Effective November 13th, 2024
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
|
79 - 84 Months
as low as
|
|---|---|---|---|---|
| New, Used, and Refinance | 5.99% | 6.19% | 6.89% | 7.19% |
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 | 7.49% | 7.69% | 8.09% | 8.49% |
New/Used Motorcycle/Watercraft
| Loan Type |
Up to 60 Months
as low as
|
|---|---|
| New/Used Motorcycle/Watercraft | 7.04% |
Signature/Line of Credit
| Loan Type |
Up to 60 Months
as low as
|
|---|---|
| Signature/Line of Credit | 9.90% |
Share/Money Market4
| Loan Type |
Up to 60 Months
as low as
|
|---|---|
| Share/Money Market | 3.50% |
VISA© Credit Card
| Loan Type |
as low as
|
|---|---|
| VISA Credit Card | 9.90% |
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 | 5.49% | 5.89% | 6.19% | 6.49% |
Home Improvement
| Loan Type |
5 Years
as low as
|
10 Years
as low as
|
15 Years
as low as
|
|---|---|---|---|
| Home Improvement | 7.20% | 7.40% | 7.65% |
Commercial Real Estate Loans6
| Loan Type | 5 Years | 7 Years | 10 Years |
|---|---|---|---|
| Commercial Real Estate | 6.24% | 6.74% | 6.94% |
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. 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 5.99% APR will have a monthly payment of $357.
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 loan 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