Rates
|
Balance |
Min. to Open |
Rate |
APY* |
|---|---|---|---|
|
Balance $1,000 - $1,999 |
Min. to Open $25 |
Rate 0.07% |
APY* 0.07% |
|
Balance $2,000 - $9,999 |
Min. to Open $25 |
Rate 0.10% |
APY* 0.10% |
|
Balance $10,000+ |
Min. to Open $25 |
Rate 0.13% |
APY* 0.13% |
|
Balance |
Min. to Open |
Rate |
APY* |
|---|---|---|---|
|
Balance Savings with Balance of $25 - $100 |
Min. to Open $25.00 |
Rate 0.06% |
APY* 0.06% |
|
Balance Savings with Balance of $100 - $1,000 |
Min. to Open $25.00 |
Rate 0.07% |
APY* 0.07% |
|
Balance Savings with Balance of $1,000+ |
Min. to Open $25.00 |
Rate 0.10% |
APY* 0.10% |
|
Term |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Term 3 Months |
Min. to Open $500 |
Dividend Rate 0.31% |
APY* 0.31% |
|
Term 6 Months |
Min. to Open $500. |
Dividend Rate 0.31% |
APY* 0.31% |
|
Term 12 Month |
Min. to Open $500 |
Dividend Rate 0.45% |
APY* 0.45% |
|
Term 18 Month |
Min. to Open $500 |
Dividend Rate 0.50% |
APY* 0.50% |
|
Term 24 Month |
Min. to Open $500 |
Dividend Rate 0.65% |
APY* 0.65% |
|
Terms |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Terms 3 Months |
Min. to Open $100,000 |
Dividend Rate 0.51% |
APY* 0.51% |
|
Terms 6 Month |
Min. to Open $100,000 |
Dividend Rate 0.51% |
APY* 0.51% |
|
Terms 12 Month |
Min. to Open $100,000 |
Dividend Rate 0.65% |
APY* 0.65% |
|
Terms 18 Month |
Min. to Open $100,000 |
Dividend Rate 0.70% |
APY* 0.70% |
|
Terms 24 Month |
Min. to Open $100,000 |
Dividend Rate 0.85% |
APY* 0.85% |
|
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $100+ |
Min. to Open $25 |
Dividend Rate 0.15% |
APY* 0.15% |
|
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Savings Type Coverdell Education Savings Accounts with Balance of $100+ |
Min. to Open $25 |
Dividend Rate 0.15% |
APY* 0.15% |
|
Loan Type |
Loan Term |
APR as Low As |
|---|---|---|
|
Loan rates are subject to change without notice. |
||
|
Loan Type 1st Lien, $20,000 & up |
Loan Term 10, 15 or 20 years |
APR as Low As 6.50% |
|
Loan Type 2nd Lien, $20,000 & up |
Loan Term 10, 15 or 20 years |
APR as Low As 7.75% |
|
Loan Type |
Loan Term |
APR as Low As |
|---|---|---|
|
Loan rates are subject to change without notice. |
||
|
Loan Type 1st Lien, $20,000 & up |
Loan Term 10, 15 or 20 years |
APR as Low As 6.75% |
|
Loan Type 2nd Lien, $20,000 & up |
Loan Term 10, 15 or 20 years |
APR as Low As 8.75% |
|
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*) 3.25* to 16.00% |
|
Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year 2021 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 3.30%* to 16.05% |
|
Model Year 2020 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 3.40%* to 16.40% |
|
Model Year 2019 |
Loan Term 1 - 78 months |
Interest Rates (APR*) 3.50%* to 16.50% |
|
Model Year 2018 |
Loan Term 1 - 72 months |
Interest Rates (APR*) 3.60%* to 16.60% |
|
Model Year 2017 |
Loan Term 1 - 66 months |
Interest Rates (APR*) 3.70%* to 16.70% |
|
Model Year 2016 |
Loan Term 1 - 60 months |
Interest Rates (APR*) 3.80%* to 16.80% |
|
Model Year 2015 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 3.90%* to 16.90% |
|
Model Year 2014 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 4.00%* to 17.00% |
|
Model Year 2013 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 4.10%* to 17.10% |
|
Model Year 2012 |
Loan Term 1- 36 months |
Interest Rates (APR*) 4.20%* to 16.95% |
|
Model Year 2003 - 2011 |
Loan Term 1-36 months |
Interest Rates (APR*) 6.25%* to 17.95% |
|
Model Year |
Loan Term |
Interest Rates |
|---|---|---|
|
Model Year Boats - New or Used |
Loan Term 1-72 months |
Interest Rates 7.50%* to 17.95% |
|
Model Year RV's - New or Used |
Loan Term 1-72 months |
Interest Rates 5.50%* to 17.95% |
|
Model Year RV’s over $50,000 - New |
Loan Term 73-120 months |
Interest Rates 6.00%* to 19.95% |
|
Model Year Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only |
Loan Term 1 - 60 months |
Interest Rates 6.75%* to 17.95% |
|
Model Year Antique/Classic Autos |
Loan Term 1 - 36 months |
Interest Rates 6.00%* to 17.75% |
|
Loan Type |
Loan Term |
Interest Rates |
|---|---|---|
|
Loan Type Personal Signature Loan |
Loan Term 1-36 months |
Interest Rates 10.75*% to 17.95% |
|
Loan Type Personal Signature Loan |
Loan Term 37 - 48** months |
Interest Rates 11.75%* to 15.00% |
|
Loan Type Personal Signature Loan |
Loan Term 49 - 60** months |
Interest Rates 12.75%* to 14.50% |
|
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 or 18 months |
Interest Rates 3.50% to 4.00% |
|
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 10.75%*-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% |
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 4.00%. For 2021 models, the lowest rate is 4.05%; 2020 models – 4.15%; 2019 models – 4.25%; 2018 models – 4.35%; 2017 models – 4.45%; 2016 models – 4.55%; 2015 models – 4.65%, 2014 models – 4.75%; 2013 models – 4.85%; 2012 models – 4.95%. For model years 2003 – 2011, the lowest rate is without discounts is 6.75%. All rates are stated as APRs.
For RV’s, 6.00% is the lowest rate available without discounts. For boats it is 8.00%; it is 7.25% for Other Vehicles; and 11.25% 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.