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 0.01% 0.01% $5.00
IRA Savings 0.10% 0.10% n/a
Club Account 0.05% 0.05% n/a
Money Management I 1.25% 1.26% $2,500 - $9,999.99
Money Management II 1.50% 1.51% $10,000 - $49,999.99
Money Management III 2.50% 2.53% $50,000 - $99,999.99
Money Management IV 3.50% 3.56% $100,000 and greater
Health Savings Account 0.10% 0.10% n/a
Youth Accounts (Ages 0-19) 0.30% 0.30% $5.00

Certificate Rates

Account Annual Percentage Rate Annual Percentage Yield Min. Balance
JUMBO 5-12 Month 5.21% 5.35% $75,000
5 - 12 Month 4.97% 5.10% $1,000
3 Months 5.35% 5.50% $1,000
18 Months 4.74% 4.85% $1,000
24 Months 4.64% 4.75% $1,000
36 Months 2.75% 2.78% $1,000
48 Months 3.00% 3.04% $1,000
60 Months 3.74% 3.80% $1,000

Loan Rates

Loan Type Maximum Term Minimum Rate Annual Percentage Rate
New/Used Cars** 60* 6.50% 6.83%
Motorcycles** 72 9.00% 9.34%
Recreational- up to 72 months** 72 7.49% 7.83%
Recreational- 72 to 120 months**** 120 8.49% 8.68%
Equipment** 72 7.00% 7.34%
Signature*** 60 11.49% 13.18%
Share Secured***** 60 2.50% 2.50%

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 (2021 & Newer Only).  

 **Annual Percentage Rate is based on a $20,000.00 loan with a $125.00 Loan Origination Fee, $35.06 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, $35.06 VSI Premium and a 120 Month Term.  

*****No Loan Origination Fees Apply.