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 0.25% 0.25% $5.00
IRA Savings 0.50% 0.50% n/a
Club 0.25% 0.25% n/a
Money Management I 0.40% 0.40% $2,500 - $9,999.99
Money Management II 0.45% 0.45% $10,000 - $49,999.99
Money Management III 0.50% 0.50% $50,000 - $99,999.99
Money Management IV 0.55% 0.55% $100,000 and greater
HSA 1.00% 1.01% n/a
Youth Accounts (Ages 0-18) 0.50% 0.50% $5.00

Certificate Rates

Account Annual Percentage Rate Annual Percentage Yield Min. Balance
3 Months 0.40% 0.40% $1,000
6 Months 0.45% 0.45% $1,000
12 Months 0.50% 0.50% $1,000
18 Months 0.60% 0.60% $1,000
24 Months 0.80% 0.80% $1,000
36 Months 1.25% 1.26% $1,000
48 Months 1.60% 1.61% $1,000
60 Months 2.00% 2.02% $1,000

Loan Rates

Loan Type Maximum Term Minimum Rate Annual Percentage Rate
*New/Used Cars 72 4.74% 4.99%
*Motorcycles 60 7.00% 7.26%
*Recreational 60 7.00% 7.26%
*Equipment 72 7.00% 7.26%
**Signature 48 9.99% 11.64%
***Share Secured 60 2.00% 2.00%

*Disclaimer: Annual Percentage Rate is based on a $20,000.00 loan with a $125.00 Loan Origination Fee and a 60 Month Term. Rates listed are the best available rate. Rates and terms vary by loan type, loan amount and credit score. Please contact your local branch for more information. All rates are subject to change at any time without prior notice.

**Annual Percentage Rate is based on a $3,000.00 loan with a $50.00 Loan Origination Fee and a 24 Month Term. Rates listed are the best available rate. Rates and term vary by loan type, loan amount and credit score. Please contact your local branch for more information. All rates are subject to change at any time without prior notice. 

***No Loan Origination Fees Apply