Free checking that’s got your back.
Get 2.5% cash back on up to $250 in monthly debit card purchases when you qualify.* That’s $75 cash back per year, $6.25 per month. Want to get paid to go shopping?
- Cash back on debit card purchases*
- Refunds on ATM withdrawal fees*
- No monthly maintenance fees
- Free debit card with fraud alerts
It's easy to earn rewards.
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 direct deposit, ACH withdrawal, or Bill Pay transaction
- Be enrolled in and agree to receive eStatements
- At least 12 debit card purchases
Your first month of rewards is on us.
Open your free Kasasa Cash Back checking account today and you’ll qualify for your first month of cash rewards automatically.* After that, it’s up to you. But don’t worry, it’s just normal banking.
A checking account made for everyday spenders.
Groceries, gas, takeout, and everything in between. Your everyday debit card purchases can add up to extra money in your pocket.
Earn 2.50% cash back on up to $250 in qualifying monthly debit card purchases, with no monthly maintenance fees and ATM fee refunds nationwide when you qualify.* It's an easy way to get more out of your checking account.
Get paid up to 3 days early.**
Why wait for payday? With Atlantic Express Deposit, eligible electronic direct deposits can arrive up to three days early. Get quicker access to your money for groceries, bills, unexpected expenses, or whatever comes next.
- No additional setup
- No extra fees
- Available with qualifying direct deposits
Real cash. Real people.
Real easy.
When you have a question, you'll talk to real people who live and work in the communities we serve. Whether you're opening your first account or need help years later, our team is here when you need us.
- Local branches throughout Southern Maine
- Video Banking available
- 5,000+ shared branches nationwide
- 200+ surcharge-free ATMs in Maine
Keep your money super safe.
Every Atlantic deposit is insured by the NCUA up to $250,000. But we didn’t stop there. ESI extends coverage for accounts with balances up to $500,000.
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Comparing checking accounts? We've done the work for you.
Not all checking accounts give you something back. With Kasasa Cash Back, you can earn cash back on everyday debit card purchases, enjoy no monthly maintenance fees, and get convenient access to your money, all with the local service you deserve.
| Feature | Kasasa Cash Back Checking | Typical Checking Account |
|---|---|---|
| No monthly maintenance fee |
✓ |
✗ |
| Earn cash back on qualifying purchases* |
✓ |
✗ |
| Nationwide ATM withdrawal fee refunds when qualified* |
✓ |
✗ |
| Online & mobile banking |
✓ |
✓ |
| Debit card included |
✓ |
✓ |
| Rewards for everyday banking |
✓ |
✗ |
| eStatements available |
✓ |
✓ |
| Get paid up to 3 days sooner** |
✓ |
✗ |
Patient with my questions
Communication from employees was timely, professional, and compassionate. They were patient with my questions and were warm, friendly, and responsive.
Staff was super responsive
Every person I spoke to was courteous, friendly, and incredibly helpful. We needed to act quickly and Atlantic staff was super responsive and great to work with!
Love the interest rates!
From the time I entered to when I left I felt welcomed and that the people I interacted with wanted to help me. I opened a Kasasa checking account and love the interest rates!
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 Kasasa Cash Back checking.
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What is Kasasa Cash Back Checking?
Kasasa Cash Back is a free checking account that pays you cash back on everyday debit card purchases when you meet the monthly qualifications. Earn 2.50% cash back on up to $250 in qualifying debit card purchases each month, plus receive refunds on ATM withdrawal fees nationwide. There are no monthly maintenance fees, even if you don't qualify for cash back in a particular month.*
How much cash back can I earn with Kasasa Cash Back?
You can earn 2.50% cash back on up to $250 in qualifying debit card purchases each Monthly Qualification Cycle. That means you can earn up to $6.25 per month, or $75 per year, just by using your Atlantic debit card for everyday purchases.
Where can I earn cash back with Kasasa Cash Back?
You can earn cash back on qualifying debit card purchases almost anywhere you shop. There are no spending category restrictions, so purchases at grocery stores, gas stations, restaurants, retailers, and online stores can all count. Whether you're shopping in person or online, your everyday purchases can earn you something back.
What kind of debit card purchases help me qualify for rewards?
In-person and online debit card purchases count toward your Kasasa Cash Back qualifications. You'll need to make at least 12 debit card purchases during each Monthly Qualification Cycle to qualify. The same everyday purchases you already make can help you meet this requirement.
How can I make sure I qualify for my cash rewards?
All qualifying enrollments, transactions, and activities must post and settle to your Kasasa Cash Back checking account during each Monthly Qualification Cycle. You can view the list of our Kasasa Cycle Dates anytime. Just check the footer.
Some transactions and activities might take more than a day to post and settle. So, try not to wait until the end of the cycle to complete your qualifications.
You can track your debit card purchases 24/7 with Atlantic Mobile Banking. Download the app for iPhone® or Android™.
