Rates

Everything Checking & Restart Checking

Balance

Min. to Open

Rate

APY*

Balance

$1,000 - $1,999

Min. to Open

$25

Rate

0.07%

APY*

0.07%

Balance

$2,000 - $9,999

Min. to Open

$25

Rate

0.10%

APY*

0.10%

Balance

$10,000+

Min. to Open

$25

Rate

0.13%

APY*

0.13%

Savings Accounts

Balance

Min. to Open

Rate

APY*

Balance

Savings with Balance of $25 - $100

Min. to Open

$25.00

Rate

0.06%

APY*

0.06%

Balance

Savings with Balance of $100 - $1,000

Min. to Open

$25.00

Rate

0.07%

APY*

0.07%

Balance

Savings with Balance of $1,000+

Min. to Open

$25.00

Rate

0.10%

APY*

0.10%

Certificates of Deposit & IRA Certificates

Term

Min. to Open

Dividend Rate

APY*

Term

3 Months

Min. to Open

$500

Dividend Rate

0.31%

APY*

0.31%

Term

6 Months 

Min. to Open

$500.

Dividend Rate

0.31% 

APY*

0.31%

Term

12 Month 

Min. to Open

$500

Dividend Rate

0.45%

APY*

0.45%

Term

18 Month 

Min. to Open

$500

Dividend Rate

0.50%

APY*

0.50%

Term

24 Month 

Min. to Open

$500

Dividend Rate

0.65%

APY*

0.65%

Jumbo Certificates & IRA Certificates

Terms

Min. to Open

Dividend Rate

APY*

Terms

3 Months

Min. to Open

$100,000

Dividend Rate

0.51%

APY*

0.51%

Terms

6 Month

Min. to Open

$100,000

Dividend Rate

0.51% 

APY*

0.51%

Terms

12 Month 

Min. to Open

$100,000

Dividend Rate

0.65% 

APY*

0.65%

Terms

18 Month 

Min. to Open

$100,000

Dividend Rate

0.70% 

APY*

0.70%

Terms

24 Month 

Min. to Open

$100,000

Dividend Rate

0.85% 

APY*

0.85%

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

0.15%

APY*

0.15%

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

0.15%

APY*

0.15%

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

6.50%

Loan Type

2nd Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

7.75%

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

6.75%

Loan Type

2nd Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

8.75%

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)

2022 & 2023

Loan Term

1 - 84 months

Interest Rates (APR*)

3.25* to 16.00%

Used Auto Loans - Cars and Light Trucks

Model Year

Loan Term

Interest Rates (APR*)

Model Year

2021

Loan Term

1 - 84 months

Interest Rates (APR*)

3.30%* to 16.05%

Model Year

2020

Loan Term

1 - 84 months

Interest Rates (APR*)

3.40%* to 16.40%

Model Year

2019

Loan Term

1 - 78 months

Interest Rates (APR*)

3.50%* to 16.50%

Model Year

2018

Loan Term

1 - 72 months 

Interest Rates (APR*)

3.60%* to 16.60%

Model Year

2017

Loan Term

1 - 66 months 

Interest Rates (APR*)

3.70%* to 16.70%

Model Year

2016

Loan Term

1 - 60 months 

Interest Rates (APR*)

3.80%* to 16.80%

Model Year

2015

Loan Term

1 - 54 months 

Interest Rates (APR*)

3.90%* to 16.90%

Model Year

2014

Loan Term

1 - 48 months

Interest Rates (APR*)

4.00%* to 17.00%

Model Year

2013

Loan Term

1 - 42 months

Interest Rates (APR*)

4.10%* to 17.10%

Model Year

2012

Loan Term

1- 36 months

Interest Rates (APR*)

4.20%* to 16.95%

Model Year

2003 - 2011

Loan Term

1-36 months

Interest Rates (APR*)

6.25%* to 17.95%

Other Vehicle Loans

Model Year

Loan Term

Interest Rates

Model Year

Boats - New or Used

Loan Term

1-72 months

Interest Rates

7.50%* to 17.95%

Model Year

RV's - New or Used

Loan Term

1-72 months

Interest Rates

5.50%* to 17.95%

Model Year

RV’s over $50,000 - New

Loan Term

73-120 months

Interest Rates

6.00%* to 19.95%

Model Year

Motorcycle, ATV, Personal Watercraft, Cargo Trailer- New only 

Loan Term

1 - 60 months 

Interest Rates

6.75%* to 17.95%

Model Year

Antique/Classic Autos 

Loan Term

1 - 36 months 

Interest Rates

6.00%* to 17.75%

Personal Loan

Loan Type

Loan Term

Interest Rates

Loan Type

Personal Signature Loan

Loan Term

1-36 months

Interest Rates

10.75*% to 17.95%

Loan Type

Personal Signature Loan

Loan Term

37 - 48** months 

Interest Rates

11.75%* to 15.00%

Loan Type

Personal Signature Loan

Loan Term

49 - 60** months 

Interest Rates

12.75%* to 14.50%

Share Secured Loans

Loan Type

Term

Interest Rates

Loan Type

Share Secured

Term

1-36 months

Interest Rates

2.00%

Loan Type

Share Secured

Term

37-60 months

Interest Rates

3.00%

Loan Type

Share Secured

Term

61-72 months

Interest Rates

4.00%

Loan Type

Certificate Secured

Term

varies

Interest Rates

2.00% over certificate rate

Loan Type

Credit Builder

Term

12 or 18 months

Interest Rates

3.50% to 4.00%

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

10.75%*-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 4.00%.  For 2021 models, the lowest rate is 4.05%; 2020 models – 4.15%; 2019 models – 4.25%; 2018 models – 4.35%; 2017 models – 4.45%; 2016 models – 4.55%; 2015 models – 4.65%, 2014 models – 4.75%; 2013 models – 4.85%; 2012 models – 4.95%.  For model years 2003 – 2011, the lowest rate is without discounts is 6.75%.  All rates are stated as APRs.

For RV’s, 6.00% is the lowest rate available without discounts.  For boats it is 8.00%; it is 7.25% for Other Vehicles; and 11.25% 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.