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 Alcoa Tenn Federal Credit Union Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Alcoa Tenn Federal Credit Union's 15 Month Special rates are at 4.00%, 11 Month Special rates are at 3.50%, 7 Month Special rates are at 3.50%, 30 Month rates are at 2.00%, 36 Month rates are at 2.00%. Alcoa Tenn Federal Credit Union's savings rates are at 0.15%. Alcoa Tenn Federal Credit Union's money market rates are at 0.25%. Alcoa Tenn Federal Credit Union's Mortgage - Fixed Rate rates are at 5.00%, Mortgage - Fixed Rate rates are at 5.25%, Mortgage - Fixed Rate rates are at 5.50%, Mortgage - Adjustable Rate rates are at 5.55%, Mortgage - Adjustable Rate rates are at 5.75%. Alcoa Tenn Federal Credit Union's Personal Loan Rates are at 9.99%. MonitorBankRates evaluates the financial stability of Alcoa Tenn Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 4.56%. Rates last updated and verified on 08/28/2026. Alcoa Tenn Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Alcoa Tenn Federal Credit Union? Share your experience about Alcoa Tenn Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Alcoa Tenn Federal Credit Union. Alcoa Tenn Federal Credit Union
ATFCU Main Office 124 N Hall Rd
https://www.atfcu.com Alcoa, TN 37701 2648 
Alcoa Tenn Federal Credit Union CD Rates
Alcoa Tenn Federal Credit Union Savings Rates
Alcoa Tenn Federal Credit Union Money Market Rates
Alcoa Tenn Federal Credit Union Checking Rates
Alcoa Tenn Federal Credit Union Mortgage Rates
Alcoa Tenn Federal Credit Union Home Equity & HELOC
Alcoa Tenn Federal Credit Union Auto Loan Rates
Alcoa Tenn Federal Credit Union Personal Loan Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Alcoa Tenn Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Alcoa Tenn Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Alcoa Tenn Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Alcoa Tenn Federal Credit Union
Website
https://www.atfcu.com
Address
124 N Hall Rd,
Alcoa, TN 37701 2648
Phone
865-977-3118
Fax
865-977-0253
President
Al Cage
CEO
David Gill
Full-Time Employees
72
Part-Time Employees
2
Branch Locations
5
ATM Locations
5
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
4.56%
Return on Assets (ROA)
1.2680%
Return on Equity (ROE)
9.5220%
Non-Performing Loans Ratio (NPL)
1.08%
Total Assets
407,427,445
Total Amount of Shares and Deposits
354,827,991
Total Shares and Deposits < 1 Year
353,742,910
Total Shares and Deposits 1 3 Years
1,085,081
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,482,372
Total Uninsured Shares and Deposits > $250K (F+J)
8,482,372
Total Insured Shares and Deposits > $250K (item 17 less item K)
346,345,619
Total Interest Expense (Sum of items 6 8)
2,837,759
Share Certificates
1,948
Number of Accounts for Share Drafts
15,292
IRA KEOGH Accounts
705
Number of Accounts for Regular Shares
25,339
All other shares
520
Money Market Shares
580
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
72,678,505
Total Liabilities
354,778,045
Source: NCUA — Last Updated 09/30/2025
Customer Reviews
There are no reviews for Alcoa Tenn Federal Credit Union yet. Feel free to create one below.
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Add Your Rating and Review for Alcoa Tenn Federal Credit Union
Frequently Asked Questions About Alcoa Tenn Federal Credit UnionHow many branches does Alcoa Tenn Federal Credit Union operate?Alcoa Tenn Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Alcoa Tenn Federal Credit Union?Yes, to access services at Alcoa Tenn Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Alcoa Tenn Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Alcoa Tenn Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Alcoa Tenn Federal Credit Union offer online and mobile banking?Most modern institutions like Alcoa Tenn Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.atfcu.com. Current Alcoa Tenn Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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