principal and interest only and does not include amounts for property taxes or insurance; your actual payment obligation will be greater. Longer terms available at different rates. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Mobile Homes In a Park
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 180 Months | As low as 8.50% | $9.86 |
| 240 Months | As low as 8.75% | $8.85 |
*APR = Annual Percentage Rate. Your rate will be determined by your credit qualifications. Loan is subject to approval. Minimum loan amount is $20,000. Payment per $1,000 borrowed for 180 months at 8.50% APR equals $9.86. Payment example includes principal and interest only and does not include amounts for property taxes, insurance, or ground/lot rent; your actual payment obligation will be greater. Longer terms available at different rates. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Money Market
| Balance | Dividend Rate | APY3 |
|---|---|---|
| $1,000 - $4,999 (Savings1) | 0.70% | 0.70% |
| $2,500 - $4,999 (Checking2) | 0.70% | 0.70% |
| $5,000 - $9,999 | 1.19% | 1.20% |
| $10,000 - $49,999 | 1.54% | 1.55% |
| $50,000 - $99,999 | 2.03% | 2.05% |
| $100,000 - $249,999 | 2.18% | 2.20% |
| $250,000 - $499,999 | 2.81% | 2.85% |
| $500,000 - $749,999 | 2.96% | 3.00% |
| $750,000 - $999,999 | 3.12% | 3.16% |
| $1,000,000 + | 3.25% | 3.30% |
1If balance falls below $1,000, the account will not earn dividends.
2If balance falls below $2,500, the account will not earn dividends.
3APY = Annual Percentage Yield. All rates are subject to change. Fees may reduce earnings. Rates effective as of 10/29/26.
Money Market
| Balance | Dividend Rate | APY3 |
|---|---|---|
| $1,000 - $4,999 (Savings1) | 0.50% | 0.50% |
| $2,500 - $4,999 (Checking2) | 0.50% | 0.50% |
| $5,000 - $9,999 | 0.99% | 1.00% |
| $10,000 - $49,999 | 1.34% | 1.35% |
| $50,000 - $99,999 | 1.83% | 1.85% |
| $100,000 - $249,999 | 1.98% | 2.00% |
| $250,000 - $499,999 | 2.62% | 2.65% |
| $500,000 - $749,999 | 2.76% | 2.80% |
| $750,000 - $999,999 | 2.86% | 2.90% |
| $1,000,000 + | 3.06% | 3.10% |
1If balance falls below $1,000, the account will not earn dividends.
2If balance falls below $2,500, the account will not earn dividends.
3APY = Annual Percentage Yield. All rates are subject to change. Fees may reduce earnings. Rates effective as of 10/1/25.
New/Used Automobiles
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 36 Months | As low as 4.24% | $29.63 |
| 48 Months | As low as 4.49% | $22.80 |
| 60 Months | As low as 4.49% | $18.64 |
| 72 Months | As low as 4.99% | $16.10 |
| 84 Months | As low as 6.49% | $14.84 |
| 96 Months | As low as 7.24% | $13.75 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. To qualify for the as low as rate, the vehicle must be no more than three model years old (based on the current calendar year). The retail value 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 4.24% APR equals $29.63. Minimum loan amounts apply. 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.
Personal Line of Credit
| APR* | Payment per $1,000* |
|---|---|
| As low as 13.75% | $50 or 3.5% of outstanding balance |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25%. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment of $50 or 3.5% of the outstanding balance. Finance charges begin accruing as of the loan disbursement date. Rates and conditions are subject to change at any time without notice. Membership or eligibility to join Atlantic is required.
Personal Loan
| 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 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 12 months. Your rate will be determined by your credit qualifications. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 10.75% APR, equals $32.63. Minimum loan amounts apply. Rates subject to change without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Premium Business Checking
| 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% |
Recreational Vehicles & Motorcycles
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 4.99% | $29.97 |
| 48 Months | As low as 5.24% | $23.14 |
| 60 Months | As low as 5.24% | $18.98 |
| 72 Months | As low as 5.99% | $16.58 |
| 84 Months | As low as 7.24% | $15.22 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. To qualify for the as low as rate, the recreational vehicle must be no more than three model years old (based on the current calendar year). The retail value 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 4.99% APR, equals $29.97. Minimum loan amounts apply. Rates subject to change without notice. Longer terms available at different rates. Membership or eligibility to join Atlantic is required.
Share Certificates
| Type | Minimum Required Opening Deposit | Dividend Rate | APY |
|---|---|---|---|
| 3 Mo. Share Certificate | $100 | 2.13% | 2.15% |
| 6 Mo. Share or IRA Certificate | $500 | 3.59% | 3.65% |
| 1 Year Share or IRA Certificate | $500 | 3.74% | 3.80% |
| 15 Mo. Share or IRA Certificate | $500 | 4.02% | 4.10% |
| 18 Mo. Rippling Waves Share or IRA Certificate - allows add'l ($500 minimum) deposits | $500 | 3.54% | 3.60% |
| 2 Yrs. Share or IRA Certificate | $500 | 3.35% | 3.40% |
| 3 Yrs. Share or IRA Certificate | $500 | 3.35% | 3.40% |
| 4 Yrs. Share or IRA Certificate | $500 | 3.40% | 3.45% |
| 5 Yrs. Step-Up Share or IRA Certificate - allows 1-time rate increase | $500 | 3.45% | 3.50% |
Use our Share Certificate Calculator to determine your potential earnings.
*APY = Annual Percentage Yield. All rates are subject to change. Early withdrawals are subject to penalty. Penalties may vary depending on the rate of certificate and time of withdrawal. Rates effective as of 10/19/26.
Share Secured
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 36 Months | As low as 3.05% | $29.15 |
| 48 Months | As low as 3.05% | $22.18 |
| 60 Months | As low as 3.05% | $18.02 |
*APR = Annual Percentage Rate. As low as rate includes maximum term of 36 months. Rate calculated at 3% above the rate of return on securing funds. Loan is subject to approval. Payment per $1,000 borrowed for 36 months at 3.05% APR equals $29.15. 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.
Visa Credit Cards
| Card | Introductory Rate | APR |
|---|---|---|
| Visa Platinum | 2.49% APR3 for 12 Billing Cycles | Non-Variable as low as 11.49% |
| Visa Signature® | 2.49% APR2 for 12 Billing Cycles | Variable as low as 14.00% |
| Visa Secured | None | Non-Variable as low as 17.99%4 |
2APR = annual percentage rate. Rates are subject to change at any time. Additional rates and terms are available. APR and term are based on your credit rating and ability to repay. Rate based on prime plus a margin.
3APR = annual percentage rate. Rates are subject to change at any time. Additional rates and terms are available. APR and term are based on your credit rating and ability to pay.
4APR = annual percentage rate. Rates are subject to change at any time. Additional rates and terms are available.