Rates effective as of June 14th, 2016.

APY = Annual Percentage Yield

Fees may reduce earnings.

nHanced Checking* See Details

BalanceDividend RateAPY
$0.01 to $15,000.00 2.47% 2.50%
$15,000.01 or more 0.25% 2.50% to 0.54%
When qualifications are not met 0.10% 0.10%

Qualifications

nHanced Checking is free checking that earns rewards — and there's never a penalty if you don't meet the monthly qualifications. To earn your rewards, simply do the following transactions and activities in your checking account each Monthly Qualification Cycle:

  • Have at least twelve (12) Debit Card purchases post and settle.
  • Have at least one (1) direct deposit, automatic payment (ACH), or Bill Pay transaction post and settle.
  • Be enrolled and receive e-Statement notice.

Regular Share Savings See Details

Minimum Opening AmountMinimum Balance to EarnDividend RateAPY
$25.00 $5,000.01 or more 0.25% 0.25%

Term Share Certificate Accounts See Details

TermMinimum Opening AmountDividend RateAPY
6 Month $1,000.00 0.35% 0.35%
12 Month $1,000.00 0.55% 0.55%
24 Month $1,000.00 0.85% 0.85%
36 Month $1,000.00 1.15% 1.16%
48 Month $1,000.00 1.30% 1.31%
60 Month $1,000.00 1.70% 1.71%

Reduced $300 minimum deposit to open a share certificate for youth accounts (Savasaurus, Generation Next & Synced only).

Penalties may apply for early withdrawal.

Individual Retirement Accounts (IRAs) See Details

TypeMinimum Amount to OpenMinimum Amount to EarnDividend RateAPY
Variable Rate IRA $5.00 $5.00 0.15% 0.15%
12 Month IRA Share Certificate $1000.00 $1000.00 0.55% 0.55%
36 Month IRA Share Certificate $1000.00 $1000.00 1.15% 1.16%
60 Month IRA Share Certificate $1000.00 $1000.00 1.70% 1.71%

Money Market Account See Details

Minimum Opening AmountMinimum Amount to EarnDividend RateAPY
$1000.00 $1,000 - $9,999 0.10% 0.10%
$1000.00 $9,999.01 - $19,999 0.25% 0.25%
$1000.00 $19,999.01 or more 0.35% 0.35%

Club Accounts See Details

AccountMinimum Opening AmountMinimum Amount to EarnDividend RateAPY
Christmas Club $5.00 $5.00 0.10% 0.10%
Vacation Club $5.00 $5.00 0.10% 0.10%
Special Club $5.00 $5.00 0.10% 0.10%

These rates may change without notice. Fees could reduce the earnings on the account (applies if fees are associated with the account). A penalty will or may be imposed for early withdrawal on Share Certificates and IRAs.

To obtain current rates, contact Alabama Teachers Credit Union.

Click to view complete account details or to obtain our Member Account Agreement & Disclosures.

Autos 2012 - 2016 See Details

Annual Percentage Rate†
As Low As
Terms^Repayment Amounts
Per Month Based on $1000 Borrowed
1.74% Up to 36 Months $28.53
1.74% Up to 48 Months $21.59
2.25% Up to 60 Months $17.64
2.75% Up to 72 Months $15.09
4.00% Up to 84 Months $13.67

Autos 2008 - 2011 See Details

Annual Percentage Rate†
As Low As
Terms^Repayment Amounts
Per Month Based on $1000 Borrowed
2.75% Up to 48 Months $22.03
3.00% Up to 60 Months $17.97

Autos 2006 - 2007 See Details

Annual Percentage Rate†
As Low As
Terms^Repayment Amounts
Per Month Based on $1000 Borrowed
4.00% Up to 24 Months $43.43
4.50% Up to 36 Months $29.75
5.00% Up to 48 Months $23.03

Autos 2001 - 2005 See Details

Annual Percentage Rate†
As Low As
Terms^Repayment Amounts
Per Month Based on $1000 Borrowed
5.50% up to 24 months $44.10
6.00% Up to 36 Months $30.42
6.50% Up to 48 Months $23.71

New and Used Motor Homes

Annual Percentage Rate†
As Low As
Terms^Repayment Amounts
Per Month Based on $1000 Borrowed
8.50% Up to 84 Months - New $15.84
7.50% Up to 72 Months - New $17.30
8.50% Up to 60 Months - Used $20.52
7.50% Up to 48 Months - Used $24.18

Mobile Homes

Annual Percentage Rate†
As Low As
Terms^Repayment Amounts
Per Month Based on $1000 Borrowed
13.50% Up to 84 Months $18.46
13.00% Up to 72 Months $20.07
12.25% Up to 60 Months $22.37
12.00% Up to 48 Months $26.33

Loans

Loan Type

Annual Percentage Rate†
As Low As

Terms^Repayment Amounts
Per Month Based on $1000 Borrowed
New Boats/ Campers over $25,000
(2012-2016)
6.00% 120 months $9.76
New Boats/ Campers/ Tractors/ Motorcycles
(2012-2016)
5.25% 84 months $14.25
New Boats, Campers, Tractors, ATVs, Motorcycles, Jet Skis, Mowers, Golf Carts † 4.75% Up to 60 Months $18.76
Used Boats, Campers, Tractors, Mowers 4.50% Up to 48 Months $22.80
Used ATVs, Motorcycles, Jet Skis 4.25% Up to 36 Months $29.64
Share Secured 4.00% Over Share Rate Up to 36 Months

36 month loan may be refinanced at end of term. Payments must cover interest.

$29.66
Share Certificate Secured 2.00% Over Share Certificate Rate Up to 60 Months

Loan must mature when share certificate matures. Monthly payments must cover the interest period.

$18.37 **
Single Pay Contact Credit Union
Overdraft Contact Credit Union Up to 48 Months
Visa® Share Secured 10.00% Must Sign Special Agreement
Visa® Platinum 11.90% Credit Amounts Ranging from $100 - $2,999
Visa® Platinum Plus 10.90% Minimum Credit Limit of $3000
Visa® Platinum Premier 9.90% Minimum Credit Limit of $7500
Visa® Synced

Only for Synced members ages 16-18 with qualified guarantor.

1.00% Up to $200. Introductory APR for at least six (6) months or until the member turns 19, whichever is later. After that, the APR will convert to Standard Rate of between 9.90% - 11.90%.

Personal Loans See Details

Annual Percentage Rate†
As Low As
Terms^Repayment Amounts
Per Month Based on $1000 Borrowed
7.75% Up to 12 Months $86.86
8.75% Up to 24 Months $45.57
9.75% Up to 36 Months $32.15
10.75% Up to 48 Months $25.73
11.75% Up to 60 Months $22.12

† The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. The rate may vary depending on each individual's credit history and underwriting factors. For more information, please contact Alabama Teachers Credit Union at 1.800.470.0704. All rates, programs, terms and conditions are subject to change without notice.

^ Conditions apply, and terms may be limited by loan amount, credit history and other factors. Not all collateral items qualify for terms shown.

** Repayment amount based upon 60 month share certificate rate with 60 month repayment period.

Mortgage

ATCU offers a wide variety of fixed and variable interest rate mortgage loan options with repayment terms suited to meet your needs. Get a customized rate quote using our Check Rates Generator or contact us for more information.