Rates

Everything Checking & Restart Checking
Balance	Minimum to Open	Rate	APY*
Balance $1,000 - $1,999	Minimum to Open $25	Rate 0.35%	APY* 0.35%
Balance $2,000 - $9,999	Minimum to Open $25	Rate 0.45%	APY* 0.45%
Balance $10,000 and Up	Minimum to Open $25	Rate 0.55%	APY* 0.55%

Savings Accounts
Balance	Minimum to Open	Rate	APY*
Balance $5 - $99.99	Minimum to Open $5.00	Rate 0.15%	APY* 0.15%
Balance $100 - $999.99	Minimum to Open $5.00	Rate 0.25%	APY* 0.25%
Balance $1,000 and Up	Minimum to Open $5.00	Rate 0.35%	APY* 0.35%

Money Market Savings Account
Balance	Minimum to Earn Interest	Rate	APY*
Balance $0 - $2,499.99	Minimum to Earn Interest $2,500	Rate 0.00%	APY* 0.00%
Balance $2,500 - $9,999.99	Minimum to Earn Interest $2,500	Rate 1.85%	APY* 1.87%
Balance $10,000 - $24,999.99	Minimum to Earn Interest $2,500	Rate 1.95%	APY* 1.97%
Balance $25,000 - $49,999.99	Minimum to Earn Interest $2,500	Rate 2.05%	APY* 2.07%
Balance $50,000 - $74,999.99	Minimum to Earn Interest $2,500	Rate 2.25%	APY* 2.27%
Balance $75,000 - $99,999.99	Minimum to Earn Interest $2,500	Rate 2.35%	APY* 2.38%
Balance $100,000 and Up	Minimum to Earn Interest $2,500	Rate 2.60%	APY* 2.63%

Savings Certificates & IRA Certificates
Term	Minimum to Open	Dividend Rate	APY*
Term 3 Months	Minimum to Open $500	Dividend Rate 2.60%	APY* 2.63%
Term 6 Months	Minimum to Open $500	Dividend Rate 2.85%	APY* 2.89%
Term 12 Months	Minimum to Open $500	Dividend Rate 3.10%	APY* 3.14%
Term 15 Month Certificate Schedule	Minimum to Open $500	Dividend Rate 4.07%	APY* 4.15%
Term 18 Months	Minimum to Open $500	Dividend Rate 3.35%	APY* 3.40%
Term 24 Months	Minimum to Open $500	Dividend Rate 3.60%	APY* 3.66%
Term 36 Months	Minimum to Open $500	Dividend Rate 3.85%	APY* 3.92%

Jumbo Savings Certificates & IRA Certificates
Terms	Minimum to Open	Dividend Rate	APY*
Terms 3 Months	Minimum to Open $100,000	Dividend Rate 2.80%	APY* 2.84%
Terms 6 Months	Minimum to Open $100,000	Dividend Rate 3.05%	APY* 3.09%
Terms 12 Months	Minimum to Open $100,000	Dividend Rate 3.30%	APY* 3.35%
Terms 15 Month Certificate Special	Minimum to Open $100,000	Dividend Rate 4.27%	APY* 4.35%
Terms 18 Months	Minimum to Open $100,000	Dividend Rate 3.55%	APY* 3.61%
Terms 24 Months	Minimum to Open $100,000	Dividend Rate 3.80%	APY* 3.87%
Terms 36 Months	Minimum to Open $100,000	Dividend Rate 4.05%	APY* 4.13%

IRAs - Roth and Traditional
Savings Type	Dividend Rate	APY*
Savings Type Individual Retirement Accounts (IRAs) with Balance of $5 to $99.99	Dividend Rate 0.35%	APY* 0.35%
Savings Type Individual Retirement Accounts (IRAs) with Balance of $100 - $999.99	Dividend Rate 0.45%	APY* 0.45%
Savings Type Individual Retirement Accounts (IRAs) with Balance of $1,000 - $9,999.99	Dividend Rate 0.65%	APY* 0.65%
Savings Type Individual Retirement Accounts (IRAs) with Balance of $10,000 and Up	Dividend Rate 0.80%	APY* 0.80%

