ALEC Promotional Rates

Open the door to this limited-time offer!

Take advantage of this limited-time offer and secure a rate you'll feel great about, whether you have a mortgage elsewhere or you're getting ready to purchase your dream home.

ALEC Mortgages feature:

4.875% APR* on 10 and 15-year fixed rate mortgage loans¹
No prepayment penalties
Low closing costs² with no hidden fees
Fast approval when you apply online
Offer Available in all 50 states
Applications must be received by June 30^th, 2026 and close on your mortgage by July 31^st, 2026 to take advantage of this offer

Hurry! Apply today to lock in this special low rate**. Click the button below to apply online or stop in to your nearest ALEC Branch. You can also contact an experienced ALEC Mortgage Loan Officer at 800.762.9988, ext. 614.

* APR = Annual Percentage Rate. The promotional rate as low as 4.875& APR is being offered for 10 year and 15 year fixed rate mortgage loans. All loans subject to credit approval. Rates subject to credit history, term and other factors. Not all applicants will qualify for the lowest rate. No discounts available on promotional rate. New purchases are excluded, along with refinances of any current ALEC loans or credit cards.

¹Property must be owner occupied and a single family home. Borrowers are required to have homeowner’s insurance on the property.

²Applicants will be notified of total closing costs associated with the loan request.

NMLS# 421478. View a complete list of NMLS numbers here.

** This offer is available for a limited time and may end at any time at the credit union’s discretion.

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earn 3x points on travel and hotels

Get more out of summer with your ALEC Visa® credit card. Whether you’re booking a quick weekend getaway or planning a big summer adventure, your ALEC Visa® will help you get there.

From May 1^st through June 30^th, earn triple* bonus CURewards® points when you use your ALEC Visa® credit card for air travel and hotel bookings.

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

* Promotion is available to all new and existing ALEC Visa® cardholders who are enrolled in CURewards® only. Cardholders can earn 3 points for every $1 of net purchases made in eligible retail categories, including air travel and hotel merchants. All other retail categories are not eligible for bonus points. The promotional period runs May 1^st through June 30^th, 2026. Points will be posted on the first statement following your eligible transaction(s). Bonus points are not transferable. All loans are subject to credit approval.

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incredible auto loan rates for your next adventure

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 72 months and as low as 4.74% 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 72 months and Used Auto Loans up to 72 months opened beginning June 1st and closed by June 30th.
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.

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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 – August 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