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Alcoa Tenn Federal Credit Union

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Alcoa Tenn Federal Credit Union Rates & Review September 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

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 as low as 9.99%. Alcoa Tenn Federal Credit Union's Credit Card Rates are at 11.75%. 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 1.82%. Rates last updated and verified on 09/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.82%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Alcoa Tenn Federal Credit Union
ATFCU-Main Office

124 N Hall Rd
Alcoa, TN 37701-2648

https://www.atfcu.com

Alcoa Tenn Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Mortgage - Fixed Rate	5.00%	-	5.53%	5 Year
Details As Low As; Example: $18.87 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Mortgage - Fixed Rate	5.25%	-	5.54%	10 Year
Details As Low As; Example: $10.73 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Mortgage - Fixed Rate	5.50%	-	5.70%	15 Year
Details As Low As; Example: $8.17 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Mortgage - Adjustable Rate	5.55%	-	5.97%	7 Year ARM
Details As Low As; Example: $5.71 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Mortgage - Adjustable Rate	5.75%	-	6.00%	10 Year ARM
Details As Low As; Example: $5.84 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Mortgage - Adjustable Rate	5.50%	-	6.02%	5 Year ARM
Details As Low As; Example: $5.68 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Mortgage - Adjustable Rate	5.25%	-	6.05%	3 Year ARM
Details As Low As; Example: $5.52 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Mortgage - Adjustable Rate	6.00%	-	6.13%	15 Year ARM
Details As Low As; Example: $6.00 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Mortgage - Adjustable Rate	5.25%	-	6.21%	1 Year ARM
Details As Low As; Example: $5.52 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%

Alcoa Tenn Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
HELOC - Adjustable Rate	6.75%	-	6.75%	10 Years
Details As low as Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%

Alcoa Tenn Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto	-	-	4.99%	48 Month
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Auto	-	-	4.99%	60 Month
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Auto	-	-	4.99%	72 Month
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Auto	-	-	4.99%	84 Month
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Fresh Start Auto Loan	-	-	16.24%
No additional details. Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%

Alcoa Tenn Federal Credit Union Credit Card Rates

Product	Rate	APR	View More
Visa Credit Card	-	11.75%
Details Variable; Intro rate expires: ; Regular APR: Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%

Alcoa Tenn Federal Credit Union Personal Loan Rates

Product	APR	Term	View More
Personal Loan	9.99%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%

Alcoa Tenn Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Construction - Fixed Rate	6.25%	-	8.78%	12 Month
Details As Low As; Example: $86.18 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Land - Fixed Rate	6.70%	-	7.27%	5 Year Fixed
Details As Low As; Example Payment: $19.66 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Land - Fixed Rate	6.85%	-	7.16%	10 Year Fixed
Details As Low As; Example Payment: $11.53 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Land - Fixed Rate	7.15%	-	7.37%	15 Year Fixed
Details As Low As; Example Payment: $9.07 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Recreation Loan	-	-	4.99%	48 Months
Details As Low As; Example Payment: $23.02 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Recreation Loan	-	-	4.99%	60 Months
Details As Low As; Example Payment: $18.87 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Recreation Loan	-	-	4.99%	72 Months
Details As Low As; Example Payment: $16.10 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Recreation Loan	-	-	5.04%	84 Months
Details As Low As; Example Payment: $14.15 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Recreation Loan	-	-	5.54%	96 Months
Details As Low As; Example Payment: $12.92 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Recreation Loan	-	-	5.94%	108 Months
Details As Low As; Example Payment: $11.98 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Recreation Loan	-	-	6.34%	120 Months
Details As Low As; Example Payment: $11.27 Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%
Vacation Loan	-	-	6.99%
Details As Low As Last Updated 09/16/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.82%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Alcoa Tenn Federal Credit Union’s Texas Ratio stayed near 2.12% in Q2 2023 to 1.82% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$424M	1.82%	5.0	A+
December 31, 2025	$414M	4.17%	5.0	A+
September 30, 2025	$407M	4.56%	5.0	A+
June 30, 2025	$405M	4.37%	5.0	A+
March 31, 2025	$407M	2.30%	5.0	A+
December 31, 2024	$400M	4.55%	5.0	A+
September 30, 2024	$398M	3.47%	5.0	A+
June 30, 2024	$397M	3.37%	5.0	A+
March 31, 2024	$395M	2.29%	5.0	A+
December 31, 2023	$379M	2.75%	5.0	A+
September 30, 2023	$370M	3.46%	5.0	A+
June 30, 2023	$368M	2.12%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 77

Part-Time Employees 1

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.82%

Return on Assets (ROA)

0.4169%

Return on Equity (ROE)

3.0832%

Non-Performing Loans Ratio (NPL)

0.45%

Total Assets

424,485,382

Total Amount of Shares and Deposits

369,308,559

Total Shares and Deposits < 1 Year

368,368,046

Total Shares and Deposits 1 3 Years

940,513

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

9,432,607

Total Uninsured Shares and Deposits > $250K (F+J)

9,432,607

Total Insured Shares and Deposits > $250K (item 17 less item K)

359,875,952

Total Interest Expense (Sum of items 6 8)

928,167

Share Certificates

1,943

Number of Accounts for Share Drafts

15,282

IRA KEOGH Accounts

684

Number of Accounts for Regular Shares

25,221

All other shares

516

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)

81,127,338

Total Liabilities

368,582,946

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Alcoa Tenn Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Customer Reviews

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Frequently Asked Questions About Alcoa Tenn Federal Credit Union

How 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.