Rates

Everything Checking & Restart Checking

Balance

Min. to Open

Rate

APY*

Balance

$0 - $1,000

Min. to Open

$25

Rate

0.00%

APY*

0.00%

Balance

$1,000 - $1,999

Min. to Open

$25

Rate

0.010%

APY*

0.010%

Balance

$2,000 - $9,999

Min. to Open

$25

Rate

0.020%

APY*

0.020%

Balance

$10,000+

Min. to Open

$25

Rate

0.050%

APY*

0.050%

Savings Accounts

Balance

Min. to Open

Rate

APY*

Balance

Savings with Balance of $25 - $100

Min. to Open

$25.00

Rate

0.010%

APY*

0.010%

Balance

Savings with Balance of $100 - $1,000

Min. to Open

$25.00

Rate

0.020%

APY*

0.020%

Balance

Savings with Balance of $1,000+

Min. to Open

$25.00

Rate

0.050%

APY*

0.050%

IRAs

Savings Type

Min. to Open

Dividend Rate

APY*

Savings Type

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

Min. to Open

$25

Dividend Rate

0.10%

APY*

0.10%

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

0.10%

APY*

0.10%

Certificates of Deposit

Term

Min. to Open

Dividend Rate

APY*

Here are some disclosures

Term

3 Months

Min. to Open

$500

Dividend Rate

0.06%

APY*

0.06%

Term

6 Months 

Min. to Open

$500.

Dividend Rate

0.06% 

APY*

0.06%

Term

12 Month 

Min. to Open

$500

Dividend Rate

0.15% 

APY*

0.15%

Term

18 Month 

Min. to Open

$500

Dividend Rate

0.20% 

APY*

0.20%

Term

24 Month 

Min. to Open

$500

Dividend Rate

0.25% 

APY*

0.25%

Jumbo Certificates

Terms

Min. to Open

Dividend Rate

APY*

Terms

3 Months

Min. to Open

$100,000

Dividend Rate

0.26%

APY*

0.26%

Terms

6 Month

Min. to Open

$100,000

Dividend Rate

0.26% 

APY*

0.26%

Terms

12 Month 

Min. to Open

$100,000

Dividend Rate

0.35% 

APY*

0.35%

Terms

18 Month 

Min. to Open

$100,000

Dividend Rate

0.40% 

APY*

0.40%

Terms

24 Month 

Min. to Open

$100,000

Dividend Rate

0.45% 

APY*

0.45%

Home Equity Loans

Loan Type

Loan Term

APR as Low As

Loan Type

1st Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

5.95%

Loan Type

2nd Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

7.95%

Home Improvement Loans

Loan Type

Loan Term

APR as Low As

Loan Type

1st Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

6.20%

Loan Type

2nd Lien, $20,000 & up

Loan Term

10, 15 or 20 years

APR as Low As

8.20%

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*)

1.50%* to 14.75%

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*)

1.55%* to 14.80%

Model Year

2020

Loan Term

1 - 84 months

Interest Rates (APR*)

1.60%* to 15.05%

Model Year

2019

Loan Term

1 - 78 months

Interest Rates (APR*)

1.65%* to 15.10%

Model Year

2018

Loan Term

1 - 72 months 

Interest Rates (APR*)

1.70%* to 15.20%

Model Year

2017

Loan Term

1 - 66 months 

Interest Rates (APR*)

1.75%* to 15.25%

Model Year

2016

Loan Term

1 - 60 months 

Interest Rates (APR*)

1.80%* to 15.30%

Model Year

2015

Loan Term

1 - 54 months 

Interest Rates (APR*)

1.85%* to 15.35%

Model Year

2014

Loan Term

1 - 48 months

Interest Rates (APR*)

1.90%* to 15.40%

Model Year

2013

Loan Term

1 - 42 months

Interest Rates (APR*)

1.95%* to 15.45%

Model Year

2012

Loan Term

1- 36 months

Interest Rates (APR*)

2.00%* tp 15.25%

Other Vehicle Loans

Model Year

Loan Term

Interest Rates

Model Year

Boats - New or Used

Loan Term

1-72 months

Interest Rates

4.70%* to 17.75%

Model Year

RV's - New or Used

Loan Term

1-72 months

Interest Rates

3.25%* to 16.25%

Model Year

RV’s over $50,000 - New

Loan Term

73-120 months

Interest Rates

3.75%* to 18.25%

Model Year

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

Loan Term

1 - 60 months 

Interest Rates

4.25%* to 16.25%

Model Year

Antique/Classic Autos 

Loan Term

1 - 36 months 

Interest Rates

4.50%* to 17.50%

Personal Loan

Loan Type

Loan Term

Interest Rates

Loan Type

Personal Signature Loan

Loan Term

1-36 months

Interest Rates

8.25*% to 17.50%

Loan Type

Personal Signature Loan

Loan Term

37 - 48** months 

Interest Rates

9.25%* to 12.50%

Loan Type

Personal Signature Loan

Loan Term

49 - 60** months 

Interest Rates

10.25%* to 12.00%

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

12-18 months

Interest Rates

4%

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

8.25%*-17.50%

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

*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 2.25%.  For 2021 models, the lowest rate is 2.30%; 2020 models – 2.35%; 2019 models – 2.40%; 2018 models – 2.45%; 2017 models – 2.50%; 2016 models – 2.55%; 2015 models – 2.60%, 2014 models – 2.65%; 2013 models – 2.70%; 2012 models – 2.75%.  All rates stated as APRs.

For RV’s, 3.75% is the lowest rate available without discounts.  For boats it is 5.25%; it is 4.75% for Other Vehicles; and 8.75% 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.