Atlantic Regional FCU (ME) Has Very Competitive 2-Month CD Special


Availability: Residents of Cumberland County and Sagadahoc County, Maine.

When a new product with a good rate pops up on April 1, I tend to be a bit skeptical, but Atlantic Regional Federal Credit Union’s (Atlantic Regional) 2-month Share Certificate Special (2.50% APY) is quite real and very competitive.

The minimum deposit is $500, with no balance cap, which is not typical for such short-term CDs with competitive APYs.

As stated in the fine print on Atlantic Regional’s Rates page,

A withdrawal of dividends will result in an annual percentage yield
lower than disclosed. No penalty for early withdrawal.

A 2-month term is very short, but if you open the CD with $100K, you'll earn about $250 more in this CD than in a 1% savings account.

Kasasa Cash

Atlantic Regional’s Kasasa Cash account was added to the product line in October 2012, and the initial 2.50% APY for qualifying balances up to $10k is still in effect. Balances greater than $10k earn 0.40% APY, with non-qualifying balances earning 0.05% APY.

3.00*%-$15kAtlantic Federal Credit UnionKasasa Cash - Standard Rewards Rate
OTHER TIERS: 0.25% $15k+
Rates as of May 29, 2024.

The qualifying requirements to earn the stated APY are:

  • Have at least 12 debit card purchases
  • Be enrolled in and log into Online Banking
  • Be enrolled in and receive e-Statements

Atlantic Regional’s Kasasa Cash has no minimum balance requirement, no monthly fees, and no penalty for not meeting account qualifications. Nationwide ATM fees will be reimbursed up to $20 per month, with individual ATM fees of $5 or higher requiring a receipt for reimbursement.

Don't worry if you come up short. Your account is always free. You even earn our base
dividend rate, AND can still earn a higher rate and ATM fee refunds the very next cycle.


Headquartered in Brunswick, Atlantic Regional Federal Credit Union’s field of membership is primarily residency-based, with individuals who live, work, worship, or attend school in Cumberland or Sagadahoc Counties eligible to join.

In addition, Atlantic Regional’s Membership page states that "any relatives" of current members are eligible for membership.

Joining Atlantic Regional and opening a CD must be done in person at any of four Maine branches, located in Brunswick, Cumberland, Freeport, and Topsham.

Opening a Kasasa Cash account can be done either online or in person at any branch location.

Atlantic Regional offers an additional $250k of savings insurance through the Excess Share Insurance Corporation.

Credit Overview

Atlantic Regional Federal Credit Union (NCUA Charter # 4281) has an overall health grade of "A+" at, with a Texas ratio of 3.60% (excellent) based on December 31, 2015 data. In the past year, Atlantic Regional has increased its total deposits by $15.79 Million, an excellent annual growth rate of 6.62%. Please refer to our financial overview of Atlantic Regional Federal Credit Union for more details.

January 23, 2016, marked the 75th anniversary of Atlantic Regional Federal Credit Union’s founding. Originally known as St. John’s Federal Credit Union, the initial membership was comprised of 37 parishioners from St. John the Baptist Parish in Brunswick. Today, Atlantic Regional is the 5th largest credit union in Maine, with more than 19,700 members and assets in excess of $301 Million.

How the CD Compares

When compared to the 126 similar length-of-term CDs tracked by that require a similar minimum deposit and are available to residents in the Greater Portland metropolitan area, Atlantic Regional Federal Credit Union’s 2-Month Share Certificate currently ranks first.

The above rates are accurate as of 4/12/2016.

To look for the best CD rates, both nationwide and in your state, please refer to our CD rates table, or our new Rates Map page.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.