Rates
|
Balance |
Min. to Open |
Rate |
APY* |
|---|---|---|---|
|
Balance $1,000 - $1,999 |
Min. to Open $25 |
Rate 0.65% |
APY* 0.65% |
|
Balance $2,000 - $9,999 |
Min. to Open $25 |
Rate 0.75% |
APY* 0.75% |
|
Balance $10,000+ |
Min. to Open $25 |
Rate 0.85% |
APY* 0.85% |
|
Balance |
Min. to Open |
Rate |
APY* |
|---|---|---|---|
|
Balance Savings with Balance of $25 - $100 |
Min. to Open $25.00 |
Rate 0.45% |
APY* 0.45% |
|
Balance Savings with Balance of $100 - $1,000 |
Min. to Open $25.00 |
Rate 0.55% |
APY* 0.55% |
|
Balance Savings with Balance of $1,000+ |
Min. to Open $25.00 |
Rate 0.65% |
APY* 0.65% |
|
Term |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Term 3 Months |
Min. to Open $500 |
Dividend Rate 2.35% |
APY* 2.38% |
|
Term 6 Months |
Min. to Open $500. |
Dividend Rate 2.45% |
APY* 2.48% |
|
Term 12 Month |
Min. to Open $500 |
Dividend Rate 3.00% |
APY* 3.04% |
|
Term 15 Month Special |
Min. to Open $500 |
Dividend Rate 3.50% |
APY* 3.56% |
|
Term 17 Month Special |
Min. to Open $500 |
Dividend Rate 4.55% |
APY* 4.65% |
|
Term 18 Month |
Min. to Open $500 |
Dividend Rate 2.65% |
APY* 2.68% |
|
Term 24 Month |
Min. to Open $500 |
Dividend Rate 2.75% |
APY* 2.78% |
|
Terms |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Terms 3 Months |
Min. to Open $100,000 |
Dividend Rate 2.55% |
APY* 2.58% |
|
Terms 6 Month |
Min. to Open $100,000 |
Dividend Rate 2.65% |
APY* 2.68% |
|
Terms 12 Month |
Min. to Open $100,000 |
Dividend Rate 3.20% |
APY* 3.25% |
|
Terms 15 Month Special |
Min. to Open $100,000 |
Dividend Rate 3.70% |
APY* 3.76% |
|
Terms 17 Month Special |
Min. to Open $100,000 |
Dividend Rate 4.75% |
APY* 4.85% |
|
Terms 18 Month |
Min. to Open $100,000 |
Dividend Rate 2.85% |
APY* 2.89% |
|
Terms 24 Month |
Min. to Open $100,000 |
Dividend Rate 2.95% |
APY* 2.99% |
|
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $100+ |
Min. to Open $25 |
Dividend Rate .85% |
APY* 0.85% |
|
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Savings Type Coverdell Education Savings Accounts with Balance of $100+ |
Min. to Open $100 |
Dividend Rate 0.85% |
APY* 0.85% |
|
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 Type First Lien - $20,000 to $99,000 |
Loan Term 20 years |
Interest Rates - APR 7.40% - 8.65% |
|
Loan Type First Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rates - APR 7.15% - 8.40% |
|
Loan Type First Lien - $300,000 and up |
Loan Term 20 years |
Interest Rates - APR 6.90% - 8.15% |
|
Loan Type |
Loan Term |
Interest Rates - APR |
|
Loan Type 2nd Lien - $20,000 to $99,999 |
Loan Term 20 years |
Interest Rates - APR 8.65% - 9.90% |
|
Loan Type 2nd Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rates - APR 8.40% - 9.65% |
|
Loan Type 2nd Lien - $300,000 and up |
Loan Term 20 years |
Interest Rates - APR 8.15% - 9.40% |
|
Loan Type |
Loan Term |
Interest Rate - 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 Type 1st Lien - $20,000 to $99,999 |
Loan Term 20 years |
Interest Rate - APR* 7.90% - 9.15% |
|
Loan Type 1st Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rate - APR* 7.65% - 8.90% |
|
Loan Type 1st Lien - $300,000 and up |
Loan Term 20 years |
Interest Rate - APR* 7.40% - 8.65% |
|
Loan Type |
Loan Term |
Interest Rate - APR* |
|
Loan Type 2nd Lien - $20,000 to $99,999 |
Loan Term 20 years |
Interest Rate - APR* 9.90% - 11.15% |
|
Loan Type 2nd Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rate - APR* 9.65% - 10.90% |
|
Loan Type 1st Lien - $300,000 and up |
Loan Term 20 years |
Interest Rate - APR* 9.40% - 10.65% |
|
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) 2023 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 5.00%* to 16.25% |
