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Become a member

Banking for homeowners.

Become a member
A family with their dog on the couch at home
A house on a tree-lined street in autumn
A family with their dog on the couch at home

  • NMLS Licensed

    NMLS #2771910

  • Equal Housing Lender

    Licensed to lend.

  • Licensed to lend. See where.

    No credit impact to check your rate. About 30 seconds to see your options.

Athena AI Holdings Inc. d/b/a Athena. NMLS #2771910. Equal Housing Lender. Athena is a financial technology company, not a bank. Banking services are provided by Grasshopper Bank, N.A., Member FDIC. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured bank.

They refinanced with Athena.

Two families, in their own words.

We've been having fun with the extra money that we've been saving.

The Dotsons
The Dotsons seated side by side on stools against a yellow backdrop

I couldn't be happier with my decision. Now we get to focus on things that really matter.

The Hartmans
The Hartmans laughing together with their young daughter against a blue backdrop

Questions, answered.

What does membership cost?

There is no monthly fee for membership or for your Athena Cash account. You qualify by doing three things each month: keep a mortgage with any lender, keep a recurring deposit of your income coming into your Athena Cash account, and pay that mortgage from the account. Any account fees are listed in the Fee Schedule. Additional terms & conditions found here.

Athena is a financial technology company, not a bank. Banking services are provided by Grasshopper Bank, N.A., Member FDIC. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured bank.

Can I join if my mortgage is not with Athena?

Yes. You can keep your current mortgage and still join. A mortgage with any lender qualifies. Each month you keep a recurring deposit of your income coming into your Athena Cash account and pay that mortgage from the account.

Athena is a financial technology company, not a bank. Banking services are provided by Grasshopper Bank, N.A., Member FDIC. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured bank.

Where is my money held?

Your deposits are held by Grasshopper Bank, N.A.

Athena is a financial technology company, not a bank. Banking services are provided by Grasshopper Bank, N.A., Member FDIC. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured bank.

How do I join?

Open an Athena Cash account in the Athena app. You can keep your other accounts.

Athena is a financial technology company, not a bank. Banking services are provided by Grasshopper Bank, N.A., Member FDIC. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured bank.

A brick house with red awnings under a tree

Banking for homeowners.

Open Athena Cash. Send your income. Pay your mortgage.

Checking your rate: No credit impact to check your rate.

Become a member

Athena is a financial technology company, not a bank. Banking services are provided by Grasshopper Bank, N.A., Member FDIC. The FDIC’s deposit insurance coverage only protects against the failure of an FDIC-insured bank.