ALEC Promotional Rates

Don't wait for a better rate!

For a limited time, open a 20-month certificate and earn 4.25% 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 certificate, IRA, HSA, and ESA

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

Sometimes, getting a small loan can make a big difference.

Maybe you would like to take the vacation of a lifetime, finance your dream wedding, start some home improvements or need help with unexpected expenses. Whatever it may be, a special rate personal loan from ALEC is the answer.

Rates starting as low as 5.99% APR*
Loan amounts up to $100,000¹
Flexible terms for affordable monthly payments
No collateral required

Special rate available until September 30th. Apply online today by clicking the button below or through the ALEC Mobile App, give us a call at 800.762.9988, or stop by any ALEC Branch.

*APR = Annual Percentage Rate. Advertised APR is based on excellent credit history, for a term of 36 months. All loans subject to credit approval. Rates subject to credit history, term and other factors. Disclosed rate includes ALEC’s 0.50% APR discount. 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 loan member. Existing members that do not meet the above criteria earn the 0.50% APR discount with a $500 monthly direct deposit into an ALEC Checking account and enrollment in E-Statements. Refinance of existing ALEC loans excluded. Valid on applications received September 1st – September 30th, 2026.
1. Not all applicants will qualify for the maximum amount.

Apply Now

Fuel your next adventure with a new or used auto from ALEC.

When it comes to having a great car buying experience, you can trust us to lend a hand and make the process of getting a new car loan as easy as possible. Limit the hassle of going to a dealership and arrive prepared with an auto loan that features flexible terms, competitive interest rates, and rapid approval.

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 months¹
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 rates²
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.
1. Advertised rate valid on New Auto Loans up to 48 months and Used Auto Loans up to 72 months opened beginning July 1<sup>st</sup> and closed by July 31<sup>st</sup>, 2026.
2. Disclosed rate includes ALEC’s 0.50% APR discount. 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. Maximum financial up to 125% MSRP for qualified borrowers.

Apply Today

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 2.50% 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 September 1st, 2026.

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.

Apply today