|
Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year 2022 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 5.00%* to 16.25% |
|
Model Year 2021 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 5.00%* to 16.25% |
|
Model Year 2020 |
Loan Term 1 - 78 months |
Interest Rates (APR*) 5.25%* to 16.50% |
|
Model Year 2019 |
Loan Term 1 - 72 months |
Interest Rates (APR*) 5.35%* to 16.60% |
|
Model Year 2018 |
Loan Term 1 - 66 months |
Interest Rates (APR*) 5.45%* to 16.70% |
|
Model Year 2017 |
Loan Term 1 - 60 months |
Interest Rates (APR*) 5.55%* to 16.80% |
|
Model Year 2016 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 5.65%* to 16.90% |
|
Model Year 2015 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 5.75%* to 17.00% |
|
Model Year 2014 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 5.85%* to 17.10% |
|
Model Year 2013 |
Loan Term 1- 36 months |
Interest Rates (APR*) 5.95%* to 17.20% |
|
Model Year 2004 - 2012 |
Loan Term 1-36 months |
Interest Rates (APR*) 7.70%* to 17.99% |
|
Model Year |
Loan Term |
Interest Rates |
|---|---|---|
|
Model Year Boats - New or Used |
Loan Term 1-72 months |
Interest Rates 9.25%* to 17.99% |
|
Model Year RV's - New or Used |
Loan Term 1-72 months |
Interest Rates 7.25%* to 17.95% |
|
Model Year RV’s over $50,000 - New |
Loan Term 73-120 months |
Interest Rates 7.75%* to 19.95% |
|
Model Year Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only |
Loan Term 1 - 60 months |
Interest Rates 7.95%* to 17.99% |
|
Model Year Antique/Classic Autos |
Loan Term 1 - 36 months |
Interest Rates 7.70%* to 17.99% |
|
Loan Type |
Loan Term |
Interest Rates |
|---|---|---|
|
Loan Type Personal Signature Loan |
Loan Term 1-36 months |
Interest Rates 10.25*% to 17.95% |
|
Loan Type Personal Signature Loan |
Loan Term 37 - 48** months |
Interest Rates 11.25%* to 16.35% |
|
Loan Type Personal Signature Loan |
Loan Term 49 - 60** months |
Interest Rates 12.25%* to 14.35% |
|
Loan Type |
Term |
Interest Rates |
|---|---|---|
|
Loan Type Share Secured |
Term 1-36 months |
Interest Rates 2.65% |
|
Loan Type Share Secured |
Term 37-60 months |
Interest Rates 3.65% |
|
Loan Type Share Secured |
Term 61-72 months |
Interest Rates 4.65% |
|
Loan Type Certificate Secured |
Term varies |
Interest Rates 2.00% over certificate rate |
|
Loan Type Credit Builder |
Term 12 or 18 months |
Interest Rates 4.65% |
|
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 10.25%*-17.95% |
|
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% |
|
Term |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Term Standard CD - 17 Months |
Min. to Open $500 |
Dividend Rate 4.55% |
APY* 4.65% |
|
Term Jumbo CD - 17 Months |
Min. to Open $100,000 |
Dividend Rate 4.75% |
APY* 4.85% |
|
Term Standard CD - 15 Months |
Min. to Open $500 |
Dividend Rate 3.50% |
APY* 3.56% |
|
Term Jumbo CD - 15 Months |
Min. to Open $100,000 |
Dividend Rate 3.70% |
APY* 3.76% |
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 new vehicles, the lowest available base rate with no discounts is 5.75%. For 2022 models, the lowest rate is 5.75%; 2021 models – 5.75%; 2020 models – 6.00%; 2019 models –6.10%; 2018 models – 6.20%; 2017 models – 6.30%; 2016 models – 6.40%, 2015 models – 6.50%; 2014 models – 6.60%; 2013 models – 6.70%. For model years 2004 – 2012, the lowest rate is without discounts is 8.45%. All rates are stated as APRs.
For RV’s, 7.75% is the lowest rate available without discounts. For boats it is 9.75%; it is 8.45% for Other Vehicles; and 10.75% 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.