Rates
|
Balance |
Min. to Open |
Rate |
APY* |
|---|---|---|---|
|
Balance $0 - $1,000 |
Min. to Open $25 |
Rate 0.00% |
APY* 0.00% |
|
Balance $1,000 - $1,999 |
Min. to Open $25 |
Rate 0.010% |
APY* 0.010% |
|
Balance $2,000 - $9,999 |
Min. to Open $25 |
Rate 0.020% |
APY* 0.020% |
|
Balance $10,000+ |
Min. to Open $25 |
Rate 0.050% |
APY* 0.050% |
|
Balance |
Min. to Open |
Rate |
APY* |
|---|---|---|---|
|
Balance Savings with Balance of $25 - $100 |
Min. to Open $25.00 |
Rate 0.010% |
APY* 0.010% |
|
Balance Savings with Balance of $100 - $1,000 |
Min. to Open $25.00 |
Rate 0.020% |
APY* 0.020% |
|
Balance Savings with Balance of $1,000+ |
Min. to Open $25.00 |
Rate 0.050% |
APY* 0.050% |
|
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $100+ |
Min. to Open $25 |
Dividend Rate 0.10% |
APY* 0.10% |
|
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Savings Type Coverdell Education Savings Accounts with Balance of $100+ |
Min. to Open $25 |
Dividend Rate 0.10% |
APY* 0.10% |
|
Term |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Here are some disclosures |
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|
Term 3 Months |
Min. to Open $500 |
Dividend Rate 0.16% |
APY* 0.16% |
|
Term 6 Months |
Min. to Open $500. |
Dividend Rate 0.16% |
APY* 0.16% |
|
Term 12 Month |
Min. to Open $500 |
Dividend Rate 0.30% |
APY* 0.30% |
|
Term 18 Month |
Min. to Open $500 |
Dividend Rate 0.35% |
APY* 0.35% |
|
Term 24 Month |
Min. to Open $500 |
Dividend Rate 0.50% |
APY* 0.50% |
|
Terms |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Terms 3 Months |
Min. to Open $100,000 |
Dividend Rate 0.36% |
APY* 0.36% |
|
Terms 6 Month |
Min. to Open $100,000 |
Dividend Rate 0.36% |
APY* 0.36% |
|
Terms 12 Month |
Min. to Open $100,000 |
Dividend Rate 0.50% |
APY* 0.50% |
|
Terms 18 Month |
Min. to Open $100,000 |
Dividend Rate 0.55% |
APY* 0.55% |
|
Terms 24 Month |
Min. to Open $100,000 |
Dividend Rate 0.70% |
APY* 0.70% |
|
Loan Type |
Loan Term |
APR as Low As |
|---|---|---|
|
Loan Type 1st Lien, $20,000 & up |
Loan Term 10, 15 or 20 years |
APR as Low As 5.85% |
|
Loan Type 2nd Lien, $20,000 & up |
Loan Term 10, 15 or 20 years |
APR as Low As 7.85% |
|
Loan Type |
Loan Term |
APR as Low As |
|---|---|---|
|
Loan Type 1st Lien, $20,000 & up |
Loan Term 10, 15 or 20 years |
APR as Low As 6.10% |
|
Loan Type 2nd Lien, $20,000 & up |
Loan Term 10, 15 or 20 years |
APR as Low As 8.10% |
|
Product |
Credit Line |
Annual Fee |
APR |
|---|---|---|---|
|
Product Visa or MasterCard |
Credit Line $500-$7,000 |
Annual Fee None |
APR 9.9% |
|
Product Visa Gold or Gold MasterCard |
Credit Line $7,000-$20,000 |
Annual Fee None |
APR 9.9% |
|
Model Year(s) |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year(s) 2022 & 2023 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 1.50%* to 14.75% |
|
Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year 2021 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 1.55%* to 14.80% |
|
Model Year 2020 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 1.60%* to 15.05% |
|
Model Year 2019 |
Loan Term 1 - 78 months |
Interest Rates (APR*) 1.65%* to 15.10% |
|
Model Year 2018 |
Loan Term 1 - 72 months |
Interest Rates (APR*) 1.70%* to 15.20% |
|
Model Year 2017 |
Loan Term 1 - 66 months |
Interest Rates (APR*) 1.75%* to 15.25% |
|
Model Year 2016 |
Loan Term 1 - 60 months |
Interest Rates (APR*) 1.80%* to 15.30% |
|
Model Year 2015 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 1.85%* to 15.35% |
|
Model Year 2014 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 1.90%* to 15.40% |
|
Model Year 2013 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 1.95%* to 15.45% |
|
Model Year 2012 |
Loan Term 1- 36 months |
Interest Rates (APR*) 2.00%* to 15.25% |
|
Model Year |
Loan Term |
Interest Rates |
|---|---|---|
|
Model Year Boats - New or Used |
Loan Term 1-72 months |
Interest Rates 4.70%* to 17.75% |
|
Model Year RV's - New or Used |
Loan Term 1-72 months |
Interest Rates 3.25%* to 16.25% |
|
Model Year RV’s over $50,000 - New |
Loan Term 73-120 months |
Interest Rates 3.75%* to 18.25% |
|
Model Year Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only |
Loan Term 1 - 60 months |
Interest Rates 4.25%* to 16.25% |
|
Model Year Antique/Classic Autos |
Loan Term 1 - 36 months |
Interest Rates 4.50%* to 17.50% |
|
Loan Type |
Loan Term |
Interest Rates |
|---|---|---|
|
Loan Type Personal Signature Loan |
Loan Term 1-36 months |
Interest Rates 8.25*% to 17.50% |
|
Loan Type Personal Signature Loan |
Loan Term 37 - 48** months |
Interest Rates 9.25%* to 12.50% |
|
Loan Type Personal Signature Loan |
Loan Term 49 - 60** months |
Interest Rates 10.25%* to 12.00% |
|
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% |
|
Loan Type |
Terms Up To |
Interest Rates |
|---|---|---|
|
Loan Type Personal Line of Credit |
Terms Up To 1-36 months |
Interest Rates 7.75% to 16.75% |
|
Loan Type |
Term Up To |
Interest Rates |
|---|---|---|
|
Loan Type Furniture, Appliances, Computers, Musical Instruments |
Term Up To 1-36 months |
Interest Rates 8.25%*-17.50% |
|
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
*The lowest loan interest rates shown above reflect all available interest rate discounts. For new vehicles, the lowest available base rate with no discounts is 2.25%. For 2021 models, the lowest rate is 2.30%; 2020 models – 2.35%; 2019 models – 2.40%; 2018 models – 2.45%; 2017 models – 2.50%; 2016 models – 2.55%; 2015 models – 2.60%, 2014 models – 2.65%; 2013 models – 2.70%; 2012 models – 2.75%. All rates stated as APRs.
For RV’s, 3.75% is the lowest rate available without discounts. For boats it is 5.25%; it is 4.75% for Other Vehicles; and 8.75% for Household Goods and Personal Signature Loans.
**Extended loan terms may be available for larger personal loans. Please discuss the situation with your Loan Officer.