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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

We have the Perfect Holiday Loan Blend brewed just for you!

  • 90 day payment deferral option
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

PLUS! A chance to win FREE COFFEE FOR A YEAR when you finance! Don't miss out!*

Apply Now

Must meet membership and credit requirements. Rate may vary based on each individual borrower’s credit history and other underwriting factors. Estimated monthly repayment amount of $45.11 per $1,000.00 borrowed for a 24 month term. Offer is not applicable to existing ATCU loans. Borrower(s) may elect to 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. 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. Winners will be drawn at random from all eligible automatic and manual entries, as provided in the Official Rules, received from Saturday, October 15, 2022 through Friday, December 23, 2022. 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.

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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