AllSouth Federal Credit Union lends millions of dollars each year to thousands of Members. Members finance through AllSouth everything from automobiles to new homes. Loan interest rates are reviewed periodically to ensure they are competitively priced.

Rates are based on the Member's credit worthiness.

All rates and terms are subject to change without prior notice.

Vehicle Loans
AllSouth finances many used cars at new car rates! The newsest model as well as models back to 2003 will qualify for a new car rate and term. Qualified borrowers can finance up to 72 months!

Pre-Approvals of New and Used Vehicle Loans Available
Members may fill out an application before shopping for a vehicle. Once approved, Members may select a vehicle. A pre-approved vehicle loan is valid for 30 days. Pre-Approved financing may give the Member an advantage when bargaining for the price of the vehicle.

Extended Warranties
AllSouth offers a competitively priced extended warranty program which can protect the member from expensive auto repairs. AllSouth's program is very much like the extended warranties offered by auto dealers, but can offer better coverage at less cost.

Check Guard Plus
Check Guard Plus is a line of credit that acts as overdraft protection for the Member's checking account. It also provides access to extra funds in an emergency. Members can access Check Guard Plus through Respond 24 Telephone Teller and then transfer the funds to his/her Checking Account. Access to Check Guard Plus is also available at any branch.

Personal Loan
Members can borrow up to $5,000 for as low as 10.9%(based on credit worthiness) for the purpose of vacation, furniture or other major purchases. Maximum term is 24 months.

Fixed Rate Second Mortgage Loan
AllSouth Federal Credit Union also provides fixed rate Second Mortgage loans. Members may apply for up to 100% of their home's value less any existing first mortgage balance, and can repay up to 12 years.

Home Equity Line
The Home Equity Line allows members to borrow against their home's accumulated equity without disturbing their savings or other investments, or without relying on more costly types of loans. The Home Equity Line has a low interest rate that is subject to change quarterly and there are no loan-advance fees or annual fees. Members can make advances for as little as $250 up to the available balance, as needed.

Members can establish a credit line for a maximum of 100% of their home's value less any existing first mortgage balance.

Members can apply online for any of the consumer loan products listed above.