Rates
|
Balance |
Minimum to Open |
Rate |
APY* |
|---|---|---|---|
|
Balance $1,000 - $1,999 |
Minimum to Open $25 |
Rate 0.30% |
APY* 0.30% |
|
Balance $2,000 - $9,999 |
Minimum to Open $25 |
Rate 0.40% |
APY* 0.40% |
|
Balance $10,000 and Up |
Minimum to Open $25 |
Rate 0.50% |
APY* 0.50% |
|
Balance |
Minimum to Open |
Rate |
APY* |
|---|---|---|---|
|
Balance $5 - $99.99 |
Minimum to Open $5.00 |
Rate 0.10% |
APY* 0.10% |
|
Balance $100 - $999.99 |
Minimum to Open $5.00 |
Rate 0.20% |
APY* 0.20% |
|
Balance $1,000 and Up |
Minimum to Open $5.00 |
Rate 0.30% |
APY* 0.30% |
|
Balance |
Minimum to Earn Interest |
Rate |
APY* |
|---|---|---|---|
|
Balance $0 - $2,499.99 |
Minimum to Earn Interest $2,500 |
Rate 0.00% |
APY* 0.00% |
|
Balance $2,500 - $9,999.99 |
Minimum to Earn Interest $2,500 |
Rate 1.85% |
APY* 1.87% |
|
Balance $10,000 - $24,999.99 |
Minimum to Earn Interest $2,500 |
Rate 1.95% |
APY* 1.97% |
|
Balance $25,000 - $49,999.99 |
Minimum to Earn Interest $2,500 |
Rate 2.05% |
APY* 2.07% |
|
Balance $50,000 - $74,999.99 |
Minimum to Earn Interest $2,500 |
Rate 2.25% |
APY* 2.27% |
|
Balance $75,000 - $99,999.99 |
Minimum to Earn Interest $2,500 |
Rate 2.40% |
APY* 2.43% |
|
Balance $100,000 and Up |
Minimum to Earn Interest $2,500 |
Rate 2.70% |
APY* 2.73% |
|
Term |
Minimum to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Term 3 Months |
Minimum to Open $500 |
Dividend Rate 3.60% |
APY* 3.66% |
|
Term 6 Months |
Minimum to Open $500 |
Dividend Rate 3.55% |
APY* 3.61% |
|
Term 12 Months |
Minimum to Open $500 |
Dividend Rate 3.20% |
APY* 3.25% |
|
Term 18 Months |
Minimum to Open $500 |
Dividend Rate 3.15% |
APY* 3.20% |
|
Term 24 Months |
Minimum to Open $500 |
Dividend Rate 3.10% |
APY* 3.14% |
|
Terms |
Minimum to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Terms 3 Months |
Minimum to Open $100,000 |
Dividend Rate 3.80% |
APY* 3.87% |
|
Terms 6 Months |
Minimum to Open $100,000 |
Dividend Rate 3.75% |
APY* 3.82% |
|
Terms 12 Months |
Minimum to Open $100,000 |
Dividend Rate 3.40% |
APY* 3.45% |
|
Terms 18 Months |
Minimum to Open $100,000 |
Dividend Rate 3.35% |
APY* 3.40% |
|
Terms 24 Months |
Minimum to Open $100,000 |
Dividend Rate 3.30% |
APY* 3.35% |
|
Savings Type |
Dividend Rate |
APY* |
|---|---|---|
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $5 to $99.99 |
Dividend Rate 0.45% |
APY* 0.45% |
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $100 - $999.99 |
Dividend Rate 0.55% |
APY* 0.55% |
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $1,000 - $9,999.99 |
Dividend Rate 0.75% |
APY* 0.75% |
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $10,000 and Up |
Dividend Rate 0.80% |
APY* 0.80% |
|
Savings Type |
Dividend Rate |
APY* |
|---|---|---|
|
Savings Type Coverdell Education Savings Accounts with Balance of $5 to $99.99 |
Dividend Rate 0.45% |
APY* 0.45% |
|
Savings Type Coverdell Education Savings Accounts with Balance of $100 - $999 |
Dividend Rate 0.55% |
APY* 0.55% |
|
Savings Type Coverdell Education Savings Accounts with Balance of $1,000 - $9,999 |
Dividend Rate 0.75% |
APY* 0.75% |
|
Savings Type Coverdell Education Savings Accounts with Balance of $10,000 and up |
Dividend Rate 0.80% |
APY* 0.80% |
|
Balance |
Rate |
APY* |
|---|---|---|
|
Balance $1,000 - $1,999.99 |
Rate 0.30% |
APY* 0.30% |
|
Balance $2,000 - $9,999.99 |
Rate 0.40% |
APY* 0.40% |
|
Balance $10,000 and up |
Rate 0.50% |
APY* 0.50% |
|
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* 6.10% - 7.35% |
|
Loan Type First Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rates - APR* 5.85% - 7.10% |
|
Loan Type First Lien - $300,000 and up |
Loan Term 20 years |
Interest Rates - APR* 5.60% - 6.85% |
|
Loan Type |
Loan Term |
Interest Rates - APR* |
|
Loan Type 2nd Lien - $20,000 to $99,999 |
Loan Term 20 years |
Interest Rates - APR* 7.35% - 8.60% |
|
Loan Type 2nd Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rates - APR* 7.10% - 8.35% |
|
Loan Type 2nd Lien - $300,000 and up |
Loan Term 20 years |
Interest Rates - APR* 6.85% - 8.10% |
|
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* 7.10% - 8.35% |
|
Loan Type 1st Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rate - APR* 6.85% - 8.10% |
|
Loan Type 1st Lien - $300,000 and up |
Loan Term 20 years |
Interest Rate - APR* 6.60% - 7.85% |
|
Loan Type |
Loan Term |
Interest Rate - APR* |
|
Loan Type 2nd Lien - $20,000 to $99,999 |
Loan Term 20 years |
Interest Rate - APR* 8.60% - 9.85% |
|
Loan Type 2nd Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rate - APR* 8.35% - 9.60% |
|
Loan Type 1st Lien - $300,000 and up |
Loan Term 20 years |
Interest Rate - APR* 8.10% - 9.35% |
|
Type of Credit Card |
Today's Interest Rate |
|---|---|
|
Type of Credit Card Classic Card |
Today's Interest Rate 10.74% - 17.74% |
|
Type of Credit Card Rewards Card |
Today's Interest Rate 14.74% - 18.00% |
|
Type of Credit Card Savings Secured |
Today's Interest Rate 17.99% |
|
Model Year(s) |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year(s) 2025 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.00%* to 15.25% |
|
Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year 2024 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.00%* to 15.25% |
|
Model Year 2023 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.00%* to 15.25% |
|
Model Year 2022 |
Loan Term 1 - 78 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year 2021 |
Loan Term 1 - 72 months |
Interest Rates (APR*) 4.35%* to 15.60% |
|
Model Year 2020 |
Loan Term 1 - 66 months |
Interest Rates (APR*) 4.45%* to 15.70% |
|
Model Year 2019 |
Loan Term 1 - 60 months |
Interest Rates (APR*) 4.55%* to 15.80% |
|
Model Year 2018 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 4.65%* to 15.90% |
|
Model Year 2017 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 4.75%* to 16.00% |
|
Model Year 2016 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 4.85%* to 16.10% |
|
Model Year 2015 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 4.95%* to 16.20% |
|
Model Year 2006 - 2014 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 6.70%* to 17.99% |
|
Model Year |
Loan Term |
Interest Rates |
|---|---|---|
|
Model Year RV's - New (2025-2024) |
Loan Term 1-84 months |
Interest Rates 7.20%* to 17.99% |
|
Model Year RV's - Used (2024-2015) |
Loan Term 1-78 months |
Interest Rates 7.45%* to 17.99% |
|
Model Year RV’s over $55,000 - New |
Loan Term 73-120 months |
Interest Rates 8.20%* to 17.99% |
|
Model Year Boats - New (2026-2024) |
Loan Term 1-72 months |
Interest Rates 9.70%* to 17.99% |
|
Model Year Boats - Used (2024-2015) |
Loan Term 1-72 months |
Interest Rates 10.20%* to 17.99% |
|
Model Year Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only |
Loan Term 1 - 60 months |
Interest Rates 6.90%* to 17.99% |
|
Model Year Antique/Classic Autos |
Loan Term 1 - 36 months |
Interest Rates 6.90%* to 17.99% |
|
Loan Type |
Loan Term |
Interest Rates |
|---|---|---|
|
Loan Type Personal Signature Loan |
Loan Term 1-36 months |
Interest Rates 9.75*% to 17.95% |
|
Loan Type Personal Signature Loan |
Loan Term 37 - 48** months |
Interest Rates 10.75%* to 15.85% |
|
Loan Type Personal Signature Loan |
Loan Term 49 - 60** months |
Interest Rates 11.75%* to 13.85% |
|
Loan Type |
Term |
Interest Rates |
|---|---|---|
|
Loan Type Savings Secured |
Term 1-36 months |
Interest Rates 2.30% |
|
Loan Type Savings Secured |
Term 37-60 months |
Interest Rates 3.30% |
|
Loan Type Savings Secured |
Term 61-72 months |
Interest Rates 4.30% |
|
Loan Type Certificate Secured |
Term varies |
Interest Rates 2.00% over certificate rate |
|
Loan Type Credit Builder |
Term 12 or 18 months |
Interest Rates 4.30% |
|
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% |
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 5.00%. For 2024 models, the lowest rate is 4.75%; 2023 models – 5.00%; 2022 models – 5.10%; 2021 models –5.20%; 2020 models – 5.30%; 2019 models – 5.40%; 2018 models – 5.50%, 2017 models – 5.60%; 2016 models – 5.70%; 2015 models – . For model years 2006 – 2014, the lowest rate is without discounts is 7.70%. All rates are stated as APRs.
For RV’s, 7.75% is the lowest rate available without discounts. For boats it is 10.25%; it is 7.45% 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.