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Personal Loans

Manage change - planned and unplanned.

Flexible Tools for Individual Circumstances


Life doesn’t stick to a prepared script. Personal loans can help you navigate the surprises. Rates are affordable and lower than most credit cards.

Which personal loan is right for you?

  • Best for members who:

    Best for members who:

  • Rate Type

    Rate Type

  • Loan Term

    Loan Term

  • Loan Limits

    Loan Limits

  • Loan Rate*

    Loan Rate*

Personal Line of Credit

  • Best for members who:

    Need funds on an recurring basis

  • Rate Type

    Variable1

  • Loan Term

    1-36 months

  • Loan Limits

    $300 - $15,000

  • Loan Rate*

    7.75% - 16.75% APR

Personal Signature Loan

  • Best for members who:

    Need funds for a specific purpose

  • Rate Type

    Fixed

  • Loan Term

    1-36 months

  • Loan Limits

    $300 - $15,000

  • Loan Rate*

    8.50% - 17.25% APR

Personal Secured Loan

  • Best for members who:

    Have funds in ATFCU checking or CDs to use as collateral

  • Rate Type

    Fixed

  • Loan Term

    1-72 months

  • Loan Limits

    Dependent upon account balance

  • Loan Rate*

    2.00% - 4.00% APR

See today’s rates

Personal Loan

Loan Type

Loan Term

Interest Rates

Loan Type

Personal Signature Loan

Loan Term

1-36 months

Interest Rates

8.0*%-17.25%

Loan Type

Personal Signature Loan

Loan Term

37 - 48** months 

Interest Rates

9.0%* to 12.25%

Loan Type

Personal Signature Loan

Loan Term

49 - 60** months 

Interest Rates

10.0%* to 13.25%

Share Secured Loans

Loan Type

Term

Interest Rates

Loan Type

Share Secured

Term

1-36 months

Interest Rates

2.00%

Loan Type

Share Secured

Term

37-60 months

Interest Rates

3.00%

Loan Type

Share Secured

Term

61-72 months

Interest Rates

4.00%

Loan Type

Certificate Secured

Term

varies

Interest Rates

2.00% over certificate rate

Loan Type

Credit Builder

Term

12-18 months

Interest Rates

4%

Personal Line of Credit

Loan Type

Terms Up To

Interest Rates

Loan Type

Personal Line of Credit

Terms Up To

1-36 months

Interest Rates

7.75%-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

5.25%*-16.75%

Loan FAQs

The credit union evaluates two things when deciding to approve a loan:

  • Your history of repayment 
  • The amount of debt you are carrying

The credit report helps us answer those questions.

Yes. Today would be a great day to JOIN the credit union!

Yes, you can use a credit card to make a loan payment.  We have several options to choose from:

  • By phone: You can call 325.677.2274 and make a payment with a credit card over the phone.  There is a $5 convenience fee.
  • Online by logging into your ATFCU online banking or mobile app.  There is a $4 convenience fee.  For online banking, select ‘Pay My ATFCU Loan’ from the ‘Move Money’ tab and follow the prompts.  To pay on the mobile app, from the ‘More’ screen choose ‘Pay My ATFCU Loan’ and follow the prompts.
  • In person: If you are local, you can get a cash advance from your credit card at any of our lobby locations.  We do not charge a fee for cash advances, however your credit card company may.

Put our calculators to work.

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Apply today.

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Disclosures

All loans subject to approval. Rates, terms & conditions are subject to change and may vary based on creditworthiness, qualifications & collateral conditions.

1If market pressures dictate, the interest rate on all personal lines of credit may change. You will be given at least 45 days written notice of such an increase. Other than that particular circumstance, your rate will not change on a monthly basis.

APR = Annual Percentage Rate
*The rates shown reflect all available discounts. Discount information is referenced above. The lowest available base rate with no discounts is 8.50% for Signature loans and 7.75% APR for Personal Line of Credit loans.
**Loan terms of 37 to 60 months on personal loans are available to those meeting credit requirements.