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ALEC Promotional Rates

a personal loan is a great option for the cash you need.

personal lending that works
for you.

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.

A Personal Loan from ALEC features:
  • Rates starting as low as 7.99% APR* for 36 months
  • Loan amounts up to $100,000
  • Flexible terms for affordable monthly payments
  • No collateral required

Special rate available until October 31st, 2025. Apply online by clicking the button below or through the ALEC Mobile App, at any ALEC Branch or give us a call at 800.762.9988.

*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. Offer ends October 31st, 2025.
apply online
new member incentive

Up to $300 for new members.

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.

* 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. 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 – December 31st, 2025.
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

variable rate certificates

ALEC Variable Rate Certificates offer highly competitive rates, currently at  4.35% APY** and vary on a monthly basis with the 13-week U.S. Treasury Bill (Index + 0.15%).1 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 monthly1
  • Automatically reinvested dividends for maximum compounding

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

** APY = 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.
1. The “Index” is the 13-week Treasury Bill rate posted in the Money rates section of the Wall Street Journal on the last business day of the previous month. As of June 30th, the rate is 4.195%. The rate floor is 0% APY.

Explore more great rates and products!

Rates

Compare the most current rates on all the ALEC products.

Certificates

Earn a better rate of return with an ALEC Certificate of Deposit.

HELOC

Borrow what you need, when you need it, using your home’s equity to establish a flexible line of credit.

Auto Loans

Purchase a vehicle with flexible terms, fast approval, excellent service, and great low rates.

Have questions? We are here to help!

Contact Us Online

Visit a Branch

Call 800.762.9988