Rates as low as 3.99% APR!*
This September, if you refinance your auto loan with Atlantic, we’ll donate $50 to end hunger in Maine. You can skip your first 90 days of payments, too!
- No payments for 90 days
- Great rates for new & used vehicles
- Quick, local decision-making
- Custom terms that fit your budget
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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.
What is the Campaign for Ending Hunger in Maine?
The Campaign is Maine Credit Unions’ signature philanthropic initiative, with 100% of funds staying in-state. In 2025, Atlantic raised and donated over $159,329, supporting 21 local community food pantries. This September, you can help support the fight against hunger by getting an auto loan with Atlantic.
Blank Check Approval Program
Get pre-approved from the comfort of home. You'll receive a blank check, issued for your pre-approved limit. Pocket your check and negotiate the best deal — knowing you can pay right away.**
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 auto loans.
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What types of vehicles can I finance?
Atlantic offers financing for many types of vehicles, including new and used cars, trucks, SUVs, and vans. If you're financing a specialty vehicle such as an RV, motorcycle, ATV, or boat, visit our recreational vehicle loan page or contact us to learn about available financing options.
Can I finance a used vehicle?
Yes! We offer financing for both new and used vehicles. Whether you're purchasing from a dealership or an eligible private seller, we'll work with you to find a loan that fits your budget and financing needs.
What should I know before buying a car?
There’s more to car shopping than test drives. Make sure the dealer doesn’t take you for a ride. Learn the 7 Mistakes to Avoid When Buying a Car.
How can I estimate my monthly auto loan payment?
Before buying a vehicle, it can be helpful to understand what your monthly payment may look like. Use Atlantic's auto loan payment calculator to estimate your payment based on factors like the purchase price, loan amount, loan term, and estimated interest rate.
A calculator can give you a helpful starting point, but every situation is different. For a more personalized estimate or to learn what financing options may work best for you, our lending team is here to help. Contact us to speak with a member of our team.
I don’t know if I can afford a regular auto loan. Do you have another option?
Yes! Interested in payments up to 40% lower than conventional financing? Our Better Than a Lease option may be right for you.
What credit score do I need to qualify for an auto loan?
There is no single required score. We evaluate your full financial picture, including credit history, income, and overall situation, to find the best possible options for you.
Why finance with a credit union?
If you're comparing financing options, a credit union auto loan can offer competitive rates, flexible terms, and personalized local service. Getting pre-approved before you shop also makes it easier to compare dealership financing offers and choose the option that's right for you.
Why finance with Atlantic Federal Credit Union?
At Atlantic, we're committed to making the car-buying experience simple. We offer competitive rates, local lending decisions, flexible financing options, and our Blank Check Approval Program** to help you shop with confidence. Whether you're buying your first vehicle, upgrading to something new, or refinancing an existing loan, our team is here to help.
What is a Blank Check Approval?
Our Blank Check Approval Program allows you to get pre-approved for an auto loan before you start shopping. You'll know how much you may qualify to borrow, making it easier to compare vehicles, negotiate confidently, and shop within your budget.**
Why should I get pre-approved before buying a car?
Getting pre-approved gives you a better idea of your budget before you visit a dealership or meet with a private seller. It can make the buying process smoother by allowing you to focus on finding the right vehicle instead of arranging financing at the last minute.
Can I buy a vehicle from a private seller?
Yes. Atlantic finances eligible vehicles purchased from both dealerships and private sellers. If you're planning to buy from an individual, our lending team can explain the documentation needed to complete your loan.
How do I apply for an auto loan?
You can apply for an Atlantic auto loan online! You’ll need your photo ID and social security number to start. If you’d like to apply for an auto loan in person, you can visit your local Atlantic Federal Credit Union branch.
Once we receive your application, our lending team will review it and guide you through the next steps so you can get on the road as quickly as possible.
What documents will I need to apply?
The information you'll need may vary, but you should be prepared to provide identification, proof of income, details about the vehicle you're purchasing (if you've already chosen one), and any additional information requested during the application process.
How quickly can I get a decision on my auto loan?
In many cases, you can receive a fast decision from our local lending team so you can shop with confidence and move forward quickly.
Can I refinance my current auto loan?
Yes. If your current auto loan is with another lender, refinancing with Atlantic may help you lower your interest rate, reduce your monthly payment, or adjust your loan term. Our lending team can help determine whether refinancing is a good fit for your financial goals.
Do you offer extra coverage for my new car?
Yes! You can find peace of mind with a wide range of additional coverage, including vehicle service contracts, Guaranteed Auto Protection (GAP) insurance, and payment protection.
What is the Campaign for Ending Hunger in Maine?
The Campaign is the signature social responsibility campaign for Maine’s credit unions. 100% of all funds raised through the Campaign stay in the state. The initiative is the largest, non-hunger organization-based, philanthropic fundraising effort to end hunger in Maine. In 2024 Atlantic donated and raised more than $156,831 to support the Campaign for Ending Hunger in Maine. The monies raised supported 21 community food pantries in our local communities.
You can help Atlantic support the Campaign for Ending Hunger in Maine by donating here.
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**Subject to credit approval. The blank check is valid for 60 days after issue date. Must be a member of Atlantic Federal Credit Union.
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.