Loan Rates

Effective May 11, 2022

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

Loan Type
Up to 66 Months
as low as
67 - 72 Months
as low as
73 - 78 Months
as low as
New, Used, and Refinance 2.39% 2.79% 3.19%

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Existing Vehicle Loan from Austin Telco²

Loan Type
Up to 60 Months
as low as
61 - 66 Months
as low as
67 - 72 Months
as low as
Refinance Existing ATFCU Vehicle Loan 2.49% 2.69% 3.15%

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Boats/RVs/Commercial Vehicles

Loan Type
Up to 60
Months
as low as
61 - 72
Months
as low as
73 - 84
Months3
as low as
85 - 120
Months3
as low as
Boats/RVs/Commercial Vehicles 4.29% 4.59% 5.19% 5.59%

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New/Used Motorcycle/Watercraft

Loan Type
Up to 60 Months
as low as
New/Used Motorcycle/Watercraft 6.25%

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Signature/Line of Credit

Loan Type
Up to 60 Months
as low as
Signature/Line of Credit 9.90%

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Share/Money Market4

Loan Type
Up to 60 Months
as low as
Share/Money Market 3.50%

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VISA© Credit Card

Loan Type
as low as
VISA Credit Card 9.90%

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Home Equity5

Loan Type
5 Years Fixed
as low as
10 Years Fixed
as low as
15 Years Fixed
as low as
20 Years Fixed
as low as
Home Equity 3.49% 3.79% 4.19% 4.69%

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Home Improvement

Loan Type
5 Years
as low as
10 Years
as low as
15 Years
as low as
Home Improvement 5.95% 6.15% 6.40%

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Commercial Real Estate Loans6

Loan Type 5 Years 7 Years 10 Years
Commercial Real Estate 3.99% 4.19% 4.39%

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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 2.39% APR will have a monthly payment of $324.

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.

5Annual Percentage Rate. All rates are expressed "as low as". Rates shown are for first-lien home equity loans, second lien loans rates may be slightly higher, please call for details. All rates and terms are subject to change without notice.

6Rate 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