Rates

Loans | Mortgage | Savings | Certificates

Loans	Rate	APR*	Term
New or used auto, truck: $10,000 or more	5.990	5.990	60	Calculator
New or used auto, truck: $7,500	8.290	8.290	60	Calculator
New or used auto, truck: $5,000	9.990	9.990	60	Calculator
Second mortgages: $10,000 or more	5.299	5.299	84	Calculator
Second mortgages: $5,000	9.990	9.990	60	Calculator
Home Equity line-of-credit	4.00	4.00	n/a
Secured Loans	8.990	8.990	24	Calculator
Secured Loans	9.490	9.490	36	Calculator
Secured Loans	9.990	9.990	48	Calculator
Personal Loans	10.990	10.990	24	Calculator
Personal Loans	11.490	11.490	36	Calculator

*Rates effective as of 11/01/2008, include our automatic payment method. Rates can change at anytime without notice. Example: A new auto loan at 5.99% for 60 months would be $19.33 per $1000 borrowed or a second mortgage at 5.299% would be $14.28 per $1000 borrowed. APR is annual percentage rate. No refinances of ATCU loans. Terms are from 48 months to 60 months for auto loans; 48-180 for second mortages with the rate fixed for up to 84 months; the home equity line-of-credit rate may change with the prime rate. Please use our online application for all loans except for a home equity line-of-credit.

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2-year First Mortgage

Rate	Points	APR*
4.899	0	4.899

3-year First Mortgage

Rate	Points	APR*
4.899	0	4.899

4-year First Mortgage

Rate	Points	APR*
4.899	0	4.899

5-year First Mortgage

Rate	Points	APR*
4.899	0	4.899

6-year First Mortgage

Rate	Points	APR*
4.899	0	4.899

7-year First Mortgage

Rate	Points	APR*
4.899	0	4.899

Balloon programs are now available!!

*Rates effective as of 11/01/2008 and assumes electronic payment method and is subject to change without notice. Normal lending policies apply including 1-2 family, owner-occupied residence. 80% LTV or less. Call the credit union for current closing costs. Fees for loans over $100,000 are higher. Jumbo loans in excess of $417,000 may be available. Contact the credit union for program rates and fees. See credit union for any special promotions. Payment is $29.93 per thousand for 3 years, $18.83 per thousand borrowed for 5 years and $14.09 for 7 years; Property insurance required. Equal housing opportunity.
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Savings	Dividend Rate	APY*	Term
Savings-$500 - $2499	0.650	0.650	n/a
Savings $2500 - $4999	0.750	0.750	n/a
Savings $5000-$9999	0.950	0.950	n/a
Savings $10,000 +	1.040	1.050	n/a
ChoiceChecking	0.290	0.290	n/a
SaversChoice	0.650	0.650	n/a
Fun Money Club	0.650	0.650	n/a
Money Market $1,999 or Less	.240	.240	n/a
Money Market $2,000 - $9,999	3.000	3.030	n/a
Money Market $10,000 - $24,999	3.040	3.070	n/a
Money Market $25,000 - $49,999	3.140	3.180	n/a
Money Market $50,000 or more	3.240	3.280	n/a

APY is annual percentage yield. Rates effective as of 11/1/2008 and can change after the account is opened. Minimum balance to obtain APY: Savings rate depends on balance $500; $2500; $5000. ChoiceChecking $2000; Fun Money Club $25. SaversChoice $200; Fees could reduce earnings.
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Certificates Dividend Rate APY* Term

Certificates 2.565 2.590 6

Certificates 2.790 2.790 12

Certificates 3.090 3.090 24

Certificates 3.190 3.190 36

Certificates 3.290 3.290 60

IRA Savings 1.250 1.260 n/a

*APY is annual percentage yield. Rates effective as of 11/01/2008. Minimum balance to obtain APY is $5000; for members 18 and younger $500. Early withdrawal penalties will be imposed. Fees may reduce earnings. Ask about our rate match + .10% program. Subject to change at any time. Credit union reserves the right to limit deposit amount.
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