AFL-CIO Employees FCU

Effective December 14, 2011

APR MAY BE HIGHER BASED ON PAST AND PRESENT CREDIT PERFORMANCE. CREDIT DECISION WILL BE BASED ON THE OVERALL CREDIT WORTHINESS OF THE APPLICANT.

Loan Type	Annual Percentage Rate As Low As	Term
New Vehicles, MSRP (Purchase Only)
100% Financing 100% Financing 100% Financing (30K Min.) 100% Financing (30K Min.)	2.99% 3.49% 3.99% 4.99%	Up to 48 mos Up to 60 mos Up to 72 mos Up to 84 mos
Used Vehicles (Purchase Only)
100% Financing NADA Retail 100% Financing NADA Retail	2.99% 3.49%	Up to 48 mos Up to 60 mos
Motorcycles, 100% MSRP (Purchase Only)
New Used	6.00% 7.00%	Up to 60 mos Up to 60 mos
New Recreational Vehicles & Boats (Purchase Only)
New Recreational Vehicles or Boats	5.75%	Up to 120 mos
Used Recreational Vehicles & Boats (Purchase Only)
Used Recreational Vehicles or Boats	6.25%	Up to 120 mos

Additional Consumer Loan Rates
All rates are subject to change without notice

Loan Type	Annual Percentage Rate As Low As	Term
CU-Cash LOC/Overdraft Protection Line of Credit	9.90%	Open
Bill Payer/Tax Payer/Personal Loan/Signature ($15,000 Maximum)	8.50%	Up to 48 mos
Share Secured/Regular	3.00%	Max Term Up to 120 mos
Share Certificate Secured	2.25% Over Certificate Rate	Up to Maturity Date of Certificate
VISA Signature® Rewards (No annual fee) VISA® Platinum (No annual fee) VISA® Young Adult (No annual fee) VISA® College Rewards (No annual fee) Secured VISA® (No annual fee)	Variable Rate Prime Plus 6.74% - 17.74% Variable Rate Prime Plus 6.74% - 17.74% Variable Rate Prime Plus 6.74% - 17.74% Variable Rate Prime Plus 8.74% - 17.74% Variable Rate Prime Plus 17.74%	Open Open Open Open Open
Home Equity Line of Credit	3.75%	Open

Home Equity Loan
All rates are subject to change without notice

Loan Type	Annual Percentage Rate As Low As	Term
Line of Credit	3.75%	Open
Fixed Rate	5.25%	Up to 60 mos
	6.25%	Up to 120 mos
	6.75%	Up to 180 mos