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  Privacy Notice

For more information regarding your NCUA Share Insurance Coverage, please visit the following website links:

“Your Insured Funds”

“How Your Accounts are Insured”

 “Share Insurance Estimator”



Your savings federally insured to at least
$250,000 and backed by the full faith and
credit of the United States Government

Loan Rates
For current rates, please phone Alabama Teachers Credit Union at (256) 543-7040.
All rates expressed as Annual Percentage Rate, and subject to change without notice.
We are an Equal Opportunity Lender.
5*CLUB members get .25% rate reduction!

Please read the disclosures located at the bottom of this page.

The annual percentage rate is accurate as of

Share Secured
Term Annual Percentage Rate Repayment Amount
36 Months 4.00 OVER SHARE RATE $30.20 per $1,000 borrowed
This rate applies to 90 day share loan also - 36 month loan may be refinanced at end of term.
Payments must cover interest.
New Computer
Term Annual Percentage Rate
36 Months 8.10% $8.10 per $1,000 borrowed
Must have bill of sale with all serial numbers
CD Secured
Term Annual Percentage Rate
  2.00% OVER CD RATE $85.69 per $1,000 borrowed
Loan must mature when CD matures - Monthly payments must cover interest
90 Day
Term Type Annual Percentage Rate  
90 DAY SECURED Current rate of collateral + 1% - Other than share secured May be renewed 3 times

Interest payable on renewal
90 DAY UNSECURED 8.90%
Personal
Term Type

Annual Percentage Rate / Repayment Amount

  
12 Months¹ Closed end 8.40% $87.19 per  $1,000 borrowed Unsecured limits are determined by loan officer based on income, debt ratio, credit report, disposable income and members ability to pay.

Examples of typical payment terms:
¹12 monthly payments of $86.84 per $1,000 borrowed.
24 Months Closed end 9.40%    $45.88 per $1,000 borrowed
36 Months Closed end 10.40%  $32.47 per $1,000 borrowed
48 Months Closed end 11.40%  $26.05 per $1,000 borrowed
LOC Open end 14.40%  $30.00 per $1,000 borrowed 3% minimum monthly payment
Loan Overdraft
Term Type Annual Percentage Rate  
48 Months Open end 15.85% 3% monthly payment w/minimum of $25
VISA/MasterCard
Type Annual Percentage Rate  
SECURED 10.00% Must sign special agreement
Classic Visa & MasterCard 11.90% NO ANNUAL FEE - 25 day grace period
Visa Gold Card 10.90% Minimum Credit Limit of $3000
Visa Platinum Card 9.90% Minimum Credit Limit of $7500
Auto Loans
Year Term

Annual Percentage Rate / Repayment Amount

 100% PURCHASE PRICE

NADA Trade Value or Retail at lenders discretion

Credit union pays title fee on all refinances from elsewhere.

Program cars fall under the used auto category
2006 - 2008 60 MOS 4.95%

$18.85 per $1,000 borrowed
72 MOS 5.45%

$16.32 per $1,000 borrowed
84 MOS 5.95%

$14.59 per $1,000 borrowed
2004 - 2005 48 MOS 4.95%

$23.01 per $1,000 borrowed
2001 - 2003 24 MOS 5.95%

$44.30 per $1,000 borrowed
36 MOS 6.45%

$30.63 per $1,000 borrowed
New Boats / Campers / Tractors / ATVS / Motorcycles / Jet Skis / Mowers
Term

Annual Percentage Rate / Repayment Amount

 100% PURCHASE PRICE

NADA Trade Value
60 Months 6.50%

     $19.57 per    $1,000 borrowed
Used Boats / Campers / Tractors / Mowers
Term

Annual Percentage Rate / Repayment Amount

 NADA Trade Value
48 Months 6.75%

$23.84 per $1,000 borrowed
Used ATVS / Motorcycles / Jet Skis
Term

Annual Percentage Rate / Repayment Amount

 NADA Trade Value
36 Months 6.90%

$30.84 per $1,000 borrowed
New Motor Homes
Contact Credit Union for Rates
Used Motor Homes
Contact Credit Union for Rates
New Mobile Homes
Contact Credit Union for Rates
Used Mobile Homes
Contact Credit Union for Rates

Any minimum, fixed, transaction, activity, or similar charge that may be imposed.
Any periodic rate, expressed as an annual percentage rate, and if applicable, that the rate is variable.
Any membership or participation fees.

Must meet membership eligibility. Rates subject to credit approval.