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Rates effective as of September 25th, 2020.

APY = Annual Percentage Yield. Fees may reduce earnings.

nHanced Checking Learn More

Balance Dividend Rate APY
$0.01 to $15,000.00 1.98% 2.00%
$15,000.01 or more 0.25% 2.00% to 0.48%
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 Learn More

Minimum Opening Deposit Dividend Rate APY Minimum Balance to Earn APY
$25.00 0.25% 0.25% $5,000.00 or more

Term Share Certificate Accounts Learn More

Term Minimum Opening Deposit Dividend Rate APY Minimum Balance to Earn APY
6 Month $1,000.00 0.40% 0.40% Any Balance
12 Month $1,000.00 0.65% 0.65% Any Balance
24 Month $1,000.00 0.85% 0.85% Any Balance
36 Month $1,000.00 0.95% 0.95% Any Balance
48 Month $1,000.00 1.05% 1.06% Any Balance
60 Month $1,000.00 1.15% 1.16% Any Balance

Penalties may apply for early withdrawal.  All rates, programs, terms and conditions are subject to change without notice. Information from consumer reporting agencies may be used in determining eligibility for deposit accounts. Reduced $300 minimum deposit to open a Term Share Certificate for youth accounts (Savasaurus, Generation Next & Synced only).

Individual Retirement Accounts (IRAs) Learn More

Type Minimum Opening Deposit Dividend Rate APY Minimum Balance To Earn APY
Variable Rate IRA $5.00 0.15% 0.15% $5.00
12 Month IRA Share Certificate $1000.00 0.65% 0.65% Any Balance
36 Month IRA Share Certificate $1000.00 0.95% 0.95% Any Balance
60 Month IRA Share Certificate $1000.00 1.15% 1.16% Any Balance

Money Market Account Learn More

Minimum Opening Deposit Dividend Rate APY Minimum Balance to Earn APY
$1000.00 0.25% 0.25% $1,000.00 - $9,999.99
$1000.00 0.35% 0.35% $10,000 - $19,999.99
$1000.00 0.45% 0.45% $20,000.00 or more

Club Accounts Learn More

Account Minimum Opening Deposit Dividend Rate APY Minimum Balance to Earn APY
Special Club $5.00 0.10% 0.10% $5.00

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.

Auto Loan Special (2016 - 2020) Learn More

APR1 As Low As Terms2 Repayment Amounts
Per Month Based on $1000 Borrowed
1.94% Up to 36 Months $28.62
1.94% Up to 48 Months $21.67
2.45% Up to 60 Months $17.73
2.95% Up to 72 Months $15.17
4.20% Up to 84 Months $13.76

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.

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

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 2016 - 2020. Estimated monthly repayment amount of $21.67 per $1,000.00 borrowed at 48 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. For more information, see an ATCU loan officer. Federally insured by NCUA. ATCU NMLS# 402558

Auto Loans (2012 - 2015) Learn More

APR1 As Low As Terms2 Repayment Amounts
Per Month Based on $1000 Borrowed
2.95% Up to 48 Months $22.11
3.20% Up to 60 Months $18.06

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.

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

Auto Loans (2010 - 2011) Learn More

APR1 As Low As Terms2 Repayment Amounts
Per Month Based on $1000 Borrowed
4.75% Up to 24 Months $43.76
5.25% Up to 36 Months $30.09
5.75% Up to 48 Months $23.37

1 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.

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

Auto Loans (2005 - 2009) Learn More

APR1 As Low As Terms2 Repayment Amounts
Per Month Based on $1000 Borrowed
6.25% up to 24 months $44.43
6.75% Up to 36 Months $30.76
7.25% Up to 48 Months $24.06

1 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.

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

Recreational Vehicle Loan Special (2005 - 2020) Learn More

Loan Type APR1 As Low As Terms2 Repayment Amounts
Per Month Based on $1000 Borrowed
Boats, Campers, Tractors, ATVs, Motorcycles, Jet Skis, Mowers, Golf Carts 3.75% Up to 36 Months $29.41
Boats, Campers, Tractors, ATVs, Motorcycles, Jet Skis, Mowers, Golf Carts 3.75% Up to 48 Months $22.47
Boats, Campers, Tractors, ATVs, Motorcycles, Jet Skis, Mowers, Golf Carts 3.75% Up to 60 Months $18.30

*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 2005 - 2020. Estimated monthly repayment amount of $18.30 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. For more information, see an ATCU loan officer. Federally insured by NCUA. ATCU NMLS# 402558

Recreational Vehicle Loan Special (2016 - 2020) Learn More

Loan Type APR1 As Low As Terms2 Repayment Amounts
Per Month Based on $1000 Borrowed
New Boats/Campers 6.00% Up to 144 Months $9.76
New Boats/Campers/Tractors/Motorcycles 4.50% Up to 84 Months $13.90

*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 2005 - 2020. Estimated monthly repayment amount of $18.30 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. For more information, see an ATCU loan officer. Federally insured by NCUA. ATCU NMLS# 402558

New and Used Motor Homes

APR1 As Low As Terms2 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

1 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.

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

Loans

Loan Type

APR1
As Low As

Terms2 Repayment Amounts
Per Month Based on $1000 Borrowed
New Boats/ Campers over $25,000
(2016-2020)
6.00% 144 months $9.76
New Boats/ Campers/ Tractors/ Motorcycles
(2016-2020)
5.25% 84 months $14.25
New Boats, Campers, Tractors, ATVs, Motorcycles, Jet Skis, Mowers, Golf Carts(2005-2020) 4.75% Up to 60 Months $18.76
Used Boats, Campers, Tractors, Mowers (2005-2020) 4.50% Up to 48 Months $22.80
Used ATVs, Motorcycles, Jet Skis (2005-2020) 4.25% Up to 36 Months $29.64
Share Secured3 2.25% Up to 36 Months $28.76
Share Certificate Secured4 2.00% Over Share Certificate Rate Up to 60 Months $18.37
Single Pay N/A Contact Credit Union N/A
Overdraft Contact Credit Union Up to 48 Months N/A
Visa® Platinum 9.90% For limits $5,000 and below N/A
Visa® Signature 9.90% For limits above $5,000 N/A

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.

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

3 36 month loan may be refinanced at end of term. Payments must cover interest. Repayment amount based upon 60 month share certificate rate with 60 month repayment period.

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

The Great Loan Giveaway

APR* As Low As Term Repayment Amounts
Per Month Based on $1000 Borrowed
3.49% 24 months $43.20

*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 atcu.com 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

Personal Loans Learn More

APR1 As Low As Terms2 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.

Mortgage Learn More

ATCU offers a wide variety of fixed and variable interest rate mortgage loan options with repayment terms suited to meet your needs. Contact us for more information.

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