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Boats, campers, ATVs, golf carts, motorcycles — we offer affordable financing for whatever vehicle you hope to have fun in.


Key Features

  • Competitive Rates
  • Free Pre-Approval
  • Quick Decisions
  • Local Processing
  • Competitive rates for a wide range of recreational vehicles:
    • Motorcycles and ATVs
    • Travel trailers
    • Boats and personal watercraft
    • And more
  • 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
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

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.


Blaze new trails with a recreational vehicle loan from us!

  • Rates as low as 3.99% APR* on boats, motorcycles, campers, tractors, ATVs, jet skis, riding mowers, and golf carts
  • Up to 60 months financing
  • 90 day payment deferral option

Offer begins March 15, 2022.*

*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 is not applicable to existing ATCU loans. Promo rates for model years 2007 - 2022. Estimated monthly repayment amount of $18.41 per $1,000.00 borrowed at 60 month term. 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. The rate disclosed reflects a 0.25% discount for members with Preferred and nHanced accounts. For more information, see an ATCU loan officer. Federally insured by NCUA. ATCU NMLS# 402558


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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