|
iAdvertiser Disclosure
Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
 Alcoa Tenn Federal Credit Union Rates & Review October 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.
Read Full Bio →
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: October 12, 2026
Alcoa Tenn Federal Credit Union's top rates as of October 12, 2026 are 4.00% APY on its 15 Month CD, 0.15% APY on savings, 0.05% APY on checking, 5.00% on its Fixed Rate mortgage, and personal loans from 9.99% APR, according to rates verified by MonitorBankRates. Other Alcoa Tenn Federal Credit Union CD rates include IRA 15 Month Special CD at 4.00%, 11 Month CD at 3.50%, and 7 Month CD at 3.50%. Other Alcoa Tenn Federal Credit Union mortgage rates include Mortgage - Fixed Rate at 5.25%, Mortgage - Fixed Rate at 5.50%, and Mortgage - Adjustable Rate at 5.55%. 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 4.23%. Rates last updated and verified on 10/12/2026. 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  Customer Reviews
Be the first to review
Write a Review
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Alcoa Tenn Federal Credit Union CD Rates
Alcoa Tenn Federal Credit Union Savings Rates
Alcoa Tenn Federal Credit Union Business Savings Rates
Alcoa Tenn Federal Credit Union Checking Rates
Alcoa Tenn Federal Credit Union Business 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
Alcoa Tenn Federal Credit Union Other Rates
Financial Health HistoryAlcoa Tenn Federal Credit Union’s Texas Ratio rose from 3.46% in Q3 2023 to 4.23% in Q2 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
Powered by
MonitorBankRates
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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
83
Part-Time Employees
3
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
4.23%
Return on Assets (ROA)
0.8442%
Return on Equity (ROE)
6.0834%
Non-Performing Loans Ratio (NPL)
1.05%
Total Assets
426,860,223
Total Amount of Shares and Deposits
367,388,426
Total Shares and Deposits < 1 Year
366,381,507
Total Shares and Deposits 1 3 Years
1,006,919
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
8,830,212
Total Uninsured Shares and Deposits > $250K (F+J)
8,830,212
Total Insured Shares and Deposits > $250K (item 17 less item K)
358,558,214
Total Interest Expense (Sum of items 6 8)
1,826,971
Share Certificates
1,892
Number of Accounts for Share Drafts
15,346
IRA KEOGH Accounts
661
Number of Accounts for Regular Shares
25,298
All other shares
517
Money Market Shares
576
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)
69,367,767
Total Liabilities
369,598,944
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Alcoa Tenn Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
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.
Compare to Other Credit Unions
Credit Union of The Rockies
First Credit Union
Victoria Federal Credit Union
Worcester Police Department Federal Credit Union
Federated Employees Credit Union
CATHOLIC FAMILY
Chiropractic Federal Credit Union
University of Toledo Federal Credit Union
TruChoice Federal Credit Union
Financial Resources Federal Credit Union
Eastern Panhandle Federal Credit Union
Lovers Lane Credit Union
Noble Federal Credit Union
The Andovers Federal Credit Union
Elliott Community Federal Credit Union
Westacres Credit Union
ACU Athol Credit Union
SUNSET SCIENCE PARK
Aim Credit Union
USNE PENITENTIARY EMPLOYEES
Advancial Federal Credit Union
|
||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Rate Assistant
MonitorBankRates.com · Live Data
Try asking