ALEC Promotional Rates
It’s your loan, we make it personal.
Whatever your plans are, an ALEC personal loan is a great option for the cash you need. Maybe you would like to take the vacation of a lifetime, start some home improvements, pay off high-interest debt, or make a special purchase. A special rate personal loan from ALEC is the answer.
- Rates starting as low as 6.99% APR*
- Loan amounts up to $100,000
- Flexible terms for affordable monthly payments
- No collateral required
Special rate available September 1st — October 31st, 2023. We make it easy to apply for your personal loan online, on the ALEC Mobile App, in person at any ALEC Service Center, or by calling 800.762.9988.
bring your money to ALEC and lock in a great rate.
An ALEC 15-Month Special Certificate features:
- A guaranteed fixed rate of 5.25% APY* for 15 months.
- A low $500 minimum to open the account. Money must be new to ALEC.**
- Available as a traditional certificate, Individual Retirement Account (IRA) or Health Savings Account (HSA).
- Automatically reinvested dividends for maximum compounding.
Have peace of mind knowing all ALEC Certificates are insured by American Share Insurance (ASI) up to $250,000 per account.
Open an ALEC 15-Month Certificate today by calling us 24/7 at 800.762.9988 or visiting any ALEC Service Center. But hurry! This is a limited time offer.
get MORE from your savings with ALEC.
At ALEC, our mission is to improve your financial well-being. One of the ways we do this is by offering you some of the most competitive deposit rates in the area. When you move your savings to ALEC, you can earn up to 2.5x the national average in dividends.
See how your savings adds up at ALEC:

Bring your savings to ALEC and start enjoying higher dividends today. Open your deposit account online, by visiting any ALEC Service Center or calling 800.762.9988.
Ready to see how much more you can save when you bring your money to ALEC? Visit our Membership Advantage calculator to explore the annual savings you can earn with us!
variable rate certificates
ALEC Variable Rate Certificates offer highly competitive rates, currently at 4.90% APY* and vary on a monthly basis with the 13-week U.S. Treasury Bill (Index + 0.15%)**. Variable rate certificates can benefit from rising interest rates, even if there’s a chance that rates could also go down. But compared to traditional savings and money market accounts, ALEC Variable Rate Certificates typically offer a higher rate of return.
ALEC Variable Rate Certificates feature:
- $500 minimum to open the account
- Available as a traditional certificate, IRA or HSA
- Term of 24 months
- Dividends tied to the U.S. Treasury Bill paid monthly
- Automatically reinvested dividends for maximum compounding