ALEC Promotional Rates

Ring in the new year with savings by transferring your high-interest balances to your ALEC Visa credit card.¹ Plus, there’s no balance transfer fee, so your savings begin immediately!

Transfer your high-interest debt to a low 3.99% APR^*
Pay NO balance transfer fee
Enjoy this low rate for 12 months

To start transferring your balances, stop by any ALEC Branch or give us a call at 800.762.9988.

1. The promotional rate is valid on balance transfers made January 1st, 2026 through February 28th, 2026. Remaining promotional balances after the 12 month promotional period will revert to the following: for fixed cards, the standard fixed rate based on the cardholder’s creditworthiness at account opening; for variable rate cards, rates are determined by adding a margin to the Prime Rate. Prime Rate is “prime” as listed in the “Money Rates” section of The Wall Street Journal from the last business day of the previous quarter. Standard variable rate is between 11.45% and 22.45% APR. Promotional rate is not valid on accounts with a current introductory offer. Balances on current ALEC Visa cards or loans are not eligible to be transferred to a new ALEC Visa account and receive the promotional rate. All loans are subject to credit approval. Minimum balance transfer amount of $25.00.

our accelerator certificate is back

Line up a rate increase every six months.

We’re offering the 24-Month Accelerator Certificate as a savings certificate, HSA, or IRA – all with as little as a $500 deposit.

The ALEC Accelerator Certificate is available for a limited time through March 31, 2026. Open yours today by stopping by any ALEC Branch or by calling us at 800.762.9988.

* APY = Annual Percentage Yield. The blended APY is 3.63%. The APY is the rate that is earned if the funds are left to compound for 365 days. All dividends are paid monthly based on the average daily balance. This promotion may end or change at any time. The minimum balance required to open this Account is $500. The penalty imposed will equal 180 days of dividends, if outside the 10 day grace period at each six month interval.

Trust ALEC to lend a hand and make the process of obtaining a new car loan as easy 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 months¹
Rates as low as 4.74% 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.
1. Advertised rate valid on New Auto Loans up to 48 months applied for beginning January 1st and closed by January 31st.
2.Advertised rate valid on Used Auto Loans up to 72 months applied for beginning January 1st and closed by January 31st.
3. 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

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, 2025 – March 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