Individual Retirement Accounts (IRAs)

*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.

**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.

*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.

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

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 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.

*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.

*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.

*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.

*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.