Loan Rates

Loan Rates Effective July 17, 2009. 

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Loan Rates

Collateral

Maximum Term

Annual Percentage Rate*

Vehicles- New** (Cars, Trucks, Boats and RVs)	24 Mo 36 Mo 48 Mo 60 Mo 66 Mo 72 Mo	3.39% to 7.39% 3.49% to 7.49% 3.59% to 7.49% 3.69% to 7.69% 3.89% to 7.89% 4.29% to 8.29%
Vehicles-Used (Cars, Trucks, Boats and RVs)	0-60 Mo 66 Mo 72 Mo	3.69% to 7.69% 4.89% to 7.89% 4.29% to 8.29%
RVs Only (Above $25,000)	84 Mo 120 Mo	6.25% to 10.25% 6.75% to 10.75%
Furniture, Appliances, PCs and Household Goods	42 Mo	8.75% to 12.75%
New and Used Motorcycles and Personal Watercraft	60 Mo	6.25% to 10.25%
Share/Money Market Secured	60 Mo	4.60%
Stock Secured (NYSE, AMEX, NASDAQ)	48 Mo	7.50% to 11.50%
 VISA/VISA Gold	 Varies	 9.90%
Line of Credit	36 Mo	9.90% to 13.90%
Home Equity***	5 Year Fixed Rate 10 Year Fixed Rate 15 Year Fixed Rate 20 Year Fixed Rate	4.69% to 8.69% 4.89% to 8.89% 5.19% to 9.19% 5.69% to 9.69%
Home Improvement	5 Yr 10 Yr 15 Yr	5.55% to 9.55% 5.95% to 9.95% 6.25% to 10.25%
 Commercial Real Estate Loans****	 5 Yr 10 Yr 15 Yr	  5.75%   5.95%   6.20%
Share Certificate Secured*****	Term of Cert. 60 Mo.	Cert. Rate + 1.00% Cert. Rate + 1.25%

 
*Annual Percentage Rate. Actual Rate may vary depending on credit qualifications. Contact ATFCU to determine your actual rate.

**New vehicles include 2008 and newer model vehicles that have never been titled, or have been purchased and financed at another lender in the past 30 days.

***Home Equity - Rates and Terms for loans over $200,000 may vary.

****20 Year Amortization. Rate applies to first lien Commercial Real Estate loans with a loan to value of 80% or less; construction/development loan rates and terms may be different. No pre-payment penalty.

*****Share Certificate - The APR will be the dividend rate being paid on the Certificate offered as security plus 1.00%. The advance will be made for the length of the Certificate only. The present APR and daily periodic rate will be disclosed on the voucher at the time of the advance.

*****Extended Certificate - The APR will be the dividend rate being paid on the Certificate offered as security plus 1.25%. The certificate must be renewed until the advance is completely paid. The present APR and daily periodic rate will be disclosed at the time of the advance.

All rates are subject to change without notice. Contact ATFCU for the most current available rates. 

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