Coverdell Education Savings Rates
Savings Type	Dividend Rate	APY*
Savings Type Coverdell Education Savings Accounts with a Balance of $5 to $99.99	Dividend Rate 0.35%	APY* 0.35%
Savings Type Coverdell Education Savings Accounts with a Balance of $100 - $999.99	Dividend Rate 0.45%	APY* 0.45%
Savings Type Coverdell Education Savings Accounts with a Balance of $1,000 - $9,999.99	Dividend Rate 0.65%	APY* 0.65%
Savings Type Coverdell Education Savings Accounts with a Balance of $10,000 and up	Dividend Rate 0.80%	APY* 0.80%

Health Savings Account
Balance	Rate	APY*
Balance $1,000 - $1,999.99	Rate 0.35%	APY* 0.35%
Balance $2,000 - $9,999.99	Rate 0.45%	APY* 0.45%
Balance $10,000 and up	Rate 0.55%	APY* 0.55%

Home Equity Loans
Loan Type	Loan Term	Interest Rates - APR*
Maximum loan term is 20 years. Interest rate discounts are available on shorter term loans. There is 0.50% discount for a 10 year loan and a 0.25% discount for a 15 year loan. Loan rates are subject to change without notice. *APR – Annual Percentage Rate
Loan Type First Lien - $20,000 to $99,000	Loan Term 20 years	Interest Rates - APR* 6.75% - 8.00%
Loan Type First Lien - $100,000 to $299,999	Loan Term 20 years	Interest Rates - APR* 6.50% - 7.75%
Loan Type First Lien - $300,000 and up	Loan Term 20 years	Interest Rates - APR* 6.25% - 7.50%
Loan Type	Loan Term	Interest Rates - APR*
Loan Type 2nd Lien - $20,000 to $99,999	Loan Term 20 years	Interest Rates - APR* 8.00% - 9.25%
Loan Type 2nd Lien - $100,000 to $299,999	Loan Term 20 years	Interest Rates - APR* 7.75% - 9.00%
Loan Type 2nd Lien - $300,000 and up	Loan Term 20 years	Interest Rates - APR* 7.50% - 8.75%

Credit Cards
Type of Credit Card	Today's Interest Rate
Type of Credit Card Classic Card	Today's Interest Rate 10.24% - 17.24%
Type of Credit Card Rewards Card	Today's Interest Rate 14.24% - 18.00%
Type of Credit Card Savings Secured	Today's Interest Rate 17.99%

New Auto Loans - Cars and Light Trucks
Model Year(s)	Loan Term	Interest Rates (APR*)
Model Year(s) 2026	Loan Term 1 - 84 months	Interest Rates (APR) 4.15% to 15.40%

Used Auto Loans - Cars and Light Trucks
Model Year	Loan Term	Interest Rates (APR*)
Model Year 2025	Loan Term 1 - 84 months	Interest Rates (APR) 4.15% to 18.00%
Model Year 2024	Loan Term 1 - 84 months	Interest Rates (APR) 4.15% to 18.00%
Model Year 2023	Loan Term 1 - 78 months	Interest Rates (APR) 4.40% to 18.00%
Model Year 2022	Loan Term 1 - 72 months	Interest Rates (APR) 4.50% to 18.00%
Model Year 2021	Loan Term 1 - 66 months	Interest Rates (APR) 4.60% to 18.00%
Model Year 2020	Loan Term 1 - 60 months	Interest Rates (APR) 4.70% to 18.00%
Model Year 2019	Loan Term 1 - 54 months	Interest Rates (APR) 4.80% to 18.00%
Model Year 2018	Loan Term 1 - 48 months	Interest Rates (APR) 4.90% to 18.00%
Model Year 2017	Loan Term 1 - 42 months	Interest Rates (APR) 5.00% to 18.00%
Model Year 2016	Loan Term 1 - 36 months	Interest Rates (APR) 5.10% to 18.00%
Model Year 2015 - 2007	Loan Term 1 - 36 months	Interest Rates (APR) 6.85% to 18.00%

