Put your savings on autopilot.
Link Kasasa Cash® checking to this free account that earns high dividends every month you qualify.*
- Premium
- 3.25% APY*
- on balances up to and including $1,000,000 when you qualify.
- Standard
- 0.25% APY*
- on balances over $1,000,000 when you qualify.
- Basic
- 0.05% APY*
- on all balances if qualifications are not met.
- Automatic reward transfers*
- High dividends to help you save*
- No minimum balance requirements
- No monthly maintenance fees
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 checking 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
Saving has never been simpler.
Qualifying for your Kasasa Cash checking rewards automatically qualifies you for the highest Kasasa Saver rate too. So, you can earn rewards on top of rewards. Without any extra work.
Real cash. Real people. Real easy.
Access 200+ surcharge-free ATMs in Maine and 5,000+ branches across the country. Atlantic is part of the SURF ATM and CO-OP shared branch networks.
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.
{{ insuranceLogos }}
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 Saver.
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What’s the difference between Premium Rewards and Standard Rewards?
The Premium Rewards rate is 3.25% APY* on balances up to and including $1,000,000 when you qualify. The Standard Rewards rate is 0.25% APY* on balances over $1,000,000 when you qualify.
So, if you had an average daily balance of $1,500,000 in your Kasasa Saver account, the first $1,000,000 would earn 3.25% APY* and the remaining $500,000 would earn 0.25% APY* when you qualify.
How does Kasasa Saver help me save money automatically?
Kasasa Saver links to your Kasasa Cash checking account. When you meet your Kasasa checking qualifications, your cash rewards transfer to Kasasa Saver — where they’ll earn high dividends.
How can I make sure I qualify for my cash rewards?
All qualifying enrollments, transactions, and activities must post and settle to your Kasasa 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™.
Is Kasasa Saver always free?
Of course! You’ll never pay monthly maintenance fees with Kasasa checking and Kasasa Saver. No. Matter. What. Even if you don’t qualify for cash rewards, your Kasasa checking and Kasasa Saver accounts are still free.
What’s the minimum deposit to open a Kasasa Saver account?
There is no minimum to open a Kasasa saver account if you have an Atlantic Savings Account with a minimum of $25.
Can I open Kasasa Saver without Kasasa Cash checking?
Unfortunately, no. Kasasa Saver is pretty clingy. But you can pair it with the Kasasa Cash® checking account!
How do I open my free Kasasa Saver account?
You can open your Kasasa Saver account with Kasasa checking online! You’ll need your photo ID (driver's license, passport, state ID, military ID, or Alien Registration Card) and your Social Security Number.
If you’d like to open your Kasasa accounts in person, you can visit your local Atlantic branch.
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*This account is a tiered rate account and is available only to holders of a Kasasa Cash checking account. Dividends earned and ATM fees refunded to the Kasasa Cash Checking account will be automatically transferred to your Kasasa Saver account. If the average daily balance in your Kasasa Saver account is $1,000,000.00 or below and your Kasasa Cash Checking account meets all the minimum service requirements as described above for the Kasasa Cash Checking account during the qualification cycle, the dividend rate of 3.20% and annual percentage yield of 3.25% will apply for the dividend period. If the average daily balance is greater than $1,000,000.00 and your Kasasa Cash Checking account meets all the minimum service requirements during the qualification cycle, average daily balances over $1,000,000.00 will earn a dividend rate of .25% on the portion of the balance over $1,000,000.00, resulting in a range in annual percentage yields of 3.25% to 2.98% depending on the balance. Each dividend rate will apply only to that portion of the account balance within each balance range. If your Kasasa Cash Checking account does not meet all of the minimum service requirements during the qualification cycle, the dividend rate of .05% and annual percentage yield of .05% will apply to the entire balance in your Kasasa Saver account. The dividend APY Range is calculated assuming a maximum balance of $1,100,000 and blending the below cap rate with the above cap rate. The Kasasa Cash APY is based on compounding interest. Please be aware that the interest earned in Kasasa Cash is automatically transferred to Kasasa Saver at the beginning of the following statement cycle and does not compound. As a result, the actual interest amount paid for Kasasa Cash may be less than the APY disclosed in the Rate Schedule. The Kasasa Saver APYs may be less than the Kasasa Cash APYs. The "Statement Cycle" means the period of time for which our credit union provides a summary of the financial activities and transactions that post and settle to the accountholder's account. APY=Annual Percentage Yield. APY's accurate as of 5/1/2025. Rates may change after account is opened.
