--- title: "Alcoa Municipal Employees Credit Union Rates: CDs to 4.00%" description: "Alcoa Municipal Employees Credit Union rates today: savings & CDs up to 4.00% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join Alcoa Municipal Employees Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/tennessee/alcoa-municipal-employees" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Alcoa Municipal Employees Credit Union Rates: CDs to 4.00% ### Mortgage rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Mortgage - Adjustable Rate 3** arm | — APR | 5.250% | — | Standard | | **Mortgage - Fixed** other | — APR | 5.000% | — | Standard | Alcoa Municipal Employees Credit Union mortgage rates as of November 11, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **36-Month Auto Loan** auto_any_36mo | — APR | 4.790% | 36 mo | Standard | | **48-Month Auto Loan** auto_any_48mo | — APR | 4.990% | 48 mo | Standard | Alcoa Municipal Employees Credit Union auto & vehicle rates as of November 11, 2026 ### Credit card rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Share Secured Visa Credit Card** credit_card_secured | — APR | 8.750% | — | Standard | | **Credit Card** credit_card | — APR | 11.750% | — | Standard | Alcoa Municipal Employees Credit Union credit card rates as of November 11, 2026 ### Savings & CD rates 10 offers | Product | Published | Rate | Term / condition | Status | | **3-Month Certificate** share_certificate_3mo | 0.25% APY | 0.25% | 3 mo | Standard | | **6-Month Certificate** share_certificate_6mo | 1.50% APY | 1.49% | 6 mo | Standard | | **12-Month Certificate** share_certificate_12mo | 1.50% APY | 1.49% | 12 mo | Standard | | **24-Month Certificate** share_certificate_24mo | 1.75% APY | 1.74% | 24 mo | Standard | | **18-Month Certificate** share_certificate_18mo | 1.75% APY | 1.74% | 18 mo | Standard | | **36-Month Certificate** share_certificate_36mo | 2.00% APY | 1.98% | 36 mo | Standard | | **30-Month Certificate** share_certificate_30mo | 2.00% APY | 1.98% | 30 mo | Standard | | **11-Month Certificate** cd_11mo | 3.50% APY | 3.44% | 11 mo | Standard | | **7-Month Certificate** cd_7mo | 3.50% APY | 3.44% | 7 mo | Standard | | **15-Month Certificate** cd_15mo | 4.00% APY | 3.92% | 15 mo | Standard | Alcoa Municipal Employees Credit Union savings & cd rates as of November 11, 2026 Savings and certificate yields up to 4.00% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/tennessee/alcoa-municipal-employees) , verified from [Alcoa Municipal Employees Credit Union's official website](https://www.atfcu.com/) Loading branch locator… ## About Alcoa Municipal Employees Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 866 Assets $4.4M Founded 1971 Locations reported 1 NCUA charter 20513 Charter type Federal credit union Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**U. T.** UT Federal Credit Union - Springbrook Farm Branch · Alcoa · TN · 37701-3000 Branch in the same ZIP](https://rateapi.dev/credit-unions/tennessee/u-t) [**Ornl** Alcoa · Alcoa · TN · 37701 About 1.4 miles away](https://rateapi.dev/credit-unions/tennessee/ornl) [**Knoxville Tva Employees** Alcoa · Alcoa · TN · 37701-1852 About 1.7 miles away](https://rateapi.dev/credit-unions/tennessee/knoxville-tva-employees) [**Alcoa Tenn** ATFCU-Main Office · Alcoa · TN · 37701-2648 About 1.9 miles away](https://rateapi.dev/credit-unions/tennessee/alcoa-tenn) [**Y-12** Y-12 FCU Eagleton Branch · Maryville · TN · 37804-2560 About 2.5 miles away](https://rateapi.dev/credit-unions/tennessee/y-12) [**Enrichment** NORTHSHORE BRANCH · KNOXVILLE · TN · 37922 About 6.6 miles away](https://rateapi.dev/credit-unions/tennessee/enrichment) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Alcoa Municipal Employees Credit Union Membership eligibility from Alcoa Municipal Employees Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Alcoa Municipal Employees Credit Union's website. Check the membership page below to confirm whether you qualify. Verified from [Alcoa Municipal Employees Credit Union's membership page](https://www.atfcu.com/) . Final membership determination is always made by the credit union. ## Work at Alcoa Municipal Employees Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Alcoa Municipal Employees Credit Union ranks against Tennessee peers. - See which AI assistants fetched Alcoa Municipal Employees Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Tennessee - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=alcoa-municipal-employees&state=tennessee&code=TN&name=Alcoa%20Municipal%20Employees%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Alcoa Municipal Employees Credit Union offer? Alcoa Municipal Employees Credit Union currently offers mortgage, Auto loan, and credit card rates. The rates shown on this page were last verified November 11, 2026 directly from the credit union's official website. ### How often are Alcoa Municipal Employees Credit Union rates updated? RateAPI verifies Alcoa Municipal Employees Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 11, 2026. ### Where does RateAPI get Alcoa Municipal Employees Credit Union's rate data? Rate data is collected directly from Alcoa Municipal Employees Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Alcoa Municipal Employees Credit Union's best CD rate? As of November 11, 2026, Alcoa Municipal Employees Credit Union offers savings and certificate (CD) yields up to 4.00% APY. ### Who can join Alcoa Municipal Employees Credit Union? Alcoa Municipal Employees Credit Union publishes its membership criteria on its own website. ## Related Rate Data Compare Alcoa Municipal Employees Credit Union's rates against national credit-union benchmarks. [More Tennessee credit unions](https://rateapi.dev/credit-unions/tennessee) [Tennessee mortgage rate leaders](https://rateapi.dev/mortgage-rates/tennessee) [Tennessee auto loan rate leaders](https://rateapi.dev/auto-loan-rates/tennessee) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.atfcu.com/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Alcoa Municipal Employees Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Tennessee credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Alcoa Municipal Employees Credit Union curl "https://api.rateapi.dev/credit-unions/tennessee /alcoa-municipal-employees " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Alcoa Municipal Employees Credit Union locations Search, filter, and browse all 1 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/tennessee/alcoa-municipal-employees Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp