Rates
|
Balance |
Min. to Open |
Rate |
APY* |
|---|---|---|---|
|
Balance $1,000 - $1,999 |
Min. to Open $25 |
Rate 0.35% |
APY* 0.35% |
|
Balance $2,000 - $9,999 |
Min. to Open $25 |
Rate 0.45% |
APY* 0.45% |
|
Balance $10,000 and Up |
Min. to Open $25 |
Rate 0.55% |
APY* 0.55% |
|
Balance |
Min. to Open |
Rate |
APY* |
|---|---|---|---|
|
Balance $25 - $100 |
Min. to Open $25.00 |
Rate 0.15% |
APY* 0.15% |
|
Balance $101 - $1000 |
Min. to Open $25.00 |
Rate 0.25% |
APY* 0.25% |
|
Balance $1,001 and Up |
Min. to Open $25.00 |
Rate 0.35% |
APY* 0.35% |
|
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 1.90% |
APY* 1.92% |
|
Balance $10,000 - $24,999.99 |
Minimum to Earn Interest $2,500 |
Rate 2.00% |
APY* 2.02% |
|
Balance $25,000 - $49,999.99 |
Minimum to Earn Interest $2,500 |
Rate 2.10% |
APY* 2.12% |
|
Balance $50,000 - $74,999.99 |
Minimum to Earn Interest $2,500 |
Rate 2.30% |
APY* 2.32% |
|
Balance $75,000 - $99,999.99 |
Minimum to Earn Interest $2,500 |
Rate 2.45% |
APY* 2.48% |
|
Balance $100,000 and Up |
Minimum to Earn Interest $2,500 |
Rate 2.75% |
APY* 2.78% |
|
Term |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Term 3 Months |
Min. to Open $500 |
Dividend Rate 3.10% |
APY* 3.14% |
|
Term 6 Months |
Min. to Open $500 |
Dividend Rate 3.15% |
APY* 3.20% |
|
Term 12 Month |
Min. to Open $500 |
Dividend Rate 3.20% |
APY* 3.25% |
|
Term 18 Month |
Min. to Open $500 |
Dividend Rate 3.25% |
APY* 3.30% |
|
Term 24 Month |
Min. to Open $500 |
Dividend Rate 3.30% |
APY* 3.35% |
|
Terms |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Terms 3 Months |
Min. to Open $100,000 |
Dividend Rate 3.30% |
APY* 3.35% |
|
Terms 6 Month |
Min. to Open $100,000 |
Dividend Rate 3.35% |
APY* 3.40% |
|
Terms 12 Month |
Min. to Open $100,000 |
Dividend Rate 3.40% |
APY* 3.45% |
|
Terms 18 Month |
Min. to Open $100,000 |
Dividend Rate 3.45% |
APY* 3.51% |
|
Terms 24 Month |
Min. to Open $100,000 |
Dividend Rate 3.50% |
APY* 3.56% |
|
Savings Type |
Dividend Rate |
APY* |
|---|---|---|
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $0 to $24.99 |
Dividend Rate 0.20% |
APY* 0.20% |
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $25 to $99.99 |
Dividend Rate 0.50% |
APY* 0.50% |
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $100 - $999.99 |
Dividend Rate 0.60% |
APY* 0.60% |
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $1,000 - $9,999.99 |
Dividend Rate 1.00% |
APY* 1.00% |
|
Savings Type Individual Retirement Accounts (IRAs) with Balance of $10,000 and Up |
Dividend Rate 1.25% |
APY* 1.26% |
|
Savings Type |
Min. to Open |
Dividend Rate |
APY* |
|---|---|---|---|
|
Savings Type Coverdell Education Savings Accounts with Balance of $0 to $24.99 |
Min. to Open $100 |
Dividend Rate 0.30% |
APY* 0.30% |
|
Savings Type Coverdell Education Savings Accounts with Balance of $25 - $99.99 |
Min. to Open $100 |
Dividend Rate 0.60% |
APY* 0.60% |
|
Savings Type Coverdell Education Savings Accounts with Balance of $100 - $999 |
Min. to Open $100 |
Dividend Rate 0.70% |
APY* 0.70% |
|
Savings Type Coverdell Education Savings Accounts with Balance of $1,000 - $9,999 |
Min. to Open $100 |
Dividend Rate 1.10% |
APY* 1.11% |
|
Savings Type Coverdell Education Savings Accounts with Balance of $10,000 and up |
Min. to Open $100 |
Dividend Rate 1.35% |
APY* 1.36% |
|
Balance |
Rate |
APY* |
|---|---|---|
|
Balance $1,000 - $1,999.99 |
Rate 0.50% |
APY* 0.50% |
|
Balance $2,000 - $9,999.99 |
Rate 0.60% |
APY* 0.60% |
|
Balance $10,000 and up |
Rate 0.70% |
APY* 0.70% |
|
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* 7.00% - 8.25% |
|
Loan Type First Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rates - APR* 6.75% - 8.00% |
|
Loan Type First Lien - $300,000 and up |
Loan Term 20 years |
Interest Rates - APR* 6.50% - 7.75% |
|
Loan Type |
Loan Term |