Can I also earn refunds on ATM withdrawal fees with Kasasa Cash Back?
Yes! You can receive up to $25 per month in refunds on domestic ATM withdrawal fees when you meet the monthly qualifications. This means you can enjoy convenient access to your money without worrying as much about out-of-network ATM fees.*
What happens if I don't meet the monthly requirements?
If you don't meet all three qualifications during a Monthly Qualification Cycle, you simply won't receive cash back or ATM withdrawal fee refunds for that cycle. Your account will remain open and free, and you can start earning rewards again the next month by meeting the qualifications.
Is Kasasa Cash Back checking always free?
Absolutely. Kasasa Cash Back has no monthly maintenance fees, no matter what. Even if you don't meet the monthly qualifications and don't earn cash back for a particular cycle, your checking account remains free. There are also no recurring monthly service charges to maintain the account.
What's the difference between Kasasa Cash Back and a traditional checking account?
A traditional checking account typically provides a place to deposit money, pay bills, and make purchases. Kasasa Cash Back does all that while giving you an opportunity to earn money back on everyday debit card purchases. When you meet the monthly qualifications, you'll also receive nationwide ATM withdrawal fee refunds.* It's a way to get more from your everyday banking without paying monthly maintenance fees.
What's the difference between Kasasa Cash and Kasasa Cash Back?
Both are free checking accounts with no monthly maintenance fees and offer ATM withdrawal fee refunds when you qualify. The biggest difference is how you earn rewards.
With Kasasa Cash, you earn dividends on your checking account balance when you meet the monthly qualifications. With Kasasa Cash Back, you earn 2.50% cash back on up to $250 in qualifying monthly debit card purchases.* If you tend to keep a higher balance in checking, Kasasa Cash may be a better fit. If you regularly use your debit card for everyday purchases, Kasasa Cash Back may be the better choice.
Do I need to move all my accounts to Atlantic to qualify?
Not at all. You can keep your existing accounts at other financial institutions and still enjoy the benefits of Kasasa Cash Back. You'll just need to meet the monthly account qualifications using your Atlantic checking account.
What's the minimum deposit to open a Kasasa Cash Back checking account?
There is no separate minimum deposit required to open a Kasasa Cash Back checking account, as long as you have an Atlantic Savings Account with a minimum balance of $25.
How do I open a free Kasasa Cash Back checking account?
Opening an account with Atlantic is easy! You can apply for Kasasa Cash Back checking online from the comfort of your home or visit one of our local branches in Southern Maine. Once your account is open, you can start using your debit card and working toward your monthly qualifications.
Can I use my Kasasa Cash Back debit card anywhere?
Yes! Your Atlantic debit card can be used anywhere your card network is accepted, including stores, restaurants, gas stations, and online retailers. You can also use your card to make purchases through mobile wallets. Qualifying debit card purchases can help you meet your monthly requirements and earn cash back.
{{endAccordion}}
*Account transactions and activities may take one or more days to post and settle to the account and all must do so during the Monthly Qualification Cycle in order to qualify for the account's rewards. "Monthly Qualification Cycle" means a period beginning one (1) day prior to the first day of the current statement cycle through one (1) day prior to the close of the current statement cycle. When Kasasa Cash Back qualifications are met during a Monthly Qualification Cycle, you will receive 2.50% cash back up to a total of $250.00 PIN-based/signature-based debit card purchases that post and settle to the account during that cycle period. A maximum of $6.25 cash back may be earned per Monthly Qualification Cycle. Domestic ATM fees incurred during qualification cycle will be reimbursed up to $25 and credited to account on the last day of monthly statement cycle. When Kasasa Cash Back qualifications are not met, no cash back payments or ATM Refunds are made. Cash back payments will be credited to your Kasasa Cash Back account on the last day of statement cycle. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Have at least one Direct Deposit, ACH Credit or ACH payment transaction in your Kasasa account, a minimum of 12 POS debit card transactions, and receipt of electronic statements are conditions to qualify for the Cashback reward each cycle period. Limit One (1) account per social security number. There are no recurring monthly service charges or fees to open or close this account. Fees may reduce earnings. Contact an Atlantic Federal Credit Union service representative for additional information, details, restrictions, processing limitations and enrollment instructions. Federally insured by NCUA.
**Express Deposit is a service that allows you to receive your electronic ACH direct deposits up to three days earlier than your scheduled payday (also known as the "settlement date") with no additional costs/fees. No sign-up is required, it's automatically available to all members who receive electronic ACH direct deposits. This service exclusively applies to electronic ACH direct deposits and does not affect the timing of electronic ACH withdrawals or other transaction types like checks or debit card withdrawals. The timing of these early ACH direct deposits depends on the ACH originator, typically your employer, and is determined by when they transmit the notice of credit (also known as the "transmission date") to us. We have no control over the timing of this notice of credit, so not all ACH direct deposits will be eligible for early posting.
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.