Here's what you'll need to open your account:
- Your Photo ID (Driver's License, State ID, Passport, Military ID or Alien Registration Card)
- Your Social Security Number
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 4.99% | $29.97 |
| 48 Months | As low as 5.24% | $23.15 |
| 60 Months | As low as 5.24% | $18.99 |
| 72 Months | As low as 5.99% | $16.57 |
*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. The vehicle must be a 5 model years old 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 4.99% APR equals $29.97. 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 7.49% | $31.11 |
| 48 Months | As low as 7.74% | $24.30 |
| 60 Months | As low as 7.74% | $20.16 |
| 72 Months | As low as 8.49% | $17.78 |
| 84 Months | As low as 8.99% | $16.09 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The equipment 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 36 months at 7.49% APR, equals $31.11. 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 8.24% | $12.27 |
| 180 Months | As low as 8.49% | $9.85 |
| 240 Months | As low as 8.74% | $8.84 |
*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 8.24% APR equals $12.27. 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.
Extended terms for Large Recreational Loans
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 120 Months | As low as 8.24%** | $12.27 |
| 180 Months | As low as 8.49%** | $9.85 |
| 240 Months | As low as 8.74%** | $8.84 |
*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 8.24% APR equals $12.27. 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 7.50% | $100 or 1.25% of outstanding balance, whichever is greater |
| Interest Only | Variable As low as 7.50% | $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 6.99% | $11.62 |
| 180 Months | As low as 7.49% | $9.27 |
*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 6.99% APR equals $19.81. 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 | 2.96% | 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*
| Balance | Rate | APY |
|---|---|---|
| $0 - $1,000,000 | 3.20% | 3.25% |
| $1,000,000 + | 0.25% | 3.25% to 2.98% |
| 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 180 months at 7.75% APR equals $8.22. 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 (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. 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 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. 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.
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 | 1.49% | 1.50% |
| $50,000 - $99,999 | 1.98% | 2.00% |
| $100,000 - $249,999 | 2.23% | 2.25% |
| $250,000 - $499,999 | 2.96% | 3.00% |
| $500,000 - $749,999 | 3.06% | 3.10% |
| $750,000 - $999,999 | 3.21% | 3.25% |
| $1,000,000 + | 3.35% | 3.40% |
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 5/1/25.
New/Used Automobiles
| Term | APR* | Payment per $1,000* |
|---|---|---|
| 36 Months | As low as 4.99% | $29.97 |
| 48 Months | As low as 5.24% | $23.15 |
| 60 Months | As low as 5.24% | $18.99 |
| 72 Months | As low as 5.99% | $16.57 |
| 84 Months | As low as 6.49% | $14.85 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 60 months. 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 36 months at 4.99% APR equals $29.27. 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 5.99% | $30.42 |
| 48 Months | As low as 6.24% | $23.60 |
| 60 Months | As low as 6.24% | $19.45 |
| 72 Months | As low as 6.99% | $17.05 |
| 84 Months | As low as 7.49% | $15.34 |
*APR = Annual Percentage Rate. As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The recreational 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 36 months at 5.99% APR, equals $30.42. 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 | 1.74% | 1.75% |
| 6 Mo. Share or IRA Certificate | $500 | 3.20% | 3.25% |
| 1 Year Share or IRA Certificate | $500 | 3.25% | 3.30% |
| 18 Mo. Rippling Waves Share or IRA Certificate - allows add'l ($500 minimum) deposits | $500 | 3.15% | 3.20% |
| 2 Yrs. Share or IRA Certificate | $500 | 2.96% | 3.00% |
| 30 Mo. Share or IRA Certificate | $500 | 2.96% | 3.00% |
| 3 Yrs. Share or IRA Certificate | $500 | 2.96% | 3.00% |
| 4 Yrs. Share or IRA Certificate | $500 | 3.01% | 3.05% |
| 5 Yrs. Step-Up Share or IRA Certificate - allows 1-time rate increase | $500 | 3.06% | 3.10% |
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 5/1/25.
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 15.50% |
| 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.