Interest Rates - APR* |
|
Loan Type 2nd Lien - $20,000 to $99,999 |
Loan Term 20 years |
Interest Rates - APR* 8.25% - 9.50% |
|
Loan Type 2nd Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rates - APR* 8.00% - 9.25% |
|
Loan Type 2nd Lien - $300,000 and up |
Loan Term 20 years |
Interest Rates - APR* 7.75% - 9.00% |
|
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* 8.00% - 9.25% |
|
Loan Type 1st Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rate - APR* 7.75% - 9.00% |
|
Loan Type 1st Lien - $300,000 and up |
Loan Term 20 years |
Interest Rate - APR* 7.50% - 8.75% |
|
Loan Type |
Loan Term |
Interest Rate - APR* |
|
Loan Type 2nd Lien - $20,000 to $99,999 |
Loan Term 20 years |
Interest Rate - APR* 9.50% - 10.75% |
|
Loan Type 2nd Lien - $100,000 to $299,999 |
Loan Term 20 years |
Interest Rate - APR* 9.25% - 10.50% |
|
Loan Type 1st Lien - $300,000 and up |
Loan Term 20 years |
Interest Rate - APR* 9.00% - 10.25% |
|
Classic Card |
11.49% - 18.00% |
|
Rewards Card |
15.49% - 18.00% |
|
Model Year(s) |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year(s) 2024 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year |
Loan Term |
Interest Rates (APR*) |
|---|---|---|
|
Model Year 2023 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year 2022 |
Loan Term 1 - 84 months |
Interest Rates (APR*) 4.25%* to 15.50% |
|
Model Year 2021 |
Loan Term 1 - 78 months |
Interest Rates (APR*) 4.50%* to 15.75% |
|
Model Year 2020 |
Loan Term 1 - 72 months |
Interest Rates (APR*) 4.60%* to 15.85% |
|
Model Year 2019 |
Loan Term 1 - 66 months |
Interest Rates (APR*) 4.70%* to 15.95% |
|
Model Year 2018 |
Loan Term 1 - 60 months |
Interest Rates (APR*) 4.80%* to 16.05% |
|
Model Year 2017 |
Loan Term 1 - 54 months |
Interest Rates (APR*) 4.90%* to 16.15% |
|
Model Year 2016 |
Loan Term 1 - 48 months |
Interest Rates (APR*) 5.00%* to 16.25% |
|
Model Year 2015 |
Loan Term 1 - 42 months |
Interest Rates (APR*) 5.10%* to 16.35% |
|
Model Year 2014 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 5.20%* to 16.45% |
|
Model Year 2005 - 2013 |
Loan Term 1 - 36 months |
Interest Rates (APR*) 6.95%* to 17.99% |
|
Model Year |
Loan Term |
Interest Rates |
|---|---|---|
|
Model Year RV's - New (2024-2023) |
Loan Term 1-84 months |
Interest Rates 7.50%* to 17.99% |
|
Model Year RV's - Used (2023-2014) |
Loan Term 1-78 months |
Interest Rates 7.75%* to 17.99% |
|
Model Year RV’s over $55,000 - New |
Loan Term 73-120 months |
Interest Rates 8.50%* to 17.99% |
|
Model Year Boats - New (2025-2023) |
Loan Term 1-72 months |
Interest Rates 9.75%* to 17.99% |
|
Model Year Boats - Used (2014-2023) |
Loan Term 1-72 months |
Interest Rates 10.25%* to 17.99% |
|
Model Year Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only |
Loan Term 1 - 60 months |
Interest Rates 7.20%* to 17.99% |
|
Model Year Antique/Classic Autos |
Loan Term 1 - 36 months |
Interest Rates 7.20%* 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 2.35% |
|
Loan Type Savings Secured |
Term 37-60 months |
Interest Rates 3.35% |
|
Loan Type Savings Secured |
Term 61-72 months |
Interest Rates 4.35% |
|
Loan Type Certificate Secured |
Term varies |
Interest Rates 2.00% over certificate rate |
|
Loan Type Credit Builder |
Term 12 or 18 months |
Interest Rates 4.35% |
|
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 2022 models, the lowest rate is 5.00%; 2021 models – 5.25%; 2020 models – 5.35%; 2019 models –5.45%; 2018 models – 5.55%; 2017 models – 5.65%; 2016 models – 5.75%, 2015 models – 5.85%; 2014 models – 5.95%; 2013 models – . For model years 2004 – 2012, the lowest rate is without discounts is 7.70%. All rates are stated as APRs.
For RV’s, 8.00% is the lowest rate available without discounts. For boats it is 10.25%; it is 7.70% 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.