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You’ll be spending lots of quality time in your car. Make sure you're comfortable with flexible financing for the perfect ride.



Key Features

  • Competitive Rates
  • Free Pre-Approval
  • Quick Decisions
  • Local Processing
  • Competitive rates on new or used vehicles
  • A wide range of terms customized to your unique situation
  • Free pre-approval available for extra bargaining power at the dealership
  • Refinance your current vehicle to potentially lower your rate
  • Find peace-of-mind after your purchase with a couple of protection plans:
    • Guaranteed Asset Protection (GAP)
    • Debt protection plans
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Find the Right Ride

Visit our J.D. Power Valuation Services Page to get up-to-the-minute vehicle pricing and information.

What Now?

View our handy Borrower's Guide to determine your next steps.

Guaranteed Asset Protection (GAP) 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.

GAP 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.


Ask about available vehicle service contracts for new and 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

Five levels of protection are available: Copper Standard, Copper Premium, Silver, Gold, and Platinum. Ask your loan officer for details today.


🏀 Got Game? 🏀

You could win 2 tickets to NCAA® MARCH MADNESS®!


Receive up to 2 entries by:

🏀*Refinancing an auto loan with ATCU and receiving up to 1.00% off your current loan rate!


🏀**Opening up any checking account with Direct Deposit with ATCU!


Offer good now through March 15, 2024


Apply for an auto loan 

Apply for an nHanced Checking account

*APR=Annual Percentage Rate. Must meet membership and credit requirements to qualify. Rate may vary based on each individual borrower’s credit history and other underwriting factors. Offer only available for refinanced auto loans. Offer is 1.0% APR below borrower’s current loan rate with a floor rate of 5.5% APR. Proof of current loan rate required. Offer is not applicable to existing ATCU auto loans or commercial auto loans. Term is based on year model. Offer applicable for year models 2009 and newer. For more information, see an ATCU loan officer.

**Offer available for new ATCU checking accounts with a direct deposit. Offer is not applicable to existing ATCU checking accounts. The interest rate and the APY (Annual Percentage Yield) may change daily after account is opened based on the determination of the credit union board of directors. No minimum deposit to open. For more information, see an ATCU member service representative.

Programs, rates, terms, and conditions subject to change without notice. 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. Winners will be drawn at random from all eligible automatic and manual entries, as provided in the Official Rules, received from Thursday, February 1, 2024, through Friday, March 15, 2024. 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.

Insurance and warranty products are not products of Alabama Teachers Credit Union; and are not obligations of or guaranteed by Alabama Teachers Credit Union. Insurance or warranties may be purchased from an agent or an insurance company of the Member's choice; and Alabama Teachers Credit Union makes no representations as to the services of any provider.

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