Auto Loans

Auto Loans

Be sure and click below to see our current special promotion!

Alabama Teachers can get you where you need to go with affordable financing and flexible terms to fit almost any budget.

Whether you're shopping new or used, we can get you a competitively low rate. We even offer pre-approval to give you the upper hand at the dealership -- so you can forget financial stress and focus on the road ahead.


• Low interest rates

• Term options on both new and used vehicles

• Expedited approval process

• Get pre-approved for more bargaining power

• Local decision-making

• No prepayment fees

• No application fee

• Helpful, down-home personal service


Guaranteed Auto Protection protects individuals who finance a new or used vehicle from the financial GAP.

GAP covers the difference between the actual cash value of your vehicle and the loan/lease balance as of date of loss, less delinquent payments, late charges, accrued interest, refundable service warranty contracts and other related charges.

Guaranteed Auto Protection will also cover the actual deductible amount stated in your primary insurance policy up to $500 or $1000, depending on program limits, in the event of a covered GAP claim. Ask your loan officer for details of the GAP program offered by Alabama Teachers Credit Union.

Protection Plans

Ask about available Vehicle Service Contract for new & pre-owned vehicles.

Service contracts provide the following features and benefits:

• Nationwide protection

• Available on both new and pre-owned vehicles

• Roadside assistance reimbursement

• Rental vehicle reimbursement

• Tire protection and trip interruption for the term of your coverage

• Transferable coverage if you sell your vehicle before your contract expires

• Fully insured program

• Direct payment to repair facility

• One deductible per visit

• Increased resale value

• Licensed claims adjusters

Four levels of projection are available: Bronze, Silver, Gold, and Platinum. Ask your loan officer for details today.


Rates as low as 1.99% APR* for 60 months financing.

Offer available March 15th to May 31st.

Finance the purchase of a new or used auto, or move your existing auto loan from another lender to ATCU to take advantage of this engine-revving rate! Why wait? Through May 31st, you can defer your first payment up to 90 days AND be entered to with FREE GAS FOR YEAR!

Disclaimer *APR=Annual Percentage Rate. Must meet membership and credit requirements. Rate may vary based on each individual borrower's credit history and other underwriting factors. Offer is not applicable to existing ATCU loans. Term of up to 60 months for year models 2012-2016. Estimated repayment amount of $17.53 per $1,000.00 borrowed. Borrower(s) may elect to defer the first payment due date up to 90 days from the date of the loan. Regular payments resume 90 days after loan closing, with interest accruing from closing until date of first payment. Rates, terms, and conditions subject to change without notice. For more information, see an ATCU loan officer.

Disclaimer **No purchase necessary. Membership not required for participation. Must be 19 years of age or older to enter. Winner will be drawn at random from all eligible automatic and manual entries, as provided in the Official Rules, received Tuesday, March 15, 2016 through Tuesday, May 31, 2016. Contact the Credit Union at (800)470-0704 or (256)543-7040; write us at Alabama Teachers Credit Union, P.O. Box 1400, Gadsden, Alabama 35902; or visit our website at to obtain a complete copy of the Official Rules for this promotion. Entry in this promotion or acceptance of any prize constitutes acceptance of the Official Rules. Federally insured by NCUA.