Loan Rates

Loan Rates Effective July 28, 2010.

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Loan Rates

Collateral

Maximum Term

Annual Percentage Rate*

Vehicles- New & Used (Cars, Trucks, Boats and RVs)	Up to 60 Mo 66 Mo 72 Mo	3.45% to 7.45% 3.75% to 7.75% 3.95% to 7.95%
RVs Only (Above $25,000)	84 Mo 120 Mo	6.25% to 10.25% 6.75% to 10.75%
Furniture, Appliances, PCs and Household Goods	42 Mo	8.75% to 12.75%
New and Used Motorcycles and Personal Watercraft	60 Mo	6.25% to 10.25%
Share/Money Market Secured	60 Mo	3.50%
Stock Secured (NYSE, AMEX, NASDAQ)	48 Mo	7.50% to 11.50%
VISA/VISA Gold	Varies	9.90%
Line of Credit	60 Mo	9.90% to 13.90%
Home Equity****	5 Year Fixed Rate 10 Year Fixed Rate 15 Year Fixed Rate 20 Year Fixed Rate	4.49% to 8.49% 4.89% to 8.89% 5.19% to 9.19% 5.69% to 9.69%
Home Improvement	5 Yr 10 Yr 15 Yr	5.55% to 9.55% 5.95% to 9.95% 6.25% to 10.25%
Commercial Real Estate Loans*****	5 Yr 7 Yr 10 Yr	5.49% 5.69% 5.99%
Share Certificate Secured******	Term of Cert. Extended Term to 60 Mo.	Cert. Rate + 1.00% Equivalent Term Cert. Rate + 1.25%

*Annual Percentage Rate. Actual Rate may vary depending on credit qualifications. Contact ATFCU to determine your actual rate.

**New Vehicle- New, never titled vehicles; or new vehicles titles in the past 30 days.

***Used Vehicle- any previously titled vehicle- includes refinance, purchase, etc.

****Home Equity - Rates and Terms for loans over $200,000 may vary.

*****20 Year Amortization. Rate applies to first lien Commercial Real Estate loans with a loan to value of 80% or less; construction/development loan rates and terms may be different. No pre-payment penalty.

******Share Certificate - The APR will be the dividend rate being paid on the Certificate offered as security plus 1.00%. The advance will be made for the length of the Certificate only. The present APR and daily periodic rate will be disclosed on the voucher at the time of the advance.

******Extended Certificate - The APR will be the dividend rate being paid on an equivalent term Certificate plus 1.25%. The certificate used as collateral must be renewed as necessary until the advance is completely paid. The present APR and daily periodic rate will be disclosed at the time of the advance.

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