The rewards keep getting better.
Earn high dividends every month you meet some simple qualifications. Do a little more to earn an even higher rate.*
- Premium
- 5.00% APY*
- on balances up to and including $15,000 when you qualify.
- Standard
- 3.00% APY*
- on balances up to and including $15,000 when you qualify.
- Basic
- 0.05% APY*
- on all balances if qualifications are not met.
- High (and really high) dividends*
- 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 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 to earn 3.00% APY* or at least 30 debit card purchases to earn 5.00% APY*
Your first month of
rewards is on us.
Open your free Kasasa Cash 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.
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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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 checking.
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What’s the difference between Standard Rewards and Premium Rewards?
The Standard Rewards rate is 3.00% APY* on balances up to and including $15,000 when you qualify. The Premium Rewards rate is 5.00% APY* on balances up to and including $15,000 when you qualify. Both Standard Rewards and Premium Rewards also include refunds on ATM withdrawal fees (up to $25 per month).*
All Kasasa Cash account holders can earn Standard Rewards or Premium Rewards when qualifications are met.* Both levels of rewards require at least 1 direct deposit, ACH withdrawal, or Bill Pay transaction AND enrollment in eStatements each cycle.
In addition to these qualifications, account holders must make at least 12 debit card purchases per cycle to earn Standard Rewards OR at least 30 debit card purchases per cycle to earn Premium Rewards. If you want to earn the higher rate, you need to make more debit card purchases.
What kind of debit card purchases help me qualify for rewards?
In-person and online debit card purchases count toward your Kasasa Cash checking rewards. There are no category restrictions on qualifying purchases. Gas, groceries, utilities, streaming subscriptions, coffee runs. Whatever you need during your day, it’s all good if you pay with your debit card.
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 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 checking always free?
Absolutely. You’ll never pay monthly maintenance fees with Kasasa Cash checking. No. Matter. What. Even if you don’t qualify for cash rewards, your Kasasa Cash checking account is still free.
What’s the minimum deposit to open a Kasasa Cash checking account?
A $50 minimum deposit is required to open a Kasasa Cash checking account.
How do I open my free Kasasa Cash checking account?
You can open your Kasasa Cash 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. We have 10 branch locations throughout Maine.
How does Kasasa Saver® work with Kasasa Cash checking?
Kasasa Saver is a free account that helps you save money automatically. You can link Kasasa Saver to your free Kasasa Cash checking account. Every time you meet your Kasasa Cash qualifications, your rewards transfer to Kasasa Saver — where they’ll earn high dividends.
If you don’t qualify for your Kasasa Cash rewards, your Kasasa Saver account is still free. And you’ll still earn the base dividend rate. See how much you can earn with Kasasa Saver.
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*APY=Annual Percentage Yield. APYs accurate as of 6/1/2023. Rates may change after account is opened. Qualifying transactions must post and settle to the Kasasa Cash account during monthly qualification cycle. Transactions may take one or more banking days from the date transaction was made to post to and settle to the account. ATM-processed transactions do not count towards qualifying debit card transactions. “Monthly Qualification CyclePDF” 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. 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. See our website - atlanticfcu.com or contact one of our branch service representatives for specific Statement Cycle dates.
Qualification Information: To earn your account’s rewards, the following enrollments must be in place and all transactions and activities must post and settle to your Kasasa Cash account during each Monthly Qualification Cycle:
Standard Qualifications:
• At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
• At least 12 debit card purchases
• Be enrolled in and have agreed to receive e-statements rather than paper statements
Premium Qualifications:
• At least 1 direct deposit, ACH credit, or ACH payment transaction(s)
• At least 30 debit card purchases
• Be enrolled in and have agreed to receive e-statements rather than paper statements
The advertised Kasasa Cash APY is based on compounding dividends. If you have a Kasasa Saver account, dividends earned in Kasasa Cash are automatically transferred to your Kasasa Saver each statement cycle and do not compound. Actual dividend amount paid may be less than advertised Kasasa Cash APY. The Kasasa Saver APYs may be less than Kasasa Cash APYs. Limit one account per social security number.
For Kasasa Cash accounts, if qualifications are met each monthly qualification cycle:
Standard Rewards: Average daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 2.96% resulting in an APY of 3.00%; and average daily balances over $15,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $15,000, resulting in a range from 3.00% to 0.61% APY depending on the account's average daily balance.
Premium Rewards: Average daily balances up to and including $15,000 in your Kasasa Cash account earn a dividend rate of 4.89% resulting in an APY of 5.00%; and average daily balances over $15,000 earn a dividend rate of 0.25% on the portion of the average daily balance over $15,000, resulting in a range from 5.00% to 0.87% APY depending on the account’s average daily balance.
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
How would you like to open your account?
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 6.74% | $30.85 |
| 48 Months | As low as 6.99% | $24.02 |
| 60 Months | As low as 7.24% | $19.98 |
| 72 Months | As low as 7.74% | $17.47 |
Credit Builder
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 12 Months | As low as 10.00% | $88.28 |
*As low as 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 $88.28. 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% |
Equipment Loan
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 7.74% | $31.32 |
| 48 Months | As low as 7.99% | $24.49 |
| 60 Months | As low as 8.24% | $20.47 |
| 72 Months | As low as 8.74% | $17.97 |
| 84 Months | As low as 9.49% | $16.41 |
**As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The equipment 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 36 months at 7.74% APR, equals $31.32. Rates subject to change 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 Improvement
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 9.75% | $32.29 |
| 48 Months | As low as 11.75% | $26.34 |
| 60 Months | As low as 12.75% | $22.75 |
*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 | 3.93% | 4.00% |
| $1,000,000 + | 0.25% | 4.00% to 3.66% |
| 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.
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.
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% |
New/Used Automobiles & Harley Motorcycle Rates
| Term | APR* | Payment per $1,000** |
|---|---|---|
| 36 Months | As low as 5.24% | $30.15 |
| 48 Months | As low as 5.49% | $23.31 |
| 60 Months | As low as 5.74% | $19.27 |
| 72 Months | As low as 6.24% | $16.74 |
| 84 Months | As low as 6.99% | $15.14 |
*As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. 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 36 months at 5.24% APR equals $30.15. 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.
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 |
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% | $30.61 |
| 48 Months | As low as 6.49% | $23.67 |
| 60 Months | As low as 6.74% | $19.74 |
| 72 Months | As low as 7.24% | $17.22 |
| 84 Months | As low as 7.99% | $15.64 |
*As low as rate includes direct deposit discount of 0.25% and maximum term of 36 months. The recreational 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 36 months at 6.24% APR, equals $30.61. 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 | 1.98% | 2.00% |
| 6 Mo. Share or IRA Certificate | $500 | 3.93% | 4.00% |
| 1 Year Share or IRA Certificate | $500 | 4.27% | 4.35% |
| 18 Mo. Rippling Waves Share or IRA Certificate - allows add'l ($500 minimum) deposits | $500 | 2.96% | 3.00% |
| 2 Yrs. Share or IRA Certificate | $500 | 3.15% | 3.20% |
| 30 Mo. Share or IRA Certificate | $500 | 3.15% | 3.20% |
| 3 Yrs. Share or IRA Certificate | $500 | 3.25% | 3.30% |
| 4 Yrs. Share or IRA Certificate | $500 | 3.35% | 3.40% |
| 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.
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% APR* for 12 Billing Cycles | Non-Variable As low as 11.49% |
| Visa Signature® | 2.49% APR* for 12 Billing Cycles | Variable As low as 15.50% |
| Visa Secured | None | Non-Variable As low as 17.99% |