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 0.05% 0.05% n/a
Money Management I 0.03% 0.03% $2,500 - $9,999.99
Money Management II 0.04% 0.04% $10,000 - $49,999.99
Money Management III 0.05% 0.05% $50,000 - $99,999.99
Money Management IV 0.10% 0.10% $100,000 and greater
HSA 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
3 Months 0.02% 0.02% $1,000
6 Months 0.04% 0.04% $1,000
12 Months 0.06% 0.06% $1,000
18 Months 0.08% 0.08% $1,000
24 Months 0.10% 0.10% $1,000
36 Months 0.15% 0.15% $1,000
48 Months 0.20% 0.20% $1,000
60 Months 0.25% 0.25% $1,000

Loan Rates

Loan Type Maximum Term Minimum Rate Annual Percentage Rate
New/Used Cars** 84* 2.99% 3.31%
Motorcycles** 72 7.25% 7.59%
Recreational- up to 72 months** 72 5.74% 6.07%
Recreational- 72 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 75 month maximum loan 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 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.