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ALEC Promotional Rates

visa® holiday giveaway

we're giving away 250,000 CURewards® points!

When you use your ALEC Visa® card in-store or online from November 1 – December 31, you are automatically entered to win*.

With every transaction you make, you could be one of our (4) lucky winners!
  • (1) 100,000 point winner
  • (3) 50,000 point winners

Redeem your CURewards® points for merchandise, travel, electronics, gift cards, entertainment, and more.

Not a cardholder yet? Apply online by clicking the button below. You can also visit any ALEC Service Center or call us 24/7 at 800.762.9988.

*No purchase necessary to enter or win. Purchase does not increase your chances of winning. All new and existing ALEC Visa® cardholders enrolled in CURewards® will automatically receive one (1) entry into the Sweepstakes for every purchase during the promotional period. To enter without making a purchase, mail a postcard including your name, complete address, email address, and phone number to: ALEC Holiday Sweepstakes, 325 Tri-State Parkway, Gurnee, IL 60031. All entries must be postmarked by December 31, 2024, and received by January 6, 2025. Prizes: 100,000 CURewards® points, ARV $1,000. 50,000 CURewards® points, ARV $500 each. Any tax consequences are responsibility of the winner and a 1099_MISC will be provided. Winners will be selected in a random drawing on or around January 15, 2025 and will be notified via email and/or phone. Directors, employees and their immediate family are prohibited from winning. View complete disclosure and Sweepstakes rules here.
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new and used auto loans

save on your next car and lock in a great rate.

Get on the road to savings with quick and easy financing with ALEC.

ALEC Auto Loans feature:
  • Rates as low as 4.99% APR* on new and used autos up to 72 months
  • Better than dealer pricing on auto loan protection products
  • Fast approvals when you apply online
  • Up to 0.50% discount off our current rates1
  • Easy payment methods and no prepayment penalty 

Apply online or through the ALEC Mobile app. You can also visit an ALEC Service Center or call us 24/7 at 800.762.9988.

*APR = Annual Percentage Rate. All loans subject to credit approval. All loans subject to credit approval. Your actual APR depends on credit history. Advertised rate valid on New and Used Auto Loans up to 72 months applied for from November 1 – November 30, 2024.
1Disclosed 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 financing up to 115% MSRP for qualified borrowers.
Apply today

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
  • 24/7 member service
  • 30,000+ surcharge-free ATMs nationwide
  • 0% introductory APR^ on any ALEC Visa® Card

Become a member today. Contact us 24/7 at 800.762.9988, visit any ALEC Service Center, or click the apply button.

* 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.
^APR = Annual Percentage Rate. 0% APR on purchases is valid the first 12 months the account is open. Rate then reverts to assigned variable account rate. All credit cards subject to approval.
Limit one incentive per first-time member. Offer valid on new memberships opened between September 1 – November 30, 2024.
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variable rate certificates

ALEC Variable Rate Certificates offer highly competitive rates, currently at 4.64% 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

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

* The 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.
** 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 October 31, 2024, the rate is 4.490%. 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 Service Center

Call 800.762.9988