Rates

Take an interest in our accounts


Atlantic Union Bank offers great returns on your accounts.


Atlantic Union Bank offers many options for saving for the future, along with various options that can help you reach your goals.

All rates shown below are only applicable for accounts which can be opened online and local branches may have different rates. If you have any questions, please contact our Customer Care at (800) 990-4828 or visit your local branch.

CD Specials*

Product Term Interest Rate Annual Percentage Yield*
CD or IRA 7 month 3.68% 3.75% Schedule an Appointment
CD or IRA 13 month 3.93% 4.00% Schedule an Appointment

*$1,000 minimum opening deposit. The Annual Percentage Yield (APY) and interest rates are accurate as of February 2, 2023. Rates are subject to change without notice. Fees could reduce earnings on the account. A penalty may be imposed for withdrawals made before maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY. 

Money Market

Product Balance Interest Rate Annual Percentage Yield
Money Market Account $0.00 - $24,999.99 0.15% 0.15% Apply Now
$25,000 - $99,999.99 0.25% 0.25% Apply Now
$100,000 - $249,999.99 0.40% 0.40% Apply Now
$250,000+ 0.65% 0.65% Apply Now
Loyalty Money Market Account $0.00 - $24,999.99 0.16% 0.16% Schedule an Appointment
$25,000 - $99,999.99 0.26% 0.26% Schedule an Appointment
$100,000 - $249,999.99 0.41% 0.41% Schedule an Appointment
$250,000+ 0.66% 0.66% Schedule an Appointment

The Annual Percentage Yield (APY) and interest rates are accurate as of February 2, 2023. Rates are subject to change without notice and after account opening. Fees could reduce the earnings on the account. 

Health Savings Account

Lower Tier Upper Tier Interest Rate Annual Percentage Yield
$1 $9,999.99 0.05% 0.05% Schedule an Appointment
$10,000 $24,999.99 0.10% 0.10% Schedule an Appointment
$25,000+ 0.20% 0.20% Schedule an Appointment

The Annual Percentage Yield (APY) and interest rates are accurate as of February 2, 2023. Rates are subject to change without notice and after account opening. Fees could reduce the earnings on the account. 

CDs

Term Interest Rate Annual Percentage Yield
3 Month (91 days) 0.50% 0.50% Schedule an Appointment
6 Month 0.75% 0.75% Schedule an Appointment
1 Year 1.00% 1.00% Schedule an Appointment
2 Year 1.15% 1.15% Schedule an Appointment
3 Year 1.25% 1.25% Schedule an Appointment
4 Year 1.35% 1.35% Schedule an Appointment
5 Year 1.50% 1.51% Schedule an Appointment
1 Year No Penalty* 0.75% 0.75% Apply Now

$1,000 minimum opening deposit. The Annual Percentage Yield (APY) and interest rates are accurate as of February 2, 2023. Rates are subject to change without notice. Fees could reduce earnings on the account. A penalty may be imposed for withdrawals made before maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY.

*Penalty Free Option:  Funds must be in your account for at least seven days to withdraw penalty free.  Withdrawals can be for the full amount of the CD or a partial amount.  If the one-time penalty free option is exercised on a partial withdrawal, any future principal withdraws made before maturity would be subject to an early withdrawal penalty. Not available for individual retirement accounts (IRAs). 

Loyalty CDs

Term Interest Rate Annual Percentage Yield
1 Year 1.01% 1.01% Schedule an Appointment
2 Year 1.16% 1.16% Schedule an Appointment
3 Year 1.26% 1.26% Schedule an Appointment
4 Year 1.36% 1.36% Schedule an Appointment
5 Year 1.51% 1.52% Schedule an Appointment
1 Year No Penalty* 0.76% 0.76% Schedule an Appointment

$1,000 minimum opening deposit. The Annual Percentage Yield (APY) and interest rates are accurate as of February 2, 2023. Rates are subject to change without notice. Fees could reduce earnings on the account. A penalty may be imposed for withdrawals made before maturity. After account opening, there is no minimum balance requirement to obtain the disclosed APY.  Loyalty CDs are available to customers who maintain a Free Checking account with a qualifying $500 direct deposit or any of our personal interest-bearing checking accounts. A qualifying direct deposit is a direct deposit of a paycheck, pension, Social Security, or other eligible regular monthly income, electronically deposited by an employer or an outside agency into your checking account.

*Penalty Free Option:  After seven days, a one-time penalty free withdrawal is permitted prior to the maturity date. Withdrawals can be for the full amount of the CD or a partial amount. If the one-time penalty free option is exercised on a partial withdrawal, any future principal withdrawals would be subject to an early withdrawal penalty. Not available for individual retirement accounts (IRAs). 

Checking

Product Balance Interest Rate Annual Percentage Yield
Loyalty Checking $0.00 - $2,499.99 0.01% 0.01% Apply Now
$2,500.00 - $9,999.99 0.02% 0.02% Apply Now
$10,000.00+ 0.03% 0.03% Apply Now
ThankU Checking $0.00 - $2,499.99 0.01% 0.01% Apply Now
$2,500.00 - $9,999.99 0.02% 0.02% Apply Now
$10,000.00+ 0.03% 0.03% Apply Now
Preferred Checking $0.00 - $49,999.99 0.01% 0.01% Apply Now
$50,000.00 - $249,999.99 0.02% 0.02% Apply Now
$250,000.00 - $499,999.99 0.02% 0.02% Apply Now
$500,000.00 - $999,999.99 0.03% 0.03% Apply Now
$1,000,000.00+ 0.05% 0.05% Apply Now

The Annual Percentage Yield (APY) and interest rates are accurate as of February 2, 2023. Rates are subject to change without notice and after account opening. Fees could reduce the earnings on the account. 

Savings

Product Balance Interest Rate Annual Percentage Yield
Personal Savings 0.10% 0.10% Apply Now
PRISM Savings 0.10% 0.10% Apply Now
Loyalty Savings $0 - $4,999.99 0.05% 0.05% Schedule an Appointment
$5,000.00 - $24,999.99 0.10% 0.10% Schedule an Appointment
$25,000.00+ 0.20% 0.20% Schedule an Appointment
Deluxe Savings Club (with auto debit) 0.01% 0.01% Schedule an Appointment

$25 minimum opening deposit for Personal Savings, PRISM Savings, and Loyalty Savings; $10 minimum opening deposit for Deluxe Club Savings. The Annual Percentage Yield (APY) and interest rates are accurate as of February 2, 2023. Fees could reduce the earnings on the account.

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