Rates

Everything Checking & Restart Checking

Balance

Min. to Open

Rate

APY*

Balance

$1,000 - $1,999

Min. to Open

$25

Rate

0.30%

APY*

0.30%

Balance

$2,000 - $9,999

Min. to Open

$25

Rate

0.35%

APY*

0.35%

Balance

$10,000+

Min. to Open

$25

Rate

0.40%

APY*

0.40%

 

Savings Accounts

Balance

Min. to Open

Rate

APY*

Balance

Savings with Balance of $25 - $100

Min. to Open

$25.00

Rate

0.15%

APY*

0.15%

Balance

Savings with Balance of $100 - $1,000

Min. to Open

$25.00

Rate

0.20%

APY*

0.20%

Balance

Savings with Balance of $1,000+

Min. to Open

$25.00

Rate

0.25%

APY*

0.25%

Certificates of Deposit & IRA Certificates

Term

Min. to Open

Dividend Rate

APY*

Term

3 Months

Min. to Open

$500

Dividend Rate

1.75%

APY*

1.77%

Term

6 Months 

Min. to Open

$500.

Dividend Rate

1.85% 

APY*

1.87%

Term

12 Month 

Min. to Open

$500

Dividend Rate

1.95%

APY*

1.97%

Term

15 Month Special

Min. to Open

$500

Dividend Rate

3.50%

APY*

3.56%

Term

18 Month 

Min. to Open

$500

Dividend Rate

2.05%

APY*

2.07%

Term

24 Month 

Min. to Open

$500

Dividend Rate

2.15%

APY*

2.17%

Jumbo Certificates & IRA Certificates

Terms

Min. to Open

Dividend Rate

APY*

Terms

3 Months

Min. to Open

$100,000

Dividend Rate

1.95%

APY*

1.97%

Terms

6 Month

Min. to Open

$100,000

Dividend Rate

2.05% 

APY*

2.07%

Terms

12 Month 

Min. to Open

$100,000

Dividend Rate

2.15% 

APY*

2.17%

Terms

15 Month Special

Min. to Open

$100,000

Dividend Rate

3.70%

APY*

3.77%

Terms

18 Month 

Min. to Open

$100,000

Dividend Rate

2.25% 

APY*

2.28%

Terms

24 Month 

Min. to Open

$100,000

Dividend Rate

2.35% 

APY*

2.38%

IRAs - Roth and Traditional

Savings Type

Min. to Open

Dividend Rate

APY*

Savings Type

Individual Retirement Accounts (IRAs) with Balance of $100+

Min. to Open

$25

Dividend Rate

0.35%

APY*

0.35%

Coverdell Education Savings Rates

Savings Type

Min. to Open

Dividend Rate

APY*

Savings Type

Coverdell Education Savings Accounts with Balance of $100+

Min. to Open

$25

Dividend Rate

0.30%

APY*

0.30%

Home Equity Loans

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

8.00%

Home Improvement Loans

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

7.25%

Loan Type

2nd Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

9.25%

Visa Credit Cards

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%

New Auto Loans - Cars and Light Trucks

Model Year(s)

Loan Term

Interest Rates (APR*)

Model Year(s)

2023

Loan Term

1 - 84 months

Interest Rates (APR*)

5.00* to 17.75%

Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2022

Loan Term

1 - 84 months

Interest Rates (APR*)

5.05%* to 17.80%

Model Year

2021

Loan Term

1 - 84 months

Interest Rates (APR*)

5.15%* to 17.90%

Model Year

2020

Loan Term

1 - 78 months

Interest Rates (APR*)

5.25%* to 17.95%

Model Year

2019

Loan Term

1 - 72 months 

Interest Rates (APR*)

5.35%* to 17.99%

Model Year

2018

Loan Term

1 - 66 months 

Interest Rates (APR*)

5.45%* to 17.99%

Model Year

2017

Loan Term

1 - 60 months 

Interest Rates (APR*)

5.55%* to 17.99%

Model Year

2016

Loan Term

1 - 54 months 

Interest Rates (APR*)

5.65%* to 17.99%

Model Year

2015

Loan Term

1 - 48 months

Interest Rates (APR*)

5.75%* to 17.99%

Model Year

2014

Loan Term

1 - 42 months

Interest Rates (APR*)

5.85%* to 17.99%

Model Year

2013

Loan Term

1- 36 months

Interest Rates (APR*)

5.95%* to 17.99%

Model Year

2004 - 2012

Loan Term

1-36 months

Interest Rates (APR*)

7.70%* to 17.99%

Other Vehicle Loans

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%

Personal Loan

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%

Share Secured Loans

Loan Type

Term

Interest Rates

Loan Type

Share Secured

Term

1-36 months

Interest Rates

2.25%

Loan Type

Share Secured

Term

37-60 months

Interest Rates

3.25%

Loan Type

Share Secured

Term

61-72 months

Interest Rates

4.25%

Loan Type

Certificate Secured

Term

varies

Interest Rates

2.00% over certificate rate

Loan Type

Credit Builder

Term

12 or 18 months

Interest Rates

4.25%

Personal Line of Credit

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%

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%

Certificate Special Effective 11/21/2022

Term

Min. to Open

Dividend Rate

APY*

Term

Standard CD - 15 Months

Min. to Open

$500

Dividend Rate

3.50%

APY*

3.53%

Term

Jumbo CD - 15 Months 

Min. to Open

$100,000

Dividend Rate

3.70% 

APY*

3.73%

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 5.80%; 2021 models – 5.90%; 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.