Recreational Vehicles

From huge RVs to dirt bikes, we help you with great rates and great terms! We’ll finance boats, campers, snowmobiles, and motorcycles.

Easy Line of Credit

Our Easy Line of Credit is ready when you are. Even after you pay it off, you can access it again and again. And “easy” means that you can take advances an make payments online with It’s Me 247, our online banking service.

Visa Credit Cards

No matter what your style, we’ve got a VISA credit card to suit you! Our classic card features one great rate for purchases, cash advances, and balance transfers. No annual fee and no balance transfer fee.

Our VISA gold features everything the classic does, and it’s a variable rate card. Currently, our VISA gold cardholders are enjoying a record low rate. It’s a great time to pay off your high-rate credit card with our VISA Gold.

Finally, our VISA Platinum gives you Scorecard Rewards! Whether you like to accumulate airline miles or points for gifts, the VISA Platinum lets you customize your Reward Experience. See our Visa Disclosure Here

Home Equity Line of Credit (HELOC)

The HELOC lets you draw on a line of credit for up to 60 months. It’s custom made for ongoing home improvements, or even those unexpected home repairs that can devastate your careful financial plan.


Thinking of purchasing your first home? How about refinancing your current house? Ed Ross, our partner with Neighborhood Mortgage Solutions, is the go-to guy you’re looking for! Give him a call at 616-340-3014.

Overdraft Line of Credit

Your second line of defense against overdraft fees and the aggravation of a bounced check or declined debit card.

That’s Life Loan

When life doesn’t go as planned, we get you back in the game! As long as you have been a member of ATL Federal Credit Union for at least 6 months and been on your job for 2 years, you’re approved!  Click here for the application to be completed by employer

R3 Credit Builder or Debt Demolition Loan

Repair and rebuild your credit with a guaranteed approval R3 loan. Find out more about the R3 Program today!


R3 Credit Builder Program

Do you feel like there’s never enough money? When you apply for a loan, are you worried you’ll be turned down? We want every member to be a financially confident and credit-worthy member. When you apply for a loan or debit card, we want to say “Yes!”


Have you been turned down for a loan? Are collectors calling? Do you know your credit is bad? Hold on…there is hope! As a member of ATL Federal Credit Union you have access to Accel, our free financial counseling and debt management service.

The experienced and caring counselors of Accel will meet with you and help you with a budget and a plan for getting back in control. They will explain your credit report and even help you work with your creditors.

Accel is the first phase in our R3 Program.


The second phase in our program is a guaranteed approved Credit Builder Loan.

With a plan from Accel, you’ll choose a goal that fits your budget. The loan proceeds are deposited to a special savings account. Timely payments will help strengthen your credit score, and once you’ve made all the payments, the savings account is yours!

You can continue to pay the savings, or use it for whatever purpose you designate: Christmas shopping, a vacation, even home improvements you’ve been putting off.


Phase 3 is another guaranteed approval for our Visa Prepaid Debit Card! Now you can swipe and sign your name anywhere you see the Visa logo! Load it in person or by phone. Check your balance and purchases online.

Use this debit card for internet shopping, vacations or send it with your student to college. It can be issued instantly at our office or you can request a personalized card with your name imprinted on it.

Our Visa Prepaid Debit Card is only $5 ($10 if personalized) and the first load is free. Subsequent loads are $2 for members and online access is free. Compare it to other cards and you’ll find it’s a great bargain.

Loan Rates

Loan Rates - Effective Wednesday, May 5, 2021
Loan TypeRates as low asTerms/Information
New and Used Vehicles3.490%Your best option for new and used cars.
Visa Platinum9.900%A great rate, and you earn rewards!
Visa Gold8.000%Visa gold holders enjoy a great variable rate
Personal Loan13.900%A closed-end loan for any purpose.
Holiday Loan0.000%Do your holiday shopping interest free!
Home Equity - Open End LOC5.500%Low variable rate with a 5 year draw period.
Easy Line of Credit13.900%Money when you need it.
That's Life Loan0.000%Available anytime- for anything!
Share Secured Loan2.990%Let your savings work for you.
Checking Overdraft Protection15.000%Another way to protect you against overdraft fees.
R3 Credit Builder0.000%A great option if you are looking to build credit

Apply Today!

ATL Federal Credit Union offers a variety of loans to meet your needs and wants, at great low rates!

You can apply for a loan anytime online Here

Print and email/fax PDF Version


Stop into the credit union for our loan officer to assist you in the process


Please give us a call at 616-257-4285 if you have any questions or concerns

* When you apply, you will need to submit your proof of income (Two of your most recent paystubs)

*You can email any documentation to or fax 616-249-3666

*We will do our best to contact you within 24 hours of receiving your loan application

Loan Rates

VISA Credit Limit Increase