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
Get paid up to 3 days early.
Get your electronic direct deposits earlier than your scheduled payday with Atlantic Express Deposit. No extra fees. No additional setup.
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.
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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 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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Where can I get cash back with Kasasa Cash Back?
Anywhere you can use your debit card. There are no category restrictions on debit card purchases. Online. IRL. It’s up to you.
What kind of debit card purchases help me qualify for rewards?
In-person and online debit card purchases count toward your Kasasa Cash Back checking rewards. There are no category restrictions on qualifying purchases. The same places you can earn cash back also help you qualify. Which is pretty much anywhere.
Can I also earn refunds on ATM withdrawal fees with Kasasa Cash Back?
You bet. On top of 2.5% cash back, you can earn up to $25/month in refunds on ATM withdrawal fees when you qualify.*
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™.
Is Kasasa Cash Back checking always free?
Absolutely. You’ll never pay monthly maintenance fees with Kasasa Cash Back checking. No. Matter. What. Even if you don’t qualify for cash rewards, your Kasasa Cash Back checking account is still free.
What’s the minimum deposit to open a Kasasa Cash Back checking account?
There is no minimum to open a Kasasa Cash checking account if you have an Atlantic Savings Account with a minimum of $25.
How do I open my free Kasasa Cash Back checking account?
You can open your Kasasa Cash Back checking account 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 checking account in person, you can visit your local Atlantic branch.
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*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.
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% | $29.96 |
| 48 Months | As low as 4.99% | $23.03 |
| 60 Months | As low as 4.99% | $18.87 |
| 72 Months | As low as 5.99% | $16.57 |
*As low as rate includes direct deposit discount of 0.25%, a maximum term of 60 months and a $835 Program fee. 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 60 months at 4.99% APR equals $18.87. Promotional rates apply to new loan money only. New money is defined as at least 50% of the loan proceeds being new to Atlantic. 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 |
*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 7.74% | $31.21 |
| 48 Months | As low as 7.99% | $24.41 |
| 60 Months | As low as 8.24% | $20.39 |
| 72 Months | As low as 8.74% | $17.90 |
| 84 Months | As low as 9.49% | $16.34 |
**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 7.74% APR, equals $31.21. 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 |
*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 |
* 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 |
*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 |
*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 | 3.45% | 3.50% |
| $1,000,000 + | 0.25% | 3.50% to 3.20% |
| 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 |
* 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.
Large Recreational Vehicles (Boats, Campers, Motor Homes)
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 120 Months | As low as 8.24%** | $12.31 |
| 180 Months | As low as 8.49%** | $9.88 |
| 240 Months | As low as 8.74%** | $8.87 |
*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 2021 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 $12.31. 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.
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 |
* 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 |
* 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 |
* 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 | 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 | 2.37% | 2.40% |
| $250,000 - $499,999 | 3.15% | 3.20% |
| $500,000 - $749,999 | 3.25% | 3.30% |
| $750,000 - $999,999 | 3.35% | 3.40% |
| $1,000,000 + | 3.45% | 3.50% |
Money Market
| Balance | Dividend Rate | APY |
|---|---|---|
| $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.
New/Used Automobiles
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 4.99% | $29.96 |
| 48 Months | As low as 4.99% | $23.03 |
| 60 Months | As low as 4.99% | $18.87 |
| 72 Months | As low as 5.99% | $16.57 |
| 84 Months | As low as 6.49% | $14.85 |
*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 60 months at 4.99% APR equals $18.87. Promotional rates apply to new loan money only. New money is defined as at least 50% of the loan proceeds being new to Atlantic. 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 |
*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 |
*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 & Street Motorcycles
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 6.24% | $31.53 |
| 48 Months | As low as 6.49% | $23.71 |
| 60 Months | As low as 6.74% | $19.68 |
| 72 Months | As low as 7.24% | $17.17 |
| 84 Months | As low as 7.99% | $15.59 |
*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 6.24% APR, equals $31.53. 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.
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 |
*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.