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Plant Your Roots and Bloom With Us

If you're looking to plant your roots in a new home this Spring, then we want you to bloom with us! Beginning March 1 - April 30, 2025 we're offering 0.25% discount off qualified rate for first mortgage and first mortgage refinance. Up to 100% financing with no PMI*. 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 5.25%	5.789%	$18.99
Mortgage - Fixed Rate	10 Year	as low as 5.34%	5.626%	$10.77
Mortgage - Fixed Rate	15 Year	as low as 5.99%	6.199%	$8.43
Mortgage - Fixed Rate	Longer terms	Call for details	Call for details	--
Mortgage - Adjustable Rate⁴	1 Year ARM	as low as 5.65%	6.717%	$5.77
Mortgage - Adjustable Rate⁴	3 Year ARM	as low as 5.65%	6.538%	$5.77
Mortgage - Adjustable Rate⁴	5 Year ARM	as low as 5.90%	6.485%	$5.93
Mortgage - Adjustable Rate⁴	7 Year ARM	as low as 5.95%	6.435%	$5.96
Mortgage - Adjustable Rate⁴	10 Year ARM	as low as 6.15%	6.477%	$6.09

Rates current as of: April 30, 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!

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.

Product Type	Term	Interest Rate	Annual Percentage Rate (APR)²	Example³
Mortgage - Fixed Rate	5 Year	as low as 5.25%	5.789%	$18.99
Mortgage - Fixed Rate	10 Year	as low as 5.34%	5.626%	$10.77
Mortgage - Fixed Rate	15 Year	as low as 5.99%	6.199%	$8.43
Mortgage - Fixed Rate	Longer terms	Call for details	Call for details	--
Mortgage - Adjustable Rate⁴	1 Year ARM	as low as 5.65%	6.717%	$5.77
Mortgage - Adjustable Rate⁴	3 Year ARM	as low as 5.65%	6.538%	$5.77
Mortgage - Adjustable Rate⁴	5 Year ARM	as low as 5.90%	6.485%	$5.93
Mortgage - Adjustable Rate⁴	7 Year ARM	as low as 5.95%	6.435%	$5.96
Mortgage - Adjustable Rate⁴	10 Year ARM	as low as 6.15%	6.477%	$6.09

Rates current as of: April 30, 2025

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

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.

PMI = Private Mortgage Insurance. Available March 1 - 31, 2025. Offer only available on purchase or first mortgage refinance. Promotion excludes internal refinances.

Plant Your Roots and Bloom With Us

Purchase a Home

Features

Rates:

Refinance a Home

Features

Related Resources