Rates
Loans Mortgages Savings Certificates
Loans
| | Rate | APR* | Term | Calc. | Apply |
| New Auto, Truck, or Motorcycle | 2.99 | 2.99 | 60 |  |  |
| Used Auto, Truck, or Motorcycle | 2.99 | 2.99 | 60 |  |
|
| Used Auto, Truck or Motorcycle | 4.99 | 4.99 | 72 | |
|
| | | | |
|
| Second mortgages: $10,000 or more | 3.599 | 3.599 | 84 | |
|
| Second mortgages: $5,000 | 9.990 | 9.990 | 60 | |
|
| Home Equity Line of Credit | 3.250 | 3.250 | n/a | |
|
| Secured Loans | 8.990 | 8.990 | 24 | |
|
| Secured Loans | 9.490 | 9.490 | 36 | |
|
| Secured Loans | 9.990 | 9.990 | 48 | |
|
| Personal Loans | 10.990 | 10.990 | 24 | |
|
| Personal Loans | 11.490 | 11.490 | 36 | |
|
*APR is annual percentage rate. Rates effective as of 02/01/2012, include our automatic payment method and sign-up for eStatements. Rates can change at anytime without notice. Example: An auto loan at 2.99% for 60 months would be $17.97 per $1000 borrowed or a second mortgage at 3.599% would be $13.49 per $1000 borrowed. No refinances of ATCU loans. Minimum auto/truck/motorcycle loan amount is $5,000. Terms are from 24 months to 60 months for auto loans (2004 or newer), for 72 months the rate is 4.99%; 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. Interest accrues from date of loan. Please use our online application for all loans except for a home equity line of credit.
Mortgages
3-year First Mortgage
| Rate | Points | APR* | Calc | Apply |
| 2.799 | 0 | 2.799 | |
|
5-year First Mortgage
| Rate | Points | APR* | Calc | Apply |
| 2.999 | 0 | 2.999 | |
|
7-year First Mortgage
| Rate | Points | APR* | Calc | Apply |
| 3.399 | 0 | 3.399 | |
|
Balloon programs are now available!!
*APR is annual percentage rate. Rates effective as of 02/01/2012 and assumes electronic payment method and sign-up for eStatements. Rate 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 $29.00 per thousand for 3 years. Property insurance required. Interest accrues from date of loan. Equal housing opportunity.
Savings
Effective April 1, 2009: Maximum deposit limits may apply. Please call the credit union for details on this or review our Truth-in-Savings Disclosure for additional important information.
| | Dividend Rate | APY* | Term |
| Savings-$500 - $2,499 | 0.09 | 0.09 | n/a |
| Savings $2,500 - $4,999 | 0.14 | 0.14 | n/a |
| Savings $,5000-$9,999 | 0.19 | 0.19 | n/a |
| Savings $10,000 + | 0.24 | 0.24 | n/a |
| ChoiceChecking | 0.19 | 0.19 | n/a |
| SaversChoice | 0.14 | 0.14 | n/a |
| Fun Money Club | 0.14 | 0.14 | n/a |
| Money Market $1,999 or Less | 0.14 | 0.14 | n/a |
| Money Market $2,000 to $9,999 | 0.339 | 0.34 | n/a |
| Money Market $10,000 - $24,999 | 0.439 | 0.44 | n/a |
| Money Market $25,000 - $49,999 | 0.539 | 0.54 | n/a |
| Money Market $50,000 or more | 0.588 | 0.59 | n/a |
***Please read our
Truth-in-Savings Disclosure in its entirety as it has pertinent information regarding your account and membership.
APY is annual percentage yield. Rates effective as of 02/01/2012 and can change after the account is opened. Rates can change at any time. Minimum balance to obtain APY: Savings rate depends on balance $500; $2,500; $5,000. ChoiceChecking $2,000; Fun Money Club $25. SaversChoice $200; Fees could reduce earnings. The credit union reserves the right to limit deposit amounts.
Certificates
| | Dividend Rate | APY* | Term |
| Certificates- 6 Months | 0.588 | 0.59 | 6 |
| Certificates- 1 Year | 0.69 | 0.69 | 12 |
| Certificates- 2 Years | 0.99 | 0.99 | 24 |
| Certificates- 3 Years | 1.19 | 1.19 | 36 |
| Certificates- 5 Years | 1.89 | 1.89 | 60 |
| IRA Savings | 0.24 | 0.24 | n/a |
*APY is annual percentage yield. Rates effective as of 02/01/2012. Rates can change at any time. Minimum balance to obtain APY is $5000; for members 17 and younger $500. Early withdrawal penalties will be imposed. Fees may reduce earnings. Credit union reserves the right to limit deposit amount.
***Please read our Truth-in-Savings Disclosure in its entirety as it has pertinent information regarding your account and membership.
All deposit accounts are insured up to $250,000 by the NCUA, the National Credit Union Administration, an agency of the federal government. Individual Retirement Accounts are insured to $250,000. The brochure "Your Insured Funds" can be found at the credit union or on NCUA.gov for additional information and examples.