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 0.35% 0.35% $2,500 - $9,999.99
Money Management II 0.40% 0.40% $10,000 - $49,999.99
Money Management III 0.45% 0.45% $50,000 - $99,999.99
Money Management IV 0.50% 0.50% $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
13 Month Special 3.00% 3.04% $1,000
3 Months 1.70% 1.71% $1,000
6 Months 2.15% 2.17% $1,000
12 Months 2.35% 2.38% $1,000
18 Months 2.50% 2.53% $1,000
24 Months 2.60% 2.63% $1,000
36 Months 2.75% 2.78% $1,000
48 Months 3.00% 3.04% $1,000
60 Months 3.25% 3.30% $1,000

Loan Rates

Loan Type Maximum Term Minimum Rate Annual Percentage Rate
New/Used Cars** 60* 4.99% 5.32%
Motorcycles** 72 8.25% 8.59%
Recreational- up to 72 months** 72 6.74% 7.07%
Recreational- 72 to 120 months**** 120 7.74% 8.08%
Equipment** 72 6.25% 6.58%
Signature*** 60 11.24% 12.91%
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 (2019 & Newer Only).  Add .75% to base rate for 61-75 month terms; Add an additional .25% to base rate for 76-84 month terms.

 **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.