Consumer and Real Estate Loans
Whether you need financing for an auto, a home - or just a loan to get you past a rough spot in your budget.
Alabama Teachers Credit Union is the most economical place to borrow. Here are some of the types of loans available to qualified members:

New and Used Auto Loans
If you're in the market for a new or used car, come to us for the most competitive financing available.
We offer the lowest rates and terms and we may pre-approve your loan before you shop.
Pre-approving your loan will allow you to deal with dealerships as if you were paying cash for the auto you've selected - that's increased bargaining power for you!

Share Secured Loans
This loan is 100 percent secured - the money in your savings account is used as collateral for your loan.

Signature Loans
Whether you plan to buy a computer, pay for home decorations or finance your vacation, a signature loan may be right for you. Signature loans are available for practically any reason.
Our low rates and simple interest will help meet your financial needs.

Credit Disability & Credit Life Insurance
Qualified borrowers are eligible to purchase credit life insurance and credit disability insurance at low, group rates. Adding either or both of these insurance  to your credit union loan can offer peace of mind ... especially when loss of income occurs due to extended illness or death of the borrower. Our high-value insurance coverages are offered through CUNA Mutual Group, the largest provider of credit insurance in the world.

Click here to download and print an application loan application (PDF), upon completion mail or fax back to ATCU. Click here for our current loan rates.

Real Estate Loans
Alabama Teachers Credit Union offers its members several types of real estate loans. Choose one of our loans and you'll save money with our low rates and simple interest.

Home Equity Loans
Do you need money for your child's education, want to make an investment, or are you planning a vacation?
If so, a low-cost home equity loan is for you. The rates for home equity loans are usually lower than other loans because they are secured by the equity you have accumulated in your home. In addition, your interest on this loan may be tax deductible. Consult a tax advisor regarding the deductibility of interest.
To put the equity in your home to work for you, take advantage of our competitive interest rates and modest closing costs on a home equity loan. Click here to contact an Alabama Teachers loan officer.

First and Second Mortgages
Alabama Teachers Credit Union offers a variety of real estate loans to help you purchase a new home or refinance your existing home. Today's low interest rates are the reason you should talk to us today about a real estate loan.

We feature fixed- and variable-rate loans with different terms... low closing costs ... and many special features you'll enjoy. You will save money with a competitive credit union real estate loan, and our expert staff will assist you throughout the process to ensure your loan closes as soon as possible.

Click here to arrange an appointment, at your convenience, to discuss your real estate financing needs.