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We believe in strengthening lives through financial partnership. Achieve your dreams and fulfill your needs with a personal loan.



Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Fund almost any dream, goal, or plan affordably
  • Competitive rates for a wide variety of personal needs1:
    • Vehicle repairs or updates
    • Family vacation
    • Personal projects or startups
    • And more
  • Repayment terms customized to fit your unique needs
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish


Rates as low as 3.49% APR for 24 months financing.

Offer good through December 31st.

*APR=Annual Percentage Rate. Must meet membership and credit requirements to obtain loan. Rate may vary based on each individual borrower’s credit history and other underwriting factors. Offer is not applicable to existing ATCU loans. Term 24 months. Estimated monthly repayment amount of $43.20 per $1,000.00 borrowed. Programs, rates, terms, and conditions subject to change without notice. The rate disclosed reflects a 0.25% discount for members with preferred and nHanced accounts. No purchase necessary to enter in giveaway. 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 from Monday, August 24, 2020 through Thursday, December 31, 2020. 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. For more information, see an ATCU loan officer. Insured by NCUA. ATCU NMLS# 402558


1In accordance with applicable laws and regulations, loan proceeds may not be used for business, commercial, agricultural, organizational, or student loan purposes (among other less common purposes).

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