Rates

Everything Checking & Restart Checking

Balance

Min. to Open

Rate

APY*

Balance

$1,000 - $1,999

Min. to Open

$25

Rate

0.50%

APY*

0.50%

Balance

$2,000 - $9,999

Min. to Open

$25

Rate

0.60%

APY*

0.60%

Balance

$10,000

Min. to Open

$25

Rate

0.70%

APY*

0.70%

Savings Accounts

Balance

Min. to Open

Rate

APY*

Balance

Savings with Balance of $25 - $99.99

Min. to Open

$25.00

Rate

0.30%

APY*

0.30%

Balance

Savings with Balance of $100 - $999.99

Min. to Open

$25.00

Rate

0.40%

APY*

0.40%

Balance

Savings with Balance of $1,000

Min. to Open

$25.00

Rate

0.50%

APY*

0.50%

Money Market Savings Account

Balance

Minimum to Earn Interest

Rate

APY*

Balance

$0 - $2,499

Minimum to Earn Interest

$2,500

Rate

0.00%

APY*

0.00%

Balance

$2,500 - $9,999

Minimum to Earn Interest

$2,500

Rate

2.00%

APY*

2.02%

Balance

$10,000 - $24,999

Minimum to Earn Interest

$2,500

Rate

2.10%

APY*

2.12%

Balance

$25,000 - $49,999

Minimum to Earn Interest

$2,500

Rate

2.20%

APY*

2.22%

Balance

$50,000 - $74,999

Minimum to Earn Interest

$2,500

Rate

2.40%

APY*

2.43%

Balance

$75,000 - $99,999

Minimum to Earn Interest

$2,500

Rate

2.55%

APY*

2.58%

Balance

$100,000 and up

Minimum to Earn Interest

$2,500

Rate

2.85%

APY*

2.89%

Savings Certificates & IRA Certificates

Term

Min. to Open

Dividend Rate

APY*

Term

3 Months

Min. to Open

$500

Dividend Rate

3.25%

APY*

3.30%

Term

6 Months 

Min. to Open

$500

Dividend Rate

5.84% 

APY*

6.00%

Term

12 Month 

Min. to Open

$500

Dividend Rate

3.35%

APY*

3.40%

Term

18 Month 

Min. to Open

$500

Dividend Rate

3.40%

APY*

3.45%

Term

24 Month 

Min. to Open

$500

Dividend Rate

3.45%

APY*

3.51%

Jumbo Savings Certificates & IRA Certificates

Terms

Min. to Open

Dividend Rate

APY*

Terms

3 Months

Min. to Open

$100,000

Dividend Rate

3.45%

APY*

3.51%

Terms

6 Month

Min. to Open

$100,000

Dividend Rate

6.04% 

APY*

6.21%

Terms

12 Month 

Min. to Open

$100,000

Dividend Rate

3.55% 

APY*

3.61%

Terms

18 Month 

Min. to Open

$100,000

Dividend Rate

3.60% 

APY*

3.66%

Terms

24 Month 

Min. to Open

$100,000

Dividend Rate

3.65% 

APY*

3.71%

IRAs - Roth and Traditional

Savings Type

Dividend Rate

APY*

Savings Type

Individual Retirement Accounts (IRAs) with Balance of $0 to $24.99

Dividend Rate

0.30%

APY*

0.30%

Savings Type

Individual Retirement Accounts (IRAs) with Balance of $25 to $99.99

Dividend Rate

0.60%

APY*

0.60%

Savings Type

Individual Retirement Accounts (IRAs) with Balance of $100 - $999.99

Dividend Rate

0.70%

APY*

0.70%

Savings Type

Individual Retirement Accounts (IRAs) with Balance of $1,000 - $9,999.99

Dividend Rate

1.10%

APY*

1.11%

Savings Type

Individual Retirement Accounts (IRAs) with Balance of $10,000 and up

Dividend Rate

1.35%

APY*

1.36%

Coverdell Education Savings Rates

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%

Health Savings Account

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%

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*

6.35% - 7.60%

Loan Type

First Lien - $100,000 to $299,999 

Loan Term

20 years

Interest Rates - APR*

6.10% - 7.35%

Loan Type

First Lien - $300,000 and up 

Loan Term

20 years

Interest Rates - APR*

5.85% - 7.10%

Loan Type

Loan Term

