Welcome, FSG Bank customers in McMinn, Monroe and Loudon counties. Click here for customer information about the AFCB acquisition of four FSG branches

Why Athens Federal Community Bank?

We've been managed by local residents who have your best interest in mind since 1934. We are committed to developing lifelong financial relationships and offering our customers the most exceptional banking experience possible. Athens Federal thrives only when our customers do the same.

As a community bank, we lend locally where our depositors live and work, keeping our community vibrant and growing. We are deeply involved and dedicated to making our area a better place for all residents, and we donate service hours and dollars to support local causes and charitable organizations every year.

Instead of being headquartered hundreds of miles away, Athens Federal employees make decisions locally and are always accessible to customers on site.

Choose Athens Federal and feel good about keeping your money where it belongs—in the community you call home.

Today's Rates


TYPE APR
New Auto As Low As 1.99%
Used Auto As Low As 3.24%

Conventional

30-Year Fixed Rate

RATE APR POINTS
3.500% 3.649% 0.000%

15-Year Fixed Rate

RATE APR POINTS
2.750% 3.013% 0.000%

Government

VA 30-Year Fixed Rate

RATE APR POINTS
3.750% 4.017% 0.000%
Rates Updated Daily

Subject to credit approval. Other restrictions may apply, including credit score minimum of 750, term limited to 1-36 months and vehicle model year and LTV restrictions. For comparison purposes, a consumer who finances $20,000 after a 10% down payment of $2,000 at a term of 36 months and at an annual percentage rate (APR) of 1.99% would remit 36 payments of $522.65.

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Subject to credit approval. Other restrictions and terms may apply. For comparison purposes, a consumer who finances $20,000 after a 10% down payment of $2,000 at a term of 36 months and at an annual percentage rate (APR) of 3.24% would remit 36 payments of $532.66.

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A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. By choosing a 30 year fixed rate loan, you will have the lowest monthly payment of all the fixed rate loans we offer.

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. Choose a 15 year fixed rate loan if you're comfortable with a higher payment and you will have the benefit of substantial interest savings.

A Federal VA 30 year fixed rate mortgage allows qualified veterans to purchase a new home with no down payment. A 30 year fixed rate provides the security of a monthly payment that won't change.

Minimum of $50 to open. Interest compounded monthly. No service charge for balances of $50 and over - service charge of $10 per month for balances under $50. Accounts with no withdrawal activity for 24 months will be considered dormant and a $10 per month fee will be charged. Fees could reduce earnings on account.

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Minimum of $50 to open. Interest compounded monthly. No service charge for balances of $50 and over - service charge of $10 per month for balances under $50. Accounts with no withdrawal activity for 24 months will be considered dormant and a $10 per month fee will be charged. Vacation Club funds are only available for withdrawal in May of each year. Fees could reduce earnings on account.

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Minimum of $50 to open. Interest compounded monthly. No service charge for balances of $50 and over - service charge of $10 per month for balances under $50. Accounts with no withdrawal activity for 24 months will be considered dormant and a $10 per month fee will be charged. Christmas Club funds are only available for withdrawal in November of each year. Fees could reduce earnings on account.

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Minimum of $50 to open. Interest compounded monthly. No service charge for balances of $50 and over - service charge of $10 per month for balances under $50. Accounts with no withdrawal activity for 24 months will be considered dormant and a $10 per month fee will be charged. Super Saver accounts are available exclusively to children ages 18 yrs. and younger. Fees could reduce earnings on account.

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Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account daily. Interest begins to accrue on the day after you deposit non-cash items (for example, checks). Interest is compounded monthly and is credited monthly on the last day of your statement cycle. If you close your account, you will be credited with interest earned since the beginning of the cycle until the date you close the account. We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. You may make no more than six (6) preauthorized withdrawals, automatic or telephone transfers, checks, drafts and debit card or similar transactions from your account per month or statement cycle. The minimum balance of this account is $2,500. If the balance in the account is below $2,500 on any day, the interest rate paid on this account will revert to that of our NOW account for the period of time the daily balance is below $2,500. If the daily balance falls below $1,000, the account will be subject to the fees charged on NOW accounts.

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The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $75,000 and an estimated property value of $100,000. The property is located in  TN and is within McMinn  county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required.  The assumed credit score is 740.  The rate lock period is 30 days.
 
At a 3.500% interest rate, the APR for this loan type is 3.649%. The  payment schedule would be:
  • 359 payments of $336.78 at an interest rate of 3.500%
  • 1 payment of $338.04 at an interest rate of 3.500%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Click here for additional information.

 

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $75,000 and an estimated property value of $100,000. The property is located in  TN and is within McMinn  county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required.  The assumed credit score is 740.  The rate lock period is 30 days.

At a 3.500% interest rate, the APR for this loan type is 3.649%. The  payment schedule would be:

  • 359 payments of $336.78 at an interest rate of 3.500%
  • 1 payment of $338.04 at an interest rate of 3.500%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Click here for additional information.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $75,000 and an estimated property value of $100,000. The property is located in  TN and is within McMinn  county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required.  The assumed credit score is 740.  The rate lock period is 30 days.

At a 2.750% interest rate, the APR for this loan type is 3.013%. The  payment schedule would be:

  • 179 payments of $508.97 at an interest rate of 2.750%
  • 1 payment of $508.28 at an interest rate of 2.750%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Click here for additional information.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $75,000 and an estimated property value of $100,000. The property is located in  TN and is within McMinn  county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required.  The assumed credit score is 740.  The rate lock period is 30 days.
 
At a 2.750% interest rate, the APR for this loan type is 3.013%. The  payment schedule would be:
  • 179 payments of $508.97 at an interest rate of 2.750%
  • 1 payment of $508.28 at an interest rate of 2.750%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Click here for more information.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $103,300 and an estimated property value of $100,000. The property is located in  TN and is within McMinn  county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required.  The assumed credit score is 740.  The rate lock period is 30 days.

At a 3.750% interest rate, the APR for this loan type is 4.017%. The  payment schedule would be:

  • 359 payments of $478.40 at an interest rate of 3.750%
  • 1 payment of $477.89 at an interest rate of 3.750%

The actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Click here for more information.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $103,300 and an estimated property value of $100,000. The property is located in  TN and is within McMinn  county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required.  The assumed credit score is 740.  The rate lock period is 30 days.

At a 3.750% interest rate, the APR for this loan type is 4.017%. The  payment schedule would be:

  • 359 payments of $478.40 at an interest rate of 3.750%
  • 1 payment of $477.89 at an interest rate of 3.750%

The actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

Click here for more information.

Athens Bancshares Corporation Announces Strategic Growth Agreement to Acquire Four Branches
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