Effective Friday, May 28, 2021, the access to E-Statements migrated to a “Single Sign On” through Virtual Branch Internet Banking. If you are currently an Internet Banking User, You will now be able to access your monthly statement(s) with your current internet banking login. Once logged in, click Self Service, then click Additional Services to access your E-Statement. For members who wish to continue E-Statements and are not currently enrolled in internet banking, please call the Credit Union for further information at (251)575-2921 during normal business hours.

Members not enrolled in Internet Banking will now receive paper statements until registering for these new enhanced services.

Thank you for your patience and support as we work to upgrade and enhance our service to You!


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Effective as of: 03/01/2018
Consumer Loan Rate Schedule
*Actual Rate May Vary with Individual's Credit History
These rates may be superseded by current loan specials.
Signature Loans 13.7513.7536-42 monthsUp to $5,000.00
New Auto/Trucks 3.253.25 24-84 months100% A.S.P.***
Demonstrators Vehicles (up to 36,000miles) 3.253.25 24-84 months90% A.S.P.
Used Auto/Trucks (2015-2020)4.754.7572 monthsNADA Loan
Used Auto/Trucks (2014)6.756.7548 monthsNADA Loan
Older Used Autos/Misc.(2013-older)6.756.7536-42 monthsNADA Loan
New Travel Trailers 5.755.7524-72 months95% A.S.P.
Used Travel Trailers 6.256.2524-60 months85% Appr Val
Miscellaneous 7.257.25 Varies80% A.S.P.
New Chain saws, Gererators, Welding Machines6.256.25 Varies100% A.S.P.***
Used Chain saws,Generators, Welding Machines6.256.25 Varies95% Appr. Val.
New Boats, Motors and Trailers
up to $5,0003.753.7536-42 months90% A.S.P.
$5,000 - $10,0003.753.7548-54 months90% A.S.P.
$10,000 - $24,999 3.753.7560 months90% A.S.P.
$25,000 and up 3.753.7572 months90% A.S.P.
Used Boats, Motors and Trailers
up to $5,0004.754.7524-36 months80% Appr Val
over $5,0004.754.7542 months80% Appr Val
New Household Appliances 7.007.0036 months90% A.S.P.
New Lawn Mowers (up to $5,000)5.505.5036-42 months90% A.S.P.
Used Lawn Mowers 6.006.0036 months80% Appr Val
New Tractor ($5,000 and up)4.754.7536-48 months100% A.S.P.***
New Tractor (over $10,000)4.754.75100% A.S.P.***
Used Tractors 5.505.5036-42 months95% Appr Val
New Four Wheelers/Hunting Buggies5.505.5024-42 months90% A.S.P.
Used Four Wheelers/Hunting Buggies5.505.5024-42 months90% Appr Val
New Motorcycles3.993.9936-60 months90% A.S.P.
Used Motorcycles5.505.5054 months80% Appr Val
Shares/CD Secured 3% over acct rate** Varies100% Amount in Account
1APR = Annual Percentage Rate
ASP=Actual Selling Price
Appr Val=Appraised Value
**Share/CD Secured 3% over Account rate
***Not to Exceed MSRP
Signature Loans: Maximum amount based on the length of membership at the credit union. Please Contact Us at the credit union for more details. Collateral Loans Fees UCC1 $25.00 and Title App Fees $20.00 Effective Sept. 1, 2017
THIRD PARTY SITE DISCLAIMER - By accessing the noted link you will be leaving the Alabama River Credit Union website and entering a website hosted by another party. Alabama River Credit Union has not approved this as a reliable partner site. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of the Alabama River Credit Union website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of Alabama River Credit Union. CLICK OK TO CONTINUE OR CANCEL TO ABORT

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