Overview / Commentary
1110 Market St. Suite 300
Chattanooga, TN 37402

Atlantic Capital Bank is headquartered in Chattanooga and is the 5th largest bank in the state of Tennessee. It is also the 329th largest bank in the nation. It was established in 2000 and as of September of 2018, it had grown to 334 employees at 18 locations. Atlantic Capital Bank's money market rates are 4X the national average, and it boasts an A+ health rating.

Related Posts

MMA Special, 1.75% APY ($50K+), 1.15% APY ($10K+) - 4/25/2018

Money Market Special Promotional Rates - 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.

Reviews (1)

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

FDIC Certificate #35525
Year Established2000
Primary RegulatorOCC
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD8.4%
Annual Interest Income$81.8MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$2.88B$2.64B
LoansQ3 2018vs Q3 2017$2.02B$1.89B
DepositsQ3 2018vs Q3 2017$2.40B$2.12B
Equity CapitalQ3 2018vs Q3 2017$355.1MM$359.8MM
Loan Loss AllowanceQ3 2018vs Q3 2017$20.4MM$18.9MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$2.9MM$4.6MM
Real Estate OwnedQ3 2018vs Q3 2017$967.00K$1.5MM
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* 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

1.75%*$50k*-Money Market Special
OTHER TIERS: 1.15% $10k - $500k

Atlantic Capital Bank CD Rates

2.00%$1k-18 Month CD Special
1.35%$1k-12 Month CD Special
1.05%$1k-6 Month CD Special


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