ALEC Promotional Rates

From holiday shopping to everyday purchases, make your spending count this season!

Use your ALEC Visa® credit card in-store or online from November 1st – December 31st, and you’ll automatically be entered for a chance to win one of our $100 weekly prizes or $500 monthly prizes.*

Not a cardholder yet? Apply online today by clicking the button below, call us at 800.762.9988, or stop by any ALEC Branch.

*No purchase necessary to enter or win. Purchase does not increase your chances of winning. All new and existing ALEC Visa® cardholders will automatically receive one (1) entry into the Sweepstakes for every purchase during the promotional period. To enter without making a purchase, mail a postcard including your name, complete address, email address, and phone number to: ALEC Holiday Sweepstakes, 325 Tri-State Parkway, Gurnee, IL 60031. All entries must be postmarked by December 31st, 2026, and received by January 5th, 2027. Prizes: (4) $500 monthly prizes. (18) $100 weekly prizes. Limit one (1) prize per member during the promotional period. All federal, state, and local income or other taxes are the responsibility of the winners. Winners will have their prize deposited directly into their ALEC saving share account. Weekly random drawings will be held during the promotional period. The monthly random drawings will be held on or around December 2nd, 2026 and January 6th, 2027. Directors, employees and their immediate family are prohibited from winning. View complete disclosure and giveaway rules here.

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Don't wait for a better rate!

For a limited time, open a 20-month certificate and earn 4.50% APY*. Lock in this rate today and watch your savings grow over the next 20 months.

ALEC Special Certificate features:

Just a $500 minimum opening amount
A competitive, fixed interest rate
A 20-month term
Dividends that are paid monthly
Automatically reinvested dividends for maximum compounding
Available as a traditional certificate, IRA, HSA, and ESA

Open a certificate today by calling us at 800.762.9988 or stop by any ALEC Branch.

certificates

90 Days. No Payments.

Finance with ALEC and we'll defer your first payment until 2027¹ so you can enjoy greater financial flexibility and freedom this Fall.

ALEC Auto Loans feature:

Rates as low as 3.99% APR* on new autos up to 48 months and as low as 4.49% APR* on used autos up to 72 months²
Great rates on other terms
Better than dealer pricing on auto loan protection products
Fast approvals when you apply online
Up to 0.50% discount off our current rates³
Easy payment methods and no prepayment penalty

Apply online or through the ALEC Mobile app. You can also visit an ALEC Branch or call us 24/7 at 800.762.9988.

* APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to credit history, term and other factors. Not all applicants will qualify for our lowest rates. Rates can change daily. Advertised rate includes ALEC's 0.50% APR discount and is valid on new auto loans up to 48 months and used auto loans up to 72 months. Valid on applications received from November 1^st – November 30^th, 2026. Maximum financing up to 125% MSRP or JD Power value dependent on the age of the vehicle and credit history. Refinance of existing ALEC loans excluded.

1. The 90-day deferral of the first payment is for qualified members. Finance charges will continue to accrue during the deferral period. Payment deferral is not automatically offered and must be requested during the application process or prior to loan closing. Loans purchased with Guaranteed Asset protection (GAP) have a maximum term of 84 months and must make the first payment within 90 days. Promotion may be changed or end at any time at ALEC’s discretion.
2. Minimum loan amount is $25,000 for 72 month terms.
3. ALEC members will automatically earn a 0.50% APR discount if they are new members applying for a loan within the first 60 days of membership or if they are a returning ALEC loan member. Existing members that do not meet the above criteria earn 0.50% APR discount with a $500 monthly direct deposit into an ALEC Checking account and enrollment in E-Statements.

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Experience the freedom of an ALEC Money Market Account.

Enjoy higher dividends and flexibility with an ALEC Money Market account. Get a better rate of return than a regular savings account, without sacrificing liquidity or security.

ALEC Money Market accounts feature:

Competitive interest rates, including 3.00% APY* on balances of $100,000 or more
$2,000 minimum opening balance
Up to six withdrawals or transfers per month, including withdrawals by checks
Unlimited monthly withdrawals if made in person at any ALEC Branch or Shared Branch location

Open an account today by calling us at 800.762.9988 or stop by any ALEC Branch.

* APY = Annual Percentage Yield. The Annual Percentage Yield is the rate that is earned if the funds are left to compound
for one year. All dividends are paid monthly based on the daily average balance. Rates subject to change monthly. The nominal
rate is the rate used to calculate the monthly dividend. Advertised rate valid as of November 1^st, 2026.

money market

new member incentive

As the credit union that exists exclusively for Abbott and AbbVie employees, ALEC is all about helping you improve your financial life. How? By ensuring you and your family make the most of your time and money with financial benefits and personalized service no bank can touch.

$300 in new member incentives.^1,2
24/7 member service.
30,000+ surcharge-free ATMs nationwide.³
0% introductory APR^* on any ALEC Visa Card

Become a member today. Contact us 24/7 at 800.762.9988, visit any ALEC Branch, or click the apply button.

1. To receive the incentive, open a new ALEC membership and a checking account, establish a $500 monthly direct deposit within 90 days of account opening and sign up for E-Statements. ALEC Rewards Checking account will receive $300. ALEC Free Checking will receive $50.

2. Limit one incentive per first-time member. Offer valid on new memberships opened between January 1st, 2026 – December 31st, 2026.

3. Requirements: Up to $10 in ATM fees may be refunded if the following conditions are met and a $5 monthly fee will be charged if the following conditions are not met: Total direct deposit of $500 or more deposited into their Rewards Checking account during a calendar month, enrollment in e-statements, and either 15 signature-based ALEC debit card transactions posted and settled during a calendar month, or have a combination of 5 signature-based ALEC debit card transactions or ALEC credit card transactions posted and settled during a calendar month, and an open and active qualifying ALEC loan or credit card in good standing. Any credit union loan or credit card that is not in good standing or delinquent will not meet one of these checking requirements. Limit one ALEC Rewards Checking per member.

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Enjoy peace of mind with Digital Estate Planning from ALEC.

Having a plan for our affairs is something most people put off - understandably - but it's important to ensure your legacy is honored according to your wishes. We are pleased to introduce an online tool designed to be affordable and help individuals, as well as their families, prepare for the later chapters of life.

By working with our trusted partners at TruStage^TM , a leading provider of estate planning solutions, ALEC is able to provide access to digital estate planning tool to create legally valid documents designed and approved by estate planning attorneys. Best of all, this service is available to you for a great low price of $199.00.

Create estate planning documents like last and living wills, power
of attorney, trust documents, and directives for children and pets.
Automatically catalog assets, debts, and important documents in
a secure digital vault that can be easily accessed.
Record and track your overall financial standing, including any
inheritance allocated to your loved ones.

Take advantage of this great offer today. Contact us 24/7 at 800.762.9988, visit any ALEC Branch, or click the apply button below.

Get Started Today