⚠️ TEXT MESSAGE SCAM ALERT ⚠️

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.

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Rates & Specials

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Got Debt? Get Cash

A man and woman sit on the back of their car with the trunk open, staring at a scenic viewGot Debt? is back! If you’ve got debt, Alcoa Tenn can help. This program is available from April 1 – September 30, 2026, and if you’re looking to consolidate your debt, we may be able to help.

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Don't Skip the Trip!

Family of 4 on splashing in the waves on a beach

Life Moves Fast – Start Making Memories Now.

Experience the moments that will last a lifetime. Whether it’s a relaxing beach escape, a scenic mountain getaway, or a fun-filled family trip, now is the perfect time to go. With our vacation loan, you can borrow up to $3,500 for 12 months with rates as low as 6.99% APR*.  Don’t skip the trip!  Apply online or give us a call at (865) 977 -3118 to speak with a loan officer today.

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APR is accurate as of May 13, 2026. 

*APR is Annual Percentage Rate. Payment per thousand $86.07 per month based on 6.99% for 12 months. Rate dependent upon credit approval.  Rates subject to change. Conditions/Restrictions apply. See a loan officer for details. Offer available May 1st – July 31st, 2026.

Certificate Specials

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With ATFCU’s Certificate Specials, YOU choose your term!

7-month* or 11-month** Certificate at 3.50% APY.

View all of our Certificate Rates.

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APY is accurate as of May 13, 2026. Rates subject to change without notice. Dividends calculated daily, compounded monthly. Fees could reduce earnings. Other rates and terms available. Penalty equal to 180 days’ dividends will be applied for early withdrawal.

*Automatically renews at maturity for a 6-month term at the then current 6 month share certificate dividend rate.

** Automatically renews at maturity for a 12-month term at the then current 12 month share certificate dividend rate.

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