Atlantic Capital Bank is headquartered in Chattanooga and is the 5th largest bank in the state of Tennessee. It is also the 338th largest bank in the nation. It was established in 2000 and as of March of 2018, it had grown to 339 employees at 18 locations. Atlantic Capital Bank's money market rates are 4X the national average, and it has an A health rating.
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The Bank of East Tennessee
I have been a member of FSG/Atlantic Capital since I was seventeen years old. My father signed for me to create a checking account, and since then I have continued to be a member. The first branch I was familiar with was located in Jefferson City, Tennessee. Back then, I only used the deposit/withdrawal features. It wasn't until I became an adult, I am now twenty-five, that I used any additional features. I financed a vehicle through them when I turned twenty, and they were very good to me when my father passed away while I was trying to setup financial options for myself. They went over several money market options with me and explained it in a way that was easy to understand. Up to that point, I had no previous understanding of such things, but now I can say, with their help, I have made some very profitable financial decisions.They provided guidance for my best options for my inheritance and allowed me to make the choice for myself without and undue pressure. On top of awesome customer service, their online banking is top of the line which makes it super easy for a tech savvy twenty-five year old like myself. Although I am no longer in Jefferson City, there are many locations all though Tennessee which has made it easy for me to be a continued member and will be for years to come.
Health Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 35525 |
| Year Established | 2000 |
| Employees | 339 |
| Primary Regulator | OCC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.83% |
| Return on Equity - YTD | 6.75% |
| Annual Interest Income | $26.0MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2018vs Q1 2017 | $2.72B$2.80B |
| Loans | Q1 2018vs Q1 2017 | $1.94B$1.91B |
| Deposits | Q1 2018vs Q1 2017 | $2.11B$2.22B |
| Equity Capital | Q1 2018vs Q1 2017 | $343.8MM$345.6MM |
| Loan Loss Allowance | Q1 2018vs Q1 2017 | $19.9MM$19.9MM |
| Unbacked Noncurrent Loans | Q1 2018vs Q1 2017 | $1.6MM$4.0MM |
| Real Estate Owned | Q1 2018vs Q1 2017 | $926.00K$1.9MM |
This section lists recent deals, promotions and rate changes submitted by our community within the past 90 days. Always verify official rates and promotions with the bank or credit union.
MMA Special, 1.75% APY ($50K+), 1.15% APY ($10K+)
Fifty percent (50%) of the minimum opening balance must be new funds to Atlantic Capital Bank, N.A.
An Atlantic Capital Bank, N.A. checking account is required in order to obtain the promotional rate and APY.
When the account is opened after April 2, 2018 the promotional fixed interest rate and APY are guaranteed until October 1, 2018.
Always verify rates and promotions with the bank or credit union. We are not Atlantic Capital Bank; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
Atlantic Capital Bank Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.75%* | $50k* | - | Money Market Special | ||
| OTHER TIERS: 1.15% → $10k - $500k | |||||
Atlantic Capital Bank CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 2.00% | $1k | - | 18 Month CD Special | |
| 1.35% | $1k | - | 12 Month CD Special | |
| 1.05% | $1k | - | 6 Month CD Special |
