Alabama Credit Union - Rates

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Convenient. Fast. Personal.

Our new Loanliner® PLUS open-end lending system gives you greater convenience and opportunity for discounts on new loans. Call (205) 348-5944 or (888) 817-2002 to ask about upgrading your lending plan to the new Loanliner PLUS.

The Annual Percentage Rate (APR) you receive will be based on your credit worthiness. Please ask us about your qualifying rate. Unless disclosed otherwise, these rates are associated with Alabama Credit Union's Loanliner^® PLUS Open-End Lending Plan.

LOAN TYPE	ANNUAL PERCENTAGE RATE* as low as:	Terms
Autos Up to 7 years old Apply now. Classic Autos Apply now. Autos 8 - 10 years old Apply now.	4.25%	Autos: Up to 36 months; up to 110% of NADA Retail Value. Classic autos: not to exceed 100% of NADA Classic Auto Guide.
	4.75%	Up to 48 months; up to 115% of NADA Retail Value.
	5.25%	Up to 60 months; up to 115% of NADA Retail Value.
	5.75%	Up to 72 months; up to 115% of NADA Retail Value.
	7.50%	Autos: Up to 36 months; up to 100% of NADA Retail Value.
Recreational Vehicles (includes motor homes), up to 7 years old. Apply now. Boats (larger than 25 feet), up to 7 years old. Apply now. Farm Equipment, up to 10 years old. Apply now.	6.25%	Up to 36 months financing
	6.75%	Up to 48 months
	7.00%	Up to 60 months
	7.25%	Up to 72 months (terms beyond 60 months available for boats larger than 25 feet and motor homes valued at more than $35,000)
	7.50%	Up to 96 months
	7.75%	Up to 120 months
Recreational Vehicles (includes motor homes), 8 - 10 years old. Apply now.	8.5%	Up to 36 months financing
	9.0%	Up to 48 months
	9.25%	Up to 60 months
Mini Recreational Vehicles (includes motorcycles, all-terain vehicles ("three/four-wheelers"), personal watercraft up to 3 years old Apply now. Motorcycles and boats (less than 25 feet), up to 7 years old. Apply now.	7.50%	Up to 36 months
	7.75%	Up to 48 months
	8.00%	Up to 60 months
	8.25%	Up to 72 months
Personal Property (includes new appliances, new electronics, new furniture, new lawn equipment, and new or used musical instruments). Apply now.	11.00%	Up to 36 months
Loans Secured By ACU Shares (Savings). Apply now.	4.00%	Payment due at end of quarter; 2.0 percentage points above what Regular Savings or Daily Money Market Account is earning, rounded up to next .25 %. Financing up to 90% of savings account balance.
Loans Secured By ACU Certificate(s) of Deposit Apply now.	4.00%	Payment due at certificate maturity date; rate of Certificate plus 2.0 percentage points, rounded up to next .25 %. Financing up to 90% of CD balance.
Line of Credit, Overdraft Protection and All Other Advances. Apply now.	12.00%	Financing up to 36 months; variable rate subject to change quarterly, determined on the first day of each quarter (January, April, July or October) based on the prior quarter's average of the 91-Day U.S. Treasury Bill Auction Rate ("Index"), rounded to .25%, plus 7.00 - 15.00 percentage points. Any increase in APR will result in more payments of the same amount.
Education Loans	8.00%	Up to 36 months
	10.00%	Up to 60 months

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Your savings are additionally insured to $250,000 by Excess Share Insurance. To estimate your National Credit Union Share Insurance Fund coverage, use this insurance estimator or download NCUA's Your Insured Funds brochure. Alabama Credit Union does business in accordance with the Equal Credit Opportunity Act and the Federal Fair Housing Law. We are an Equal Housing Lender. Rates expressed as Annual Percentage Rate or Annual Percentage Yield; all rates and terms subject to change without notice. For complete account disclosures, ask for a copy of our Membership & Account Agreement, Reg CC (Funds Availability) and Reg E (Electronic Transfers) disclosures, Fee Schedule and Member Business Account™ Fee Schedule. Membership eligibility required. Alabama Credit Union is not responsible for content of Web sites which may be accessible via links from this site but are not operated by Alabama Credit Union, and does not represent either the third party or the member if the two enter into a transaction; privacy and security policies may differ from those practiced by Alabama Credit Union.