Please be aware that ATFCU will never send unsolicited emails asking for or requiring login credentials. We will also never ask for personal information or verification codes via unsolicited text message, email, or phone. If you receive an unsolicited message from someone claiming to be ATFCU and asking for username, passwords, verification codes, account numbers or other personal information, please do not respond. Instead, contact ATFCU directly at 800-404-6008 and speak with someone in Member Service. If you have given out your account number, Visa credit/debit card, or other information, please contact ATFCU immediately.

Real Estate Loans

Home Loan Solutions from ATFCU

You want to buy, build, or remodel the home of your dreams - we can help! Not sure what loan option is right for you? Our lending team is here to assist you find the solution that best fits your needs.

First Mortgage Loans

You’ve worked hard to find the home of your dreams, now trust the lending team at Alcoa Tenn Federal Credit Union find the right mortgage loan solution for you. Whether you’re in the market for your first home, or seeking to refinance an existing mortgage, we’ll put our expertise to work for you.

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Features

A variety of loan programs offered in terms ranging from five years to 30 years
Local decisions
Ask us about borrowing up to 100% LTV¹

Do the math! Check out our mortgage calculator.

Rates:

Product Type	Term	Interest Rate	Annual Percentage Rate (APR)²	Example³
Mortgage - Fixed Rate	5 Year	as low as 5.25%	7.789%	$18.99
Mortgage - Fixed Rate	10 Year	as low as 5.50%	5.788%	$10.85
Mortgage - Fixed Rate	15 Year	as low as 6.15%	6.361%	$8.52
Mortgage - Fixed Rate⁴	Longer terms	Call for details	Call for details	--
Mortgage - Adjustable Rate⁵	1 Year ARM	as low as 5.65%	7.800%	$5.77
Mortgage - Adjustable Rate⁵	3 Year ARM	as low as 5.65%	7.420%	$5.77
Mortgage - Adjustable Rate⁵	5 Year ARM	as low as 5.90%	7.220%	$5.93
Mortgage - Adjustable Rate⁵	7 Year ARM	as low as 5.95%	7.010%	$5.96
Mortgage - Adjustable Rate⁵	10 Year ARM	as low as 6.15%	6.860%	$6.09

Rates current as of: November 21, 2024

1. Up to 100% LTV with DGU Equity Protection Program. Higher rates may apply. Subject to approval.

2. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change and based on 80% LTV. For information, contact the mortgage department.

3. Example is based on payment per $1,000 for loan amount of $150,000.

4. Secondary Mortgage through MyCUMortgage.

5. APR can increase or decrease after the initial ARM term.

6. All 1st Mortgage Jumbo Loans Fixed and Arm over $766,550.00 add .75% to the interest rate which will affect the apr.

Home Equity Loans/2nd Mortgages

For projects and major purchases where you know the budget and timeframe, a fixed rate home equity loan is a smart way to go.

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Product Type	Term	Interest Rate	Annual Percentage Rate (APR)²	Example³
Home Equity - Fixed Rate	5 Years	As low as 7.70%	As low as 8.295%	$20.13
Home Equity - Fixed Rate	10 Years	As low as 7.95%	As low as 8.276%	$12.11
Home Equity - Fixed Rate	15 Years	As low as 8.45%	As low as 8.692%	$9.82

Home Equity Line of Credit (HELOC)

For affordable access to cash when you need it, consider tapping into your home’s equity with a home equity line of credit. A HELOC¹can be used for just about anything – home repairs, college expenses, a dream vacation! Your line of credit is easily accessible with our Visa cards.

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Product Type	Term	Interest Rate	Annual Percentage Rate (APR)³	Example
HELOC - Adjustable Rate⁴	10 Years	As low as 8.50%	As low as 8.50%	--

Construction Loans

Sometimes your dream home requires blueprints. When you can’t find the home that’s right for you, build it instead. ATFCU offers construction loans which make financing your new home build easier and affordable. Only the interest is charged during the one-year construction period of the loan. Once the home is complete, you can pay off the loan or modify it into any of the mortgage loans offered by ATFCU.

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Features

One-year construction loan
Only interest charged while home is being built
Can be modified into permanent mortgage loan

Rates:

Product Type	Term	Interest Rate	Annual Percentage Rate (APR)¹	Example²
Construction - Fixed Rate³	12 Month	as low as 7.50%	as low as 10.13%	$86.76
Land - Fixed Rate	5 Year Fixed	as low as 6.70%	as low as 7.27%	$19.66
Land - Fixed Rate	10 Year Fixed	as low as 6.85%	as low as 7.16%	$11.53
Land - Fixed Rate	15 Year Fixed	as low as 7.15%	as low as 7.37%	$9.07

Rates current as of: November 21, 2024

1. Annual Percentage Rate (APR) is accurate as of the date mentioned above. This rate schedule states rates applicable to specified accounts. All rates are subject to change. For information, contact the mortgage department.

2. Example is based on payment per $1,000 for loan amount of $150,000.

3. Construction rate is fixed for a twelve-month building period; Construction loans may be modified to a mortgage product after a 12-month period. A balloon payment for $1,085.38 would be due based on payment example if the construction loan is not modified to a mortgage loan.

*Minumum loan amount for 15 year term is $50,000.00.

Land Loans

When you're looking for a plot of land, either as the site to build your dream home or for investment or recreational enjoyment, look to ATFCU for your loan.

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Features:

80% max loan to value
5,10, and 15* year terms
Local decision making

Do the math! Check out our mortgage calculator.

Rates

Product Type	Term	Interest Rate	Annual Percentage Rate (APR)¹	Example²
Construction - Fixed Rate³	12 Month	as low as 7.50%	as low as 10.13%	$86.76
Land - Fixed Rate	5 Year Fixed	as low as 6.70%	as low as 7.27%	$19.66
Land - Fixed Rate	10 Year Fixed	as low as 6.85%	as low as 7.16%	$11.53
Land - Fixed Rate	15 Year Fixed	as low as 7.15%	as low as 7.37%	$9.07

Rates current as of: November 21, 2024

2. Example is based on payment per $1,000 for loan amount of $150,000.

*Minumum loan amount for 15 year term is $50,000.00.

Related Resources

ATFCU is an Equal Housing Lender.
NMLS# 554319