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Important Updates regarding the Coronavirus (COVID-19): Learn More Atomic Credit Union lobbies have reopened. We will recognize every Wednesday from 10am to 11am as specially designated lobby service hours for our at-risk population of members. Social distancing practices are in place and appointments are also available. Please contact us at 800.652.2328 for appointment availability. Drive-Thru, ATM and Digital Banking Services remain available.

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 0.10% 0.10% $5.00
IRA Savings 0.10% 0.10% n/a
Club 0.10% 0.10% n/a
Money Management I 0.25% 0.25% $2,500 - $9,999.99
Money Management II 0.30% 0.30% $10,000 - $49,999.99
Money Management III 0.35% 0.35% $50,000 - $99,999.99
Money Management IV 0.40% 0.40% $100,000 and greater
HSA 0.25% 0.25% n/a
Youth Accounts (Ages 0-18) 0.35% 0.35% $5.00

Certificate Rates

Account Annual Percentage Rate Annual Percentage Yield Min. Balance
3 Months 0.20% 0.20% $1,000
6 Months 0.25% 0.25% $1,000
12 Months 0.30% 0.30% $1,000
18 Months 0.40% 0.40% $1,000
24 Months 0.55% 0.55% $1,000
36 Months 0.60% 0.60% $1,000
48 Months 0.75% 0.75% $1,000
60 Months 0.90% 0.90% $1,000

Loan Rates

Loan Type Maximum Term Minimum Rate Annual Percentage Rate
New/Used Cars** 84* 3.99% 4.32%
Motorcycles** 60 7.25% 7.59%
Recreational- up to 60 months** 60 5.74% 6.07%
Recreational- 60 to 120 months**** 120 6.74% 6.92%
Equipment** 72 5.00% 5.33%
Signature*** 48 10.24% 11.92%
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.