Rates

Giving You More Value For Your Money

Our rates are structured to help you achieve your goals. Whether you want to build your savings or need a loan for a special project, start with Atomic Credit Union.

Share Rates

Account Annual Percentage Rate Annual Percentage Yield Min. Balance
Regular Savings 0.25% 0.25% $5.00
IRA Savings 0.50% 0.50% n/a
Club 0.25% 0.25% n/a
Money Management I 0.40% 0.40% $2,500 - $9,999.99
Money Management II 0.50% 0.50% $10,000 - $49,999.99
Money Management III 0.70% 0.70% $50,000 - $99,999.99
Money Management IV 1.00% 1.01% $100,000 and greater
HSA 1.00% 1.01% n/a
Youth Accounts (Ages 0-18) 0.50% 0.50% $5.00

Certificate Rates

Account Annual Percentage Rate Annual Percentage Yield Min. Balance
3 Months 0.40% 0.40% $1,000
6 Months 0.45% 0.45% $1,000
12 Months 0.50% 0.50% $1,000
18 Months 0.60% 0.60% $1,000
24 Months 0.80% 0.80% $1,000
36 Months 1.25% 1.26% $1,000
48 Months 1.60% 1.61% $1,000
60 Months 2.35% 2.38% $1,000

Loan Rates

Loan Type Maximum Term Minimum Rate Annual Percentage Rate
New/Used Cars** 84* 3.74% 4.06%
Motorcycles** 60 7.00% 7.33%
Recreational- up to 60 months** 60 5.49% 5.82%
Recreational- 60 to 120 months**** 120 6.49% 6.67%
Equipment** 72 5.00% 5.33%
Signature*** 48 9.99% 11.64%
Share Secured***** 60 2.00% 2.00%

Disclaimers:

Rates subject to change without notice.

Actual rates may vary based on one or more of the following: loan type, loan amount, age of collateral, term of loan and credit score. 

Please contact your local branch for more information. 

 *Minimum $25,000.00 loan amount to be eligible for 84 month term, otherwise 72 month maximum loan term.

 **Annual Percentage Rate is based on a $20,000.00 loan with a $125.00 Loan Origination Fee, $35.00 VSI Premium and a 60 Month Term.

 ***Annual Percentage Rate is based on a $3,000.00 loan with a $50.00 Loan Origination Fee and a 24 Month Term. 

 ****Annual Percentage Rate is based on a $20,000.00 loan with a $125.00 Loan Origination Fee, $35.00 VSI Premium and a 120 Month Term.  

*****No Loan Origination Fees Apply.