Rates as of 9/1/2025- Our 90th Birthday Rates! Here for a limited time only to celebrate 90 years of AlaTrust!

New Vehicle Loans (2024-2026)

Months	A Rate
36	4.95%
61	5.05%
73 ($20,000+)	5.55%
84 ($30,000+)	6.45%

Used Vehicle Loans (2018-2023)

Months	A Rate
36	5.35%
61	5.95%
73 ($20,000+)	6.25%

Used Vehicle Loans (2017 & Older)

Months	A Rate
36	5.95%
61 ($10,000+)	6.95%

*Vehicle loans include titled, non-commercial: passenger cars, trucks, vans with less than 150,000 miles.

**RVs and Motorcycles must be titled, otherwise price as Other-Secured.

***Maximum 60 month for all vehicles with more than 150,000 miles.

All loans based on creditworthiness. Your actual rate may be higher.

Rates subject to change. Call the credit union for the most current rates.

Rates as of 9/22/2025

Conforming Fixed Rate Loans

Term	Rates as Low as 3	Monthly Payment (e)
10 Years	5.125%	$1,904
15 Years	5.375%	$1,493
20 Years	5.750%	$1,320
30 Years	6.125%	$1,169

* The Estimated Monthly Payment (e) is based on a $200,000 home and 20% Down Payment

 

Variable Rate Loans 5/1 ARM ²

Term	Rates as Low as	Monthly Payment (e)
15 Years	6.750%	$1,613
20 Years	6.875%	$1,425
30 Years	7.125%	$1,275

* The Monthly Payment (e) is based on a $200,000 home and 20% Down Payment

 

Variable Rate Loans 10/1 ARM ²

Term	Rates as Low as	Monthly Payment (e)
15 Years	7.000%	$1,635
20 Years	7.125%	$1,449
30 Years	7.375%	$1,302

* The Monthly Payment (e) is based on a $200,000 home and 20% Down Payment

 

Government Loans

Product	Rates Vary	Benefits
FHA	Contact Us	3.50% Down Payment
VA	Contact Us	Up to 100% financing for eligible service members and spouses.
USDA-RHS	Contact Us	Up to 100% financing available. Specific to rural areas.
HomeReady & HomePossible	Contact Us	As little as 3.00% down with competitive rates. Low Income.

Home Equity Line of Credit (HELOC) ⁵

Type	Term	Rates as Low as
Line of Credit	15 Year Draw Period	3.90%
	15 Year Repayment Period	3.90%
Quick Close Line of Credit	15 Year Draw Period	Prime plus one
	15 Year Repayment Period	Prime plus one

Construction/Perm ⁶

Single and Dual closing	Term	Rates as Low as
Construction Phase	Up to 12 Months- Interest Only Payments	8.00% Fixed
Perm Term	Set by permanent product chosen	Set by permanent product chosen

Land Only

Term	Rates as Low as 4	Monthly Payment (e)
10 Year Fixed- Metes & Bounds	8.125%	$806
20 Year ARM- Metes & Bounds	8.125%	$580
10 Year Fixed - Lot & Block	7.125%	$778
20 Year ARM- Lot & Block	7.125%	$548

* The Monthly Payment (e) is based on a $75,000 land and 20% Down Payment

 

Various types of mortgage loan programs and terms are available; not all products and rates are shown. Contact Credit Union for details.

¹ *APR=Annual Percentage Rate. *(e)=Estimate. The Interest rate, annual percentage rate (APR), origination fees, discount points and closing cost are subject to change without notice based on your loan amount, credit history, loan to value and intended use of the subject property. Your APR may be different. Get an official Loan Estimate before choosing a loan. This is not an offer of credit and is subject to the terms and conditions of AlaTrust Credit Union, not all borrowers will qualify, subject to approval and underwriting standards, restrictions may apply. Variable rates are subject to change after consummation of the loan. Mortgages are only available for properties located in the continental United States. ATCU does not provide tax advice. Please consult a tax advisor for more information regarding the deductibility of interest and charges.

² All adjustable-rate loans have various indexes, margins, caps and adjustment periods. Please ask your Loan Officer for an ARM Disclosure that is specific to the product you are considering.

³ APR shown is based on some assumptions of loan data: A $200,000 fixed rate loan with a term of 15 years with an interest rate of 6.375% and an APR of 6.484% will have a monthly payment of $1,728.50. Taxes and insurance not included. PMI not included if required by lender. Rate quoted includes a $889 origination fee. Other fees and closing costs may apply.

⁴ APR shown is based on some assumptions of loan data: A $75,000 Land Purchase with a term of 10 years using a Fixed Rate product and a term of 20 years using a 5/1 ARM for the variable rate. Payments vary. Payments do not include taxes, insurance, HOA or PMI. All APRs quoted includes a $889 origination fee. Other fees and closing costs may apply.

⁵ Home Equity Line of Credit (HELOC) Home Equity loans have a variable rate based on an index (Prime Offer Rate as published by WSJ) plus a margin. All HELOCs have a draw period of up to 15 years renewable every 5 years. ATCU pays the members’ typical closing costs on a Quick Close HELOC. Minimum credit line of $25,000. Minimum initial draw of $10,000. All HELOCs have a minimum monthly payment of 1.00% of the Outstanding Balance. Ask your Loan Officer for more details. HELOC Disclosure.

⁶ AlaTrust Credit Union offers single and dual close Construction-Perm loans. During the construction phase of the loan you pay interest only payments each month. Once construction is complete, ATCU will convert the loan to permanent financing. Rates and terms vary depending on the permanent product.

ATCU is an equal opportunity lender. Membership may be required.

Rates as of 9/1/2025

Credit Improvement Loans

Description	Months	A Rate
Shares of Certificates	60	2% Over Dividend Rate Minimum 3% Not to exceed Maturity of CD
Single Payment	12	2% Over Dividend Rate Minimum 3% Not to exceed Maturity of CD

Personal Loans

Description	Months	A Rate
Single Payment	6	15.00%
Personal Line of Credit	2 year draw	16.00%
Closed End	12	12.95%
Closed End	36	13.95%
Closed End	60	14.95%

VISA Rewards Credit Cards

Description	A Rate
VISA Platinum (No Annual Fee)	4.99%****
VISA Classic (No Annual Fee)	4.99%*****

All loans based on creditworthiness. Your actual rate may be higher.

Rates subject to change. Call the credit union for the most current rates.

****9.95% after 6 month introductory period.

*****14.95% after 6 month introductory period.

Rates as of 9/1/2025

Boats, RV's & Motorcycles

Description	Months	A Rate
New	61	6.75%
New ($20,000+)	73	7.05%
Used	61	7.75%
Used	73	7.99%
Over $30,000	Up To 240	Contact Us

**Other Secured Loans

Description	Months	A Rate
New	49	7.45%
New ($10,000+)	61	7.55%
Used	49	7.90%
Used ($10,000+)	61	8.25%

**Other-Secured loans include ATVs / garden tractors / 4-wheelers / trailers / AND Any age vehicle with mileage greater than 150,000 miles excluding boats. As well as any collateral without a title. 

All loans based on creditworthiness. Your actual rate may be higher.

Rates subject to change. Call the credit union for the most current rates.