A Share Secured Loan is the least expensive way to borrow money. You are borrowing against your savings at ATFCU by pledging those funds toward your loan, while still earning dividends on the pledged amount.

A Certificate Secured Loan is similar with the pledged funds being invested in certificates of deposit at Abilene Teachers FCU. Interest continues to accrue on the CD’s while they are used as collateral.

Credit Builder Loan is designed for those who have no credit history or those working to improve their credit score. The amount borrowed is held, untouched, in your savings account. You make payments for the designated loan term. When the loan is paid off, the proceeds are released to the borrower. 

There are two options for credit builder loans:

  • $500 for 12 months
  • $1,000 for 18 months

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Loan Discounts

Rates shown are Annual Percentage Rates (APR). Rates are subject to change. These rates effective January 1, 2018.

Loan rates are based on credit worthiness.  The lowest rates shown above reflect all available discounts.   *For share secured loans, the lowest available base rates without discounts are  2.00% for loans of 1 - 36 months; 3.00% for loans of 37 - 60 months; and 4.00% for loans of 61 - 72 months.

*For credit builder loans, the lowest available base rate without discounts is 4.00%