Interest Rates - APR*

Loan Type

2nd Lien - $20,000 to $99,999

Loan Term

20 years

Interest Rates - APR*

7.60% - 8.85%

Loan Type

2nd Lien - $100,000 to $299,999

Loan Term

20 years

Interest Rates - APR*

7.35% - 8.60%

Loan Type

2nd Lien - $300,000 and up

Loan Term

20 years

Interest Rates - APR*

7.10% - 8.35%

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*

8.60% - 9.85%

Loan Type

1st 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%

Loan Type

Loan Term

Interest Rate - APR*

Loan Type

2nd Lien - $20,000 to $99,999

Loan Term

20 years

Interest Rate - APR*

10.10% - 11.35%

Loan Type

2nd Lien - $100,000 to $299,999

Loan Term

20 years

Interest Rate - APR*

9.85% - 11.10%

Loan Type

1st Lien - $300,000 and up

Loan Term

20 years

Interest Rate - APR*

9.60% - 10.85%

Mastercard Credit Cards

Product

Annual Fee

APR**

**APR (Annual Percentage Rate) will vary with the market based upon the Prime Rate. Loan rate also continuously dependent upon credit score.

Product

Mastercard Classic

Annual Fee

None

APR**

11.99% - 18.00%

Product

Mastercard Rewards

Annual Fee

None

APR**

15.99% - 18.00%

New Auto Loans - Cars and Light Trucks

Model Year(s)

Loan Term

Interest Rates (APR*)

Model Year(s)

2024

Loan Term

1 - 84 months

Interest Rates (APR*)

5.00%* to 16.25%

Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2023

Loan Term

1 - 84 months

Interest Rates (APR*)

5.00%* to 16.25%

Model Year

2022

Loan Term

1 - 84 months

Interest Rates (APR*)

5.00%* to 16.25%

Model Year

2021

Loan Term

1 - 78 months

Interest Rates (APR*)

5.25%* to 16.50%

Model Year

2020

Loan Term

1 - 72 months 

Interest Rates (APR*)

5.35%* to 16.60%

Model Year

2019

Loan Term

1 - 66 months 

Interest Rates (APR*)

5.45%* to 16.70%

Model Year

2018

Loan Term

1 - 60 months 

Interest Rates (APR*)

5.55%* to 16.80%

Model Year

2017

Loan Term

1 - 54 months 

Interest Rates (APR*)

5.65%* to 16.90%

Model Year

2016

Loan Term

1 - 48 months

Interest Rates (APR*)

5.75%* to 17.00%

Model Year

2015

Loan Term

1 - 42 months

Interest Rates (APR*)

5.85%* to 17.10%

Model Year

2014

Loan Term

1- 36 months

Interest Rates (APR*)

5.95%* to 17.20%

Model Year

2005 - 2013

Loan Term

1-36 months

Interest Rates (APR*)

7.70%* to 17.99%

Other Vehicle Loans

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

7.95%* 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%

Savings Secured Loans

Loan Type

Term

Interest Rates

Loan Type

Savings Secured

Term

1-36 months

Interest Rates

2.50%

Loan Type

Savings Secured

Term

37-60 months

Interest Rates

3.50%

Loan Type

Savings Secured

Term

61-72 months

Interest Rates

4.50%

Loan Type

Certificate Secured

Term

varies

Interest Rates

2.00% over certificate rate

Loan Type

Credit Builder

Term

12 or 18 months

Interest Rates

4.50%

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%

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 5.75%; 2021 models – 6.00%; 2020 models – 6.10%; 2019 models –6.20%; 2018 models – 6.30%; 2017 models – 6.40%; 2016 models – 6.50%, 2015 models – 6.60%; 2014 models – 6.70%; 2013 models – .  For model years 2004 – 2012, the lowest rate is without discounts is 8.45%.  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 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.