Skip to content

Want a better rate?  We've got it!

Refinance with Alabama Teachers Credit Union from July 15th - August 31st and we'll beat your current rate on your car or other consumer loan at another financial institution by 1.00% APR* and you'll make NO PAYMENTS for up to 90 days.

That's right, you can win big, just like your favorite football team! Bring your loan to ATCU and we’ll beat the rate by 1.00% APR, or our current rate, whichever is better. It doesn’t matter if you have your loan through the dealership, a bank, a credit union, or anywhere else, we will save you money.

For example, if your current loan interest rate is 7.00%, you’ll get a 6.00% rate. If your rate is 5.50%, you’ll lower it to 4.50% with ATCU. If your rate is 2.75%, you’ll drop it to 2.00%. You’ve got the idea, now do something about it!

You’ll save money, PLUS, we’ll give you a break from your loan payments. Make no payments for up to 90 days. Three months off from payments AND a discounted rate? Yes, please.

That's not all... anyone who books a consumer loan with us during the promo period will be entered for the chance to win tickets** to either the Alabama Crimson Tide OR Auburn Tiger regular season home football games for the 2022 season!

Call us, start the application process below, or stop by any office. Just tell us you want to beat your rate. We’ll set you up fast and easy, with super-friendly service.


*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 applies to closed-end non-real estate consumer loans only, and is not applicable to existing ATCU loans. Borrower(s) may defer the first payment due date up to 90 days from the date the loan is originated; however, interest will continue to accrue from origination until the date of the first payment. Programs, rates, terms, and conditions subject to change without notice. Rate discount may be limited, subject to interest rate floor
of 2.00% APR. Cannot be combined with other offers. Borrower(s) will receive their current rate less 1.00% OR the qualified loan rate reduced by any nHanced/Preferred relationship discount as applicable, whichever is less. Applicant must provide documentation of current rate. For more information, see an ATCU loan officer. Insured by NCUA. ATCU NMLS# 402558 **No purchase necessary. Purchase or signing up for any services will not increase the chances of winning. Membership not required for participation. Must be 18 years of age or older and a U.S. resident to participate. Winner will be drawn at random from all eligible automatic and manual entries, as provided in the Official Rules, received Friday, July 15, 2022 through Wednesday, August 31, 2022. Contact the Credit Union at (800)470-0704 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.


Making an impact in our community.

View Events