Other Vehicle Loans
Model Year	Loan Term	Interest Rates
Model Year RVs - New (2026-2025)	Loan Term 1-84 months	Interest Rates 7.35%* - 17.99%
Model Year RVs over $55,000 - new	Loan Term 73-120 months	Interest Rates 8.35%* - 17.99%
Model Year RVs - 2025 (used) -2024	Loan Term 1-78 months	Interest Rates 7.60% - 17.99%
Model Year RVs 2023-2022	Loan Term 1-72 months	Interest Rates 7.85%* - 17.99%
Model Year RVs - 2021-2020	Loan Term 1-60 months	Interest Rates 8.10%* - 17.99%
Model Year RVs- 2019-2018	Loan Term 1-48 months	Interest Rates 8.35%* to 17.99%
Model Year RVs - 2017-2016	Loan Term 1-42 months	Interest Rates 8.60%* - 17.99%
Model Year Boats - New 2027-2025	Loan Term 1-72 months	Interest Rates 9.95%* to 17.99%
Model Year Boats Used 2025-2024	Loan Term 1-72 months	Interest Rates 10.45%* - 17.99%
Model Year Boats Used 2023-2022	Loan Term 1-60 months	Interest Rates 10.95%* - 17.99%
Model Year Boats Used 2021-2020	Loan Term 1-54 months	Interest Rates 11.45%* - 17.99%
Model Year Boats Used 2019-2018	Loan Term 1-48 months	Interest Rates 11.95%* - 17.99%
Model Year Boats Used 2017-2016	Loan Term 1-36 months	Interest Rates 12.45%* - 17.99%
Model Year Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only	Loan Term 1 - 60 months	Interest Rates 7.05%* to 17.99%
Model Year Antique/Classic Autos	Loan Term 1 - 36 months	Interest Rates 7.05%* to 17.99%

Personal Loan
Loan Type	Loan Term	Interest Rates
Loan Type Personal Signature Loan	Loan Term 1-36 months	Interest Rates 10.00*% to 17.99%
Loan Type Personal Signature Loan	Loan Term 37 - 48** months	Interest Rates 11.00%* to 16.10%
Loan Type Personal Signature Loan	Loan Term 49 - 60** months	Interest Rates 12.00%* to 14.10%

Savings Secured Loans
Loan Type	Term	Interest Rates
Loan Type Savings Secured	Term 1-36 months	Interest Rates 2.35%
Loan Type Savings Secured	Term 37-60 months	Interest Rates 3.35%
Loan Type Savings Secured	Term 61-72 months	Interest Rates 4.35%
Loan Type Certificate Secured	Term varies	Interest Rates 2.00% over certificate dividend rate
Loan Type Credit Builder	Term 12 or 18 months	Interest Rates 4.35%

Personal Line of Credit
Loan Type	Terms Up To	Interest Rates
Loan Type Personal Line of Credit	Terms Up To No Set Term	Interest Rates 7.75% to 16.75%

Consumer Loans
Loan Type	Term Up To	Interest Rates
Loan Type Furniture, Appliances, Computers, Musical Instruments	Term Up To 1-36 months	Interest Rates 10.25%*-18.00%

Loan Discounts
Product or Purchase	Discount
Product or Purchase An active checking account at ATFCU	Discount 0.10%
Product or Purchase A regularly scheduled direct deposit made to any of your ATFCU accounts	Discount 0.10%
Product or Purchase Purchase mechanical breakdown insurance on your car or light truck	Discount 0.20%
Product or Purchase Purchase GAP coverage for your auto, light truck, boat or RV loan	Discount 0.05%
Product or Purchase Purchase credit disability insurance	Discount 0.20%
Product or Purchase Purchase credit life insurance	Discount 0.10%

Disclosures

APR = Annual Percentage Rate

Rates subject to change without notice.

*The lowest loan interest rates shown above reflect all available interest rate discounts. For 2026, 2025, and 2024 vehicles the lowest available base rate with no discounts is 4.90%. For 2023 models – 5.15%; 2022 models – 5.25%; 2021 models –5.35%; 2020 models – 5.45%; 2019 models – 5.55%; 2018 models – 5.65%, 2017 models – 5.75%; 2016 models – 5.85%; Model years 2007 – 2015 – 7.60%.

For RV’s, 7.90% is the lowest rate available without discounts. For boats it is 10.50%; For motorcyles, ATV’s, cargo trailers and personal watercraft the rate is 10.50%.

For Personal Loans the lowest rate without discounts is 10.50%. For appliances, furniture, computers, and musical instruments the lowest undiscounted rate is 10.75%.

All rates are stated as APRs – Annual Percentage Rates.

**Extended loan terms may be available for larger personal loans. Please discuss the situation with your Loan Officer.