Auto and Recreational Vehicle Loans

Auto and Recreational Vehicle Loans

Vehicles, motorcycles, boats, motor homes, campers, tractors, ATVs, jet skis, riding mowers, and even golf carts… Alabama Teachers can get you where you need to go with competitive financing and loan terms to fit almost any budget. Get a competitively low rate, whether you're shopping new or used, and get pre-approved on your new or used vehicle loan and drive away stress free.

  • 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.


How does 3 months without a payment sound?

Sounds like music to our ears! Act now.

Open a new auto loan or refinance one from another financial institution November 15th through December 31st to join in on the savings.

The holidays are right around the corner.

What could you do with three months of cash?

The time is right to defer your payments.

Don't wait, apply today.

Must meet membership and credit requirements. Existing ATCU loans are not eligible. Programs, rates, terms and conditions are subject to change without notice. Interest begins to accrue on the date of origination regardless of the date the first payment is due, which may result in negative amortization. Other restrictions may apply. Contact an ATCU loan officer for more details. Offer good through December 31, 2015.