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

Alcoa Tenn is Thankful

November is a month of giving thanks, especially to our veterans. That's why starting November 1 - November 30, 2025, when a new application is recieved, we're offering a .25% discount off qualified rate for first mortgage purchase or first mortgage refinance. And, for veterans and active military, we're adding a .10% discount off the origination fee. Offer available on new money only. Must be primary residence. Apply online or contact the mortgage department today!

Purchase a Home

You’ve worked hard to find the home of your dreams, now trust the lending team at Alcoa Tenn Federal Credit Union to find the right mortgage loan solution for you. We’ll put our expertise to work for you.

View Details

Apply Now

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 5.00%	5.534%	$18.87
Mortgage - Fixed Rate	10 Year	as low as 5.25%	5.535%	$10.73
Mortgage - Fixed Rate	15 Year	as low as 5.50%	5.703%	$8.17
Mortgage - Fixed Rate	Longer terms	Call for details	Call for details	--
Mortgage - Adjustable Rate⁴	1 Year ARM	as low as 5.50%	6.119%	$5.68
Mortgage - Adjustable Rate⁴	3 Year ARM	as low as 5.50%	6.027%	$5.68
Mortgage - Adjustable Rate⁴	5 Year ARM	as low as 5.75%	6.046%	$5.84
Mortgage - Adjustable Rate⁴	7 Year ARM	as low as 5.80%	6.033%	$5.87
Mortgage - Adjustable Rate⁴	10 Year ARM	as low as 6.00%	6.125%	$6.00

Rates current as of: November 1, 2025

1. Up to 100% LTV with Home 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. APR can increase or decrease after the initial ARM term.

5. All 1st Mortgage Jumbo Loans Fixed and Arm over $806,500.00 add .75% to the interest rate which will affect the apr.

Refinance a Home

Would you like to lower your rate, remodel, or payoff debt? Put your equity to work for you!