Loan Rates

Effective October 21, 2021

Loan rates and terms are determined by credit score, collateral value, collateral type, amount financed, and other factors. Rates and terms are subject to change without notice, some restrictions may apply.

New, Used, and Refinance Vehicles¹

Maximum Terms >730 729-680 679-640 639-600 599-550 <549
24 Mo. 1.75% 2.25% 3.25% 6.25% 8.25% 11.25%
36 Mo. 1.75% 2.25% 3.25% 6.25% 8.25% 11.25%
48 Mo. 1.75% 2.25% 3.25% 6.25% 8.25% 11.25%
60 Mo. 1.75% 2.25% 3.25% 6.25% 8.25% 11.25%
66 Mo. 1.75% 2.25% 3.25% 6.25% 8.25% 11.25%
72 Mo. 2.40% 2.90% 3.90% 6.90% 8.90% 11.90%

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Existing Vehicle Loan from Austin Telco²

Maximum Terms >730 729-680 679-640 639-600 599-550 <549
Up to 60 Mo. 2.49% 2.99% 3.99% 6.99% 8.99% 11.99%
66 Mo. 2.69% 3.19% 4.19% 7.19% 9.19% 12.19%
72 Mo. 3.15% 3.65% 4.65% 7.65% 9.65% 12.65%

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Boats/RVs/Commercial Vehicles

Maximum Terms >730 729-680 679-640 639-600 599-550 <549
60 Mo. 3.75% 4.75% 6.25% 8.75% 10.75% 12.75%
72 Mo. 4.25% 5.25% 6.75% 9.25% 11.25% 13.25%
84 Mo.³ 4.45% 5.45% 6.95% 9.45% 11.45% 13.45%
120 Mo.³ 4.75% 5.75% 7.25% 9.75% 11.75% 13.75%

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New/Used Motorcycle/Watercraft

Maximum Terms >730 729-680 679-640 639-600 599-550 <549
60 Mo. 6.25% 7.25% 8.75% 11.25% 13.25% 15.25%

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Signature/Line of Credit

Maximum Terms >730 729-680 679-640 639-600 599-550 <549
60 Mo. 9.90% 10.90% 12.90% 14.90% 16.90% 17.90%

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Share/Money Market4

Maximum Terms >730 729-680 679-640 639-600 599-550 <549
60 Mo. 3.50% 3.50% 3.50% 3.50% 3.50% 3.50%

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VISA© Credit Card

Maximum Terms >730 729-680 679-640 639-600 599-550 <549
N/A 9.90% 10.90% 12.90% 14.90% 16.90% 17.90%

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Home Equity

Maximum Terms >730 729-680 679-640 639-600 599-550 <549
60 Mo. 2.75% 3.10% 3.50% 4.25% 4.75% 5.75%
120 Mo. 2.95% 3.30% 3.70% 4.45% 4.95% 5.95%
180 Mo. 3.10% 3.45% 3.85% 4.60% 5.10% 6.10%
240 Mo. 3.20% 3.55% 3.95% 4.70% 5.20% 6.20%

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Home Improvement

Maximum Terms >730 729-680 679-640 639-600 599-550 <549
60 Mo. 5.95% 6.45% 6.95% 7.95% 8.95% 9.95%
120 Mo. 6.15% 6.65% 7.15% 8.15% 9.15% 10.15%
180 Mo. 6.40% 6.90% 7.40% 8.40% 9.40% 10.40%

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Commercial Real Estate Loans5

Maximum Terms Rate
5 Years 3.39%
7 Years 3.59%
10 Years 3.79%

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1Annual Percentage Rate: All rates are expressed "as low as". These rates are available when applying for an ATFCU auto loan. Auto loan rate advertised is our lowest rate for the purchase or refinance of a new or used vehicle from another lender. Actual rate may vary depending on credit qualifications. Rates and terms subject to change without notice. New auto loan of $20,000 for 66 months at 1.75% APR will have a monthly payment of $318.

2Annual Percentage Rate: These rates are applicable for the refinance (additional term or funds) of an existing vehicle loan at Austin Telco. Rates and terms subject to change without notice. Auto loan of $20,000 for 60 months at 2.49% APR will have a monthly payment of $355.

3Minimum loan amount of $25,000.

4Share 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 an equivalent term Certificate plus 1.25%. The Certificate used as collateral must be renewed as necessary until the advance is completely paid. The present APR and daily periodic rate will be disclosed at the time of the advance.

5Rate applies to first lien commercial real estate loans with a loan value of 80% or less, construction/development loan rates and terms may be different. No pre-payment penalty.

The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness. Please contact Austin Telco to determine the rate you qualify for. NMLS #422857