Lending Center

For information on Alabama Credit Union's lending services, click the links below:

» Auto - in addition to great rates, learn about our in-dealership, in-branch, phone, or online service.

» HELOC -- may be the only loan you'll ever need.

» Mortgage -- many products for purchases and refinances.

» Credit Card Transfers -- check out our new VISA Platinum series.

» Share Secured

» Other Loans -- RVs, boats, motorcycles, new furniture, farm equipment, personal, and more.

» Call us for a pre-approval or a loan today at 1-888-817-2002 during business hours, or 1-866-564-2848 after business hours. If you've already signed our Loanliner Open End PLUS plan, there's no need to visit us again to sign your new loan documents!

» Step-by-Step Loan Process — Auto | HELOC | Mortgage | Other Loans

» Calculators

» Online Loan Application

» Loan Application Download

» NADA Vehicle Values

Loanliner® Open End PLUS program means greater convenience, loan discounts
Alabama Credit Union has broadened its loan program to make it easier and more convenient for qualified members to get loans wherever, whenever they need them — and at rates as favorable as the credit union can offer through its earned discount rate program.

Here's an overview:
» Credit performance pricing. As a result of their excellent payment histories, many members have earned the best loan rates Alabama Credit Union can offer. Our new program allows you to take advantage of money-saving discounts on many types of loans. Your rate may be lower than that shown on our Current Rates page -- be sure to ask us.
» New loan types under open-end lending plan. "Open-end" lending means you can add to the loan under certain circumstances. It works much like a revolving line of credit, in some cases. Previously, auto loans and other types of collateralized loans were closed-end — meaning they had a specified maturity date and that refinancing required setting up a completely new loan. Now, new loans made for autos and other types of collateral will require less paperwork and offer additional options, such as subsequent loan advances.
» One signature... that's all! After you've set up your new Loanliner® PLUS open-end lending plan by pre-signing your loan documents, you may never need to sign another consumer loan document at Alabama Credit Union. In most cases, a phone call (or a quick transaction that you initiate in ACUiBranch) is all that's needed to make an advance on your loan — and that could be an auto loan or other type of consumer loan. It's fast, easy and convenient — and we'll be glad to pre-approve your new loan so you can easily shop on weekends or while out of town for autos, RVs, boats and much more. Remember — no need to visit the office at any time; just phone us to have the loan deposited into your account, mailed to you, or to choose any of several other options.
» Upgrade to the new plan. How? Just complete a loan application (available by mail, e-mail, fax, or by visiting the credit union) and return it to us. After approval, we'll prepare your new Loanliner PLUS open-end lending plan documents for your signature. We'll discuss your loan pricing discounts with you then, too. That's all that is required.

Have questions about our convenient, money-saving new loan program that allows you to obtain new loans with only a phone call or secure e-mail using ACUiBranch? Want to check our loan rates? Apply now... or please give us a call at 205-348-5944 or 888-817-2002, or visit any office to speak with a loan officer.

 

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government. Your savings are additionally insured to $250,000 by Excess Share Insurance. To estimate your National Credit Union Share Insurance Fund coverage, use this insurance estimator or download NCUA's Your Insured Funds brochure. Alabama Credit Union does business in accordance with the Equal Credit Opportunity Act and the Federal Fair Housing Law. We are an Equal Housing Lender. Rates expressed as Annual Percentage Rate or Annual Percentage Yield; all rates and terms subject to change without notice. For complete account disclosures, ask for a copy of our Membership & Account Agreement, Reg CC (Funds Availability) and Reg E (Electronic Transfers) disclosures, Fee Schedule and Member Business Account™ Fee Schedule. Membership eligibility required. Alabama Credit Union is not responsible for content of Web sites which may be accessible via links from this site but are not operated by Alabama Credit Union, and does not represent either the third party or the member if the two enter into a transaction; privacy and security policies may differ from those practiced by Alabama Credit Union.

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