AFL-CIO Employees FCU

Effective January 7, 2013

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 (25K Min.) 100% Financing (30K Min.) Refinance	1.79% 2.29% 2.79% 3.79% 2.00% Below Presented Rate	Up to 48 mos Up to 60 mos Up to 72 mos Up to 84 mos Up to 66 mos
Used Vehicles (Purchase Only)
100% Financing NADA Retail 100% Financing NADA Retail 100% Financing NADA Retail Refinance	1.99% 2.49% 2.99% 1.50% Below Presented Rate	Up to 48 mos Up to 60 mos Up to 72 mos Up to 42 mos
Motorcycles, 100% MSRP (Purchase Only)
New Used	5.00% 6.00%	Up to 60 mos Up to 60 mos
New Recreational Vehicles & Boats (Purchase Only)
New Recreational Vehicles or Boats	5.25%	Up to 120 mos
Used Recreational Vehicles & Boats (Purchase Only)
Used Recreational Vehicles or Boats	5.75%	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	9.40%	Open
Share Secured Line of Credit	5.25%	Open
Bill Payer/Tax Payer/Personal Loan/Signature ($25,000 Maximum)	7.50% 8.50%	Up to 48 mos Up to 60mos
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

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