Loans

Borrow with confidence — we’re here to help you afford life.

At Alcon Employees Federal Credit Union, we make borrowing simple and stress-free. Whether you’re buying a car, remodeling your home, or planning an adventure, our low-rate loans help you reach your goals faster. With flexible terms, personal guidance, and local decision-making, we make sure your loan fits your life — not the other way around.

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car driving on a sunset road

Auto Loans

Fully-loaded auto loans for your next ride!

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Home Equity Loans

Put your home to work for you!

  • Borrow up to 80% of your home’s equity
  • Min/Max Loan Amount: $30,000 – $150,000
  • Fixed Rate for the life of the loan
  • Flexible Term Options

apply for a home equity loan

House Construction Framing Gradating Into Finished Kitchen Build
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Mortgages

Home sweet home loans

  • Conventional & Government loan programs
  • Low down payment programs
  • Programs for borrowers with less-than-perfect credit

apply for a mortgage

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Recreational Vehicle Loans

Level up your adventure!

  • New & Used Vehicles – Buy or Refinance
  • 100% Financing available on campers, motorcycles, boats & other watercraft
  • Low, Fixed Rates
  • Flexible Payment Options – Up to 180 months
apply for loan
Summer holiday with a canoe in Poland
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Hiking is better when you share it your family

Signature Loans

Whatever you need, whenever you need it

  • 100% Financing
  • Low, Fixed Rates
  • Flexible Payment Options
  • No Collateral Required
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Share Secured Loans

Build your credit while putting your money to work for you!

  • Borrow up to 100% of Deposited Funds
  • Use Savings as Collateral – Still earn dividends
  • Low, Fixed Rates
  • Flexible Payment Options
apply for loan
Young woman talks about student loan with loan officer
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VISA® Credit Cards

More convenience, less fees

  • Low, Fixed Rate
  • No Annual Fee
  • No Cash Advance Fee
  • No Over-the-Limit Fee
  • Convenient & Flexible Purchasing Power – Accepted at millions of locations worldwide
  • Increased Security & Protection via VISA
  • Safer Online Shopping Payment Method
  • Easy Online Card Management

apply for a Card

Important VISA® phone numbers
Card Activation: 833-541-0770
Lost Stolen: 833-541-0777
Customer Service: 833-541-0763
PIN Change: 866-297-3413
eZCard: 866-604-0380
Dispute: 800-600-5249