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.

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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.   The lowest available base rates with no 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.