Ready for your housewarming party?
Buying a home is one of life’s biggest decisions. That’s why we focus on straightforward guidance, clear next steps, and a process that helps you feel informed, prepared, and supported from start to finish.
- Great home mortgage loan rates
- Low down payment programs
- Quick, local decision-making
- Custom terms that fit your budget
Forget financial stress. We love to say, “Yes!”
We’re here to help you do better. That’s why our lenders tailor terms to match your lifestyle. And because we’re local, you’ll receive a decision really fast.
Not sure where to start with homebuying?
Get our 7 Steps Towards Confident Homeownership guide to understand the process, feel prepared, and stay on budget during your mortgage journey.
One of the best experiences I have had
Everyone I had communication with throughout the process was very responsive and organized. I felt it was one of the best experiences I have had. Great team! Thank you.
A pleasure to work with
The Mortgage team made the process easy. They were a pleasure to work with and answered any and all questions or concerns we had.
Feel like valued members
They made the loan process very easy and were very friendly people. They made me and my wife feel like valued members!
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 home mortgage loans.
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What kind of mortgages does Atlantic offer?
Atlantic offers conventional mortgages, portfolio fixed-rate mortgages, jumbo mortgages, construction loans, HELOCs, home equity fixed term loans, mobile home loans, and land loans.
How much home can I afford?
Your homebuying budget depends on factors like your income, monthly expenses, credit history, down payment, and other financial goals. A quick pre-qualification can give you a clearer idea of your price range and help you shop within a realistic budget.
How much do I need for a down payment?
The amount needed for a down payment can vary depending on the type of mortgage, your financial situation, and your goals. While many people assume they need 20% down, that isn't always the case. Atlantic offers low down payment mortgage options for qualified borrowers, including programs with as little as 10% down* and no private mortgage insurance (PMI), or as little as 3% down*, where PMI may be required. Our team can help you understand your options and determine what may work best for you.
What is the difference between pre-qualified and pre-approved?
Getting pre-qualified can help you understand how much you may be able to borrow before you start shopping for a home. A pre-approval typically involves a more detailed review of your financial information and can help show sellers you're a serious buyer.
What should I know before buying a home?
House hunting is exciting, but choosing the wrong mortgage can be expensive. Read our 7 Steps Towards Confident Homeownership guide to feel more prepared.
How do I apply for a home mortgage loan?
You can apply for an Atlantic Home Mortgage Loan online! We may request to see your photo ID, proof of income, credit report, and tax returns. Additional documents may be required.
If you’d like to apply in person, please give us a call at 800-834-0432 to schedule an appointment.
What should I expect during the mortgage process?
The mortgage process typically includes getting pre-qualified, applying for your loan, providing documentation, completing required reviews, and closing on your home. We'll guide you through each step and help answer questions along the way so you know what to expect.
Can I qualify if I don’t have perfect credit?
Yes! Perfect credit is not required. We look at your full financial picture, including income, credit history, and overall stability to help determine your options.
What if I’ve been denied before?
That doesn’t necessarily mean you won’t qualify now! Financial situations change, and we can review your current profile to see what options may be available today.
How long does mortgage approval take?
It varies based on your situation and loan type, but getting started is quick. Many borrowers receive an initial decision early in the process, and we’ll guide you through the rest, step by step.
Why choose Atlantic for a mortgage?
As a credit union, Atlantic takes a different approach to home lending. Our mortgage team provides personalized guidance, local decision-making, and support throughout the homebuying process. We're here to help you understand your options and find financing that fits your goals.
Can I refinance my current mortgage?
Yes! Do you already own your home? Refinancing your mortgage with Atlantic may help you adjust your loan term, lower your monthly payment, or access equity depending on your goals and financial situation.
Who’s on Atlantic’s mortgage team?
- Erin Holmes NMLS ID #: 1859212 (Mortgage Loan Originator)
- Jocelyn Picard NMLS ID #: 518283 (Mortgage Loan Originator)
- Adam Fortier NMLS ID #: 1947719 (Mortgage Loan Originator)
- Cody Guyer NMLS ID #: 2239651 (Mortgage Loan Originator)
- Ross Barnard NMLS ID# 2249463 (Mortgage Development Officer)
What’s Atlantic’s NMLS number?
Atlantic’s NMLO/NMLS Institution Identifier is 402778.
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*Down payment requirements vary by loan program and borrower qualifications. Qualified borrowers may be eligible for mortgage programs requiring as little as 3% or 10% down. Private mortgage insurance (PMI) may be required depending on the loan program and borrower qualifications. All mortgage loans are subject to credit approval, underwriting, and property eligibility. Other terms and conditions may apply.
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 3.99% | $29.52 |
| 48 Months | As low as 4.24% | $22.69 |
| 60 Months | As low as 4.24% | $18.53 |
| 72 Months | As low as 4.74% | $15.98 |
*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 3.99% APR equals $29.52. 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 6.25% | $100 or 1.25% of outstanding balance, whichever is greater |
| Interest Only | Variable As low as 6.25% | $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.
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) | 0.50% | 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 3.99% | $29.52 |
| 48 Months | As low as 4.24% | $22.69 |
| 60 Months | As low as 4.24% | $18.53 |
| 72 Months | As low as 4.74% | $15.98 |
| 84 Months | As low as 6.24% | $14.72 |
| 96 Months | As low as 6.99% | $13.63 |
*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 3.99% APR equals $29.52. 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 | 1.64% | 1.65% |
| 6 Mo. Share or IRA Certificate | $500 | 3.11% | 3.15% |
| 1 Year Share or IRA Certificate | $500 | 3.15% | 3.20% |
| 18 Mo. Rippling Waves Share or IRA Certificate - allows add'l ($500 minimum) deposits | $500 | 3.06% | 3.10% |
| 2 Yrs. Share or IRA Certificate | $500 | 2.86% | 2.90% |
| 3 Yrs. Share or IRA Certificate | $500 | 2.86% | 2.90% |
| 4 Yrs. Share or IRA Certificate | $500 | 2.91% | 2.95% |
| 5 Yrs. Step-Up Share or IRA Certificate - allows 1-time rate increase | $500 | 2.96% | 3.00% |
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 4/1/26.
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 13.75% |
| 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.