With no monthly service charges and money back on ATM fees, Atlas High-Rate Checking really pays.
Get a rate discount with our Car Buying Service, then save on repairs with our Vehicle Service Program.
Earn up to 2.70% APY without market risks!57
We offer award-winning online kids savings and teen checking accounts (plus, great products for parents too!)
Atlas returns profits to our members through higher savings rates, lower loan rates, and fewer fees. And we make it easy to bank with 24/7 account access.
Tired of big bank certificate rates that earn almost nothing? Try the alternative — an Atlas Credit Union Certificate that gives you the returns you deserve. Pick your maturity date and start earning today!
View All Certificates Rates
Do you have an extra $1,000+ that you won't need to use soon? A certificate is the perfect way to use your money knowing you'll be earning top dollar. An Atlas Credit Union Certificate gives you an even better interest rate on your money than you would get in a savings account because we know that the money won’t be withdrawn for an extended period.
Certificates are often referred to as CDs, non-liquid accounts, or time deposits. Almost all banks offer certificates, but with an Atlas Credit Union Certificate, you'll get a rate of return that is far above industry averages.
A certificate is a very safe investment. Even if you need to withdraw the money before you expect, you won’t lose any of the principal that you invested.
You can plan for life's big moments by picking your maturity date from 12 months to 5 years. Atlas Credit Union Certificates offer top market dividend rates on the timetable you set.
Because bigger is better, we'll pay you even more if your certificate is for $25,000 or more (a.k.a. a "jumbo" certificate)!
Use our highly flexible certificates to generate even more savings by creating a certificate ladder.
You can choose to withdraw the dividends earned on the certificate. Dividend withdrawals may reduce earnings, but there are no penalties.
When you open your Atlas Credit Union Certificate, you'll choose a maturity date between 12-60 months. If you need to withdraw funds before the maturity date, you may incur an early withdrawal penalty. If you have elected to withdraw dividends on a monthly basis, early withdrawal of your certificate could affect the principal balance.
1-7 days: 7 days of dividends
For 12-17 month term certificates: dividends earned for the number of days the certificate is open (up to max of 90 days of dividends)
For 18-23 month term certificates: dividends earned for the number of days the certificate is open (up to max of 120 days of dividends)
For 24-60 month term certificates: dividends earned for the number of days the certificate is open (up to max of 180 days of dividends)
There may be exceptions to early withdrawal penalties.
There are four easy ways to open an Atlas Credit Union Certificate:
(Please note: IRA accounts cannot be opened through online banking.)
Log in to online banking and select "Open an Account."42
Call us at 800-328-1935 for personal assistance.
Print and mail our certificate application.
Visit us at an Atlas Branch.
We’re always here to help. Call an Atlas investments expert at 800-328-1935. We’ll help guide you towards the perfect credit union certificate for your unique situation.
Please Note: In order to open a traditional IRA, Roth IRA, or SEP IRA you must open the respective account type first. For example, to get a traditional IRA certificate, first you must open a traditional IRA account.
Minimum deposit of $1,000
You don’t need access to your funds for at least 12 months, and you’d like to increase your investment returns
You are saving for retirement with before-tax money
You are saving for retirement with after-tax money
You are self-employed and saving for retirement
Let Me Know When Atlas Rates Gets Even Better
View our full fee schedule.41
For your convenience, we offer four easy ways to open a Certificate:
You must have an active Atlas Savings Account or Atlas Trust Account with at least a $5 balance in the account before a Certificate can be opened.
Note: Certificate accounts cannot be opened through our automated phone banking service.
Dividends will post to the certificate monthly, on the last day of the month and at maturity. Dividends earned on your certificate will appear on your monthly statement. You can also verify dividends earned on your certificate through online banking and phone banking, our 24-hour automated phone service.
At our discretion, we may allow withdrawals from the account before maturity without imposing an early withdrawal penalty under one of the following circumstances:
Tax laws are subject to change. Contact a tax professional for more details.
The minimum deposit amount needed to open a certificate is $1,000. The minimum deposit for a jumbo certificate is $25,000.
Yes. You can have both joint owners or beneficiaries on your Atlas Certificate. To add a joint owner or beneficiary to your certificate account, print and complete an Account Ownership Delete/Add form or Beneficiary Delete/Add form.
No. You cannot make a change to the type or term of a certificate after it has been opened. Changes to the type or term can only be made at maturity.
Yes. You must have or establish an IRA with Atlas prior to opening an IRA certificate. Additionally, the type of certificate must coincide with the type of IRA. For example, if you have a Roth IRA, you can only open a Roth Certificate. IRA certificates cannot be opened under a trust account.
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