Rates

Everything Checking & Restart Checking
Balance	Minimum to Open	Rate	APY*
Balance $1,000 - $1,999	Minimum to Open $25	Rate 0.25%	APY* 0.25%
Balance $2,000 - $9,999	Minimum to Open $25	Rate 0.35%	APY* 0.35%
Balance $10,000 and Up	Minimum to Open $25	Rate 0.45%	APY* 0.45%

Savings Accounts
Balance	Minimum to Open	Rate	APY*
Balance $5 - $99.99	Minimum to Open $5.00	Rate 0.05%	APY* 0.05%
Balance $100 - $999.99	Minimum to Open $5.00	Rate 0.15%	APY* 0.15%
Balance $1,000 and Up	Minimum to Open $5.00	Rate 0.25%	APY* 0.25%

Money Market Savings Account
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 1.75%	APY* 1.76%
Balance $10,000 - $24,999.99	Minimum to Earn Interest $2,500	Rate 1.85%	APY* 1.87%
Balance $25,000 - $49,999.99	Minimum to Earn Interest $2,500	Rate 1.95%	APY* 1.97%
Balance $50,000 - $74,999.99	Minimum to Earn Interest $2,500	Rate 2.15%	APY* 2.17%
Balance $75,000 - $99,999.99	Minimum to Earn Interest $2,500	Rate 2.25%	APY* 2.27%
Balance $100,000 and Up	Minimum to Earn Interest $2,500	Rate 2.50%	APY* 2.53%

Savings Certificates & IRA Certificates
Term	Minimum to Open	Dividend Rate	APY*
Term 3 Months	Minimum to Open $500	Dividend Rate 2.50%	APY* 2.53%
Term 6 Months	Minimum to Open $500	Dividend Rate 2.75%	APY* 2.78%
Term 12 Months	Minimum to Open $500	Dividend Rate 3.00%	APY* 3.04%
Term 18 Months	Minimum to Open $500	Dividend Rate 3.25%	APY* 3.30%
Term 24 Months	Minimum to Open $500	Dividend Rate 3.50%	APY* 3.56%
Term 36 Months	Minimum to Open $500	Dividend Rate 3.75%	APY* 3.82%

Jumbo Savings Certificates & IRA Certificates
Terms	Minimum to Open	Dividend Rate	APY*
Terms 3 Months	Minimum to Open $100,000	Dividend Rate 2.70%	APY* 2.73%
Terms 6 Months	Minimum to Open $100,000	Dividend Rate 2.95%	APY* 2.99%
Terms 12 Months	Minimum to Open $100,000	Dividend Rate 3.20%	APY* 3.25%
Terms 18 Months	Minimum to Open $100,000	Dividend Rate 3.45%	APY* 3.51%
Terms 24 Months	Minimum to Open $100,000	Dividend Rate 3.70%	APY* 3.76%
Terms 36 Months	Minimum to Open $100,000	Dividend Rate 3.95%	APY* 4.02%

IRAs - Roth and Traditional
Savings Type	Dividend Rate	APY*
Savings Type Individual Retirement Accounts (IRAs) with Balance of $5 to $99.99	Dividend Rate 0.25%	APY* 0.25%
Savings Type Individual Retirement Accounts (IRAs) with Balance of $100 - $999.99	Dividend Rate 0.35%	APY* 0.35%
Savings Type Individual Retirement Accounts (IRAs) with Balance of $1,000 - $9,999.99	Dividend Rate 0.55%	APY* 0.55%
Savings Type Individual Retirement Accounts (IRAs) with Balance of $10,000 and Up	Dividend Rate 0.70%	APY* 0.70%

Coverdell Education Savings Rates
Savings Type	Dividend Rate	APY*
Savings Type Coverdell Education Savings Accounts with a Balance of $5 to $99.99	Dividend Rate 0.25%	APY* 0.25%
Savings Type Coverdell Education Savings Accounts with a Balance of $100 - $999.99	Dividend Rate 0.35%	APY* 0.35%
Savings Type Coverdell Education Savings Accounts with a Balance of $1,000 - $9,999.99	Dividend Rate 0.55%	APY* 0.55%
Savings Type Coverdell Education Savings Accounts with a Balance of $10,000 and up	Dividend Rate 0.70%	APY* 0.70%

Health Savings Account
Balance	Rate	APY*
Balance $1,000 - $1,999.99	Rate 0.25%	APY* 0.25%
Balance $2,000 - $9,999.99	Rate 0.35%	APY* 0.35%
Balance $10,000 and up	Rate 0.45%	APY* 0.45%

Home Equity Loans
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 rates are subject to change without notice. *APR – Annual Percentage Rate
Loan Type First Lien - $20,000 to $99,000	Loan Term 20 years	Interest Rates - APR* 6.00% - 7.25%
Loan Type First Lien - $100,000 to $299,999	Loan Term 20 years	Interest Rates - APR* 5.75% - 7.00%
Loan Type First Lien - $300,000 and up	Loan Term 20 years	Interest Rates - APR* 5.50% - 6.75%
Loan Type	Loan Term	Interest Rates - APR*
Loan Type 2nd Lien - $20,000 to $99,999	Loan Term 20 years	Interest Rates - APR* 7.25% - 8.50%
Loan Type 2nd Lien - $100,000 to $299,999	Loan Term 20 years	Interest Rates - APR* 7.00% - 8.25%
Loan Type 2nd Lien - $300,000 and up	Loan Term 20 years	Interest Rates - APR* 6.75% - 8.00%

Home Improvement Loans
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 rates are subject to change without notice. *APR – Annual Percentage Rate
Loan Type 1st Lien - $20,000 to $99,999	Loan Term 20 years	Interest Rate - APR* 7.00% - 8.25%
Loan Type 1st Lien - $100,000 to $299,999	Loan Term 20 years	Interest Rate - APR* 6.75% - 8.00%
Loan Type 1st Lien - $300,000 and up	Loan Term 20 years	Interest Rate - APR* 6.50% - 7.75%
Loan Type	Loan Term	Interest Rate - APR*
Loan Type 2nd Lien - $20,000 to $99,999	Loan Term 20 years	Interest Rate - APR* 8.50% - 9.75%
Loan Type 2nd Lien - $100,000 to $299,999	Loan Term 20 years	Interest Rate - APR* 8.25% - 9.50%
Loan Type 1st Lien - $300,000 and up	Loan Term 20 years	Interest Rate - APR* 8.00% - 9.25%

Credit Cards
Type of Credit Card	Today's Interest Rate
Type of Credit Card Classic Card	Today's Interest Rate 10.24% - 17.24%
Type of Credit Card Rewards Card	Today's Interest Rate 14.24% - 18.00%
Type of Credit Card Savings Secured	Today's Interest Rate 17.99%

New Auto Loans - Cars and Light Trucks
Model Year(s)	Loan Term	Interest Rates (APR*)
Model Year(s) 2026	Loan Term 1 - 84 months	Interest Rates (APR) 3.90% to 15.15%

Used Auto Loans - Cars and Light Trucks
Model Year	Loan Term	Interest Rates (APR*)
Model Year 2025	Loan Term 1 - 84 months	Interest Rates (APR) 3.90% to 15.15%
Model Year 2024	Loan Term 1 - 84 months	Interest Rates (APR) 3.90% to 15.15%
Model Year 2023	Loan Term 1 - 78 months	Interest Rates (APR) 4.15% to 15.40%
Model Year 2022	Loan Term 1 - 72 months	Interest Rates (APR) 4.25% to 15.50%
Model Year 2021	Loan Term 1 - 66 months	Interest Rates (APR) 4.35% to 15.60%
Model Year 2020	Loan Term 1 - 60 months	Interest Rates (APR) 4.45% to 15.70%
Model Year 2019	Loan Term 1 - 54 months	Interest Rates (APR) 4.55% to 15.80%
Model Year 2018	Loan Term 1 - 48 months	Interest Rates (APR) 4.65% to 15.90%
Model Year 2017	Loan Term 1 - 42 months	Interest Rates (APR) 4.75% to 16.00%
Model Year 2016	Loan Term 1 - 36 months	Interest Rates (APR) 4.85% to 16.10%
Model Year 2015 - 2007	Loan Term 1 - 36 months	Interest Rates (APR) 6.60% to 17.99%

Other Vehicle Loans
Model Year	Loan Term	Interest Rates
Model Year RVs - New (2026-2025)	Loan Term 1-84 months	Interest Rates 5.85%* - 17.99%
Model Year RVs over $55,000 - new	Loan Term 73-120 months	Interest Rates 6.85%* - 17.99%
Model Year RVs - 2025 (used) -2024	Loan Term 1-78 months	Interest Rates 6.10%* - 17.99%
Model Year RVs 2023-2022	Loan Term 1-72 months	Interest Rates 7.70%* - 17.99%
Model Year RVs - 2021-2020	Loan Term 1-60 months	Interest Rates 7.95%* - 17.99%
Model Year RVs- 2019-2018	Loan Term 1-48 months	Interest Rates 8.20%* to 17.99%
Model Year RVs - 2017-2016	Loan Term 1-42 months	Interest Rates 8.45%* - 17.99%
Model Year Boats - New (2027-2025)	Loan Term 1-72 months	Interest Rates 9.30%* to 17.99%
Model Year Boats - Used (2025-2016)	Loan Term 1-72 months	Interest Rates 9.80%* to 17.99%
Model Year Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only	Loan Term 1 - 60 months	Interest Rates 6.80%* to 17.99%
Model Year Antique/Classic Autos	Loan Term 1 - 36 months	Interest Rates 6.80%* to 17.99%

Personal Loan
Loan Type	Loan Term	Interest Rates
Loan Type Personal Signature Loan	Loan Term 1-36 months	Interest Rates 9.75*% to 17.99%
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%

Savings Secured Loans
Loan Type	Term	Interest Rates
Loan Type Savings Secured	Term 1-36 months	Interest Rates 2.25%
Loan Type Savings Secured	Term 37-60 months	Interest Rates 3.25%
Loan Type Savings Secured	Term 61-72 months	Interest Rates 4.25%
Loan Type Certificate Secured	Term varies	Interest Rates 2.00% over certificate dividend rate
Loan Type Credit Builder	Term 12 or 18 months	Interest Rates 4.25%

Personal Line of Credit
Loan Type	Terms Up To	Interest Rates
Loan Type Personal Line of Credit	Terms Up To No Set Term	Interest Rates 7.75% to 16.75%

Consumer Loans
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%

Loan Discounts
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 4.65%. For 2024 models, the lowest rate is 4.90%; 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 – ; 2015 models – . For model years 2006 – 2014, the lowest rate is without discounts is 7.35%. All rates are stated as APRs.

For RV’s, 6.40% is the lowest rate available without discounts. For boats it is 9.85%; it is 7.35% for Other Vehicles; and 10.25% 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.