*Effective 11/01/2025

Vehicle Loans

New Vehicle Loans
New Vehicles, MSRP (Purchase Only) Term APR* As Low As Estimated Payment per $1,000 Borrowed
100% Financing Up to 48 months 4.74% $22.92/48 Months
100% Financing 49 to 60 months 4.99% $18.87/60 Months
100% Financing 61 to 72 months 5.49% $16.34/72 Months
100% Financing ($15K Min.) 73 to 84 months 5.74% $14.49/84 Months
100% Financing 85 to 96 months 6.24% $13.26/96 Months
APR=Annual Percentage Rate. Will finance up to 8 model years. AFL-CIO EFCU reserves the right to change rates without advance notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
used vehicle loans
Used Vehicles Term APR* As Low As Estimated Payment Per $1,000 Borrowed
100% Financing NADA Retail Up to 48 months 5.24% $23.14/48 Months
100% Financing NADA Retail 49 to 60 months 5.49% $19.10/60 Months
100% Financing NADA Retail ($15K Min.) 61 to 72 months 5.99% $16.57/72 Months
100% Financing NADA Retail 73 to 84 months 6.24% $14.73/84 Months
*APR=Annual Percentage Rate. Will finance up to 7 model years. AFL-CIO EFCU reserves the right to change rates without advance notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
older vehicle loans
Older Used Vehicles Term APR* As Low As Estimated Payment per $1,000 Borrowed:
100% of the purchase price using NADA Average Retail value. Up to 36 months 6.74% $30.76/ 36 Months
100% of the purchase price using NADA Average Retail value. 37 to 60 months 7.24% $19.92/48 Months
*APR=Annual Percentage Rate. Will finance 8 to 12 model years. The credit union reserves the right to change rates without advance notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
motorcycle loans
Motorcycles, 100% MSRP (Purchase Only) Term APR* As Low As Estimated Payment per $1,000 Borrowed:
New Up to 36 months 5.74% $30.31/36 Months
37 to 48 months 6.24% $23.60/48 Months
49 to 60 months 6.74% $19.68/60 Months
61 to 72 months 7.24% $17.17/72 Months
Used Up to 36 months 6.24% $30.53/36 Months
37 to 48 months 6.49% $23.71/48 Months
49 to 60 months 6.99% $19.80/60 Months
61 to 72 months 7.49% $17.29/72 Months
*APR=Annual Percentage Rate. AFL-CIO EFCU reserves the right to change rates without advance notice. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
rv loans
Recreational Vehicles & Boats (Purchase Only) Term APR* As Low As Estimated Payment per $1,000 Borrowed:
New Up to 48 months 5.74% $23.37/48 Months
49 to 60 months 6.24% $19.45/60 Months
61 to 72 months 6.49% $16.81/72 Months
73 to 96 months 7.24% $15.22/96 Months
97 to 120 months 7.74% $12.00/120 Months
Used Up to 48 months 6.24% $23.60/48 Months
49 to 60 months 6.74% $19.68/60 Months
61 to 72 months 7.24% $17.17/72 Months
73 to 96 months 7.74% $14.01/96 Months
97 to 120 months 8.24% $12.27/120 Months
*APR=Annual Percentage Rate. AFL-CIO EFCU reserves the right to change rates without advance notice. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.

Personal Loans

personal loans
Loan Type Term APR* As Low As Estimated Payment per $1,000 Borrowed:
Personal/Signature Loan ($35,000 Maximum) Up to 48 months Up to 72 months 8.74% 9.24% $24.77/48 Months $18.16/72 Months
Bill Payer/Debt Consolidation ($35,000 Maximum) Up To 48 Months 8.74% $24.77/48 Months
Up To 72 Months 9.24% $18.16/72 Months
Share Secured/Regular Max Term Up to 120 months Share Rate + 5.00% $10.25/120 Months
Share Certificate Secured Up to Maturity Date of Certificate Certificate Rate + 3.00%
Signature Line Of Credit/Overdraft Protection LOC Open 10.50%
Share Secured Line of Credit Open 7.00%
*APR=Annual Percentage Rate. AFL-CIO EFCU reserves the right to change rates without advance notice. Not all borrowers will qualify for the lowest rate or the minimum/maximum loan amount. All rates shown are for qualified borrowers. The member must meet all requirements to qualify. AFL-CIO EFCU reserves the right to change rates without advance notice. Certain restrictions and conditions may apply.

Fresh Start Credit Solutions

fresh start solutions
Loan Type Term APR* As Low As Estimated Payment per $1,000 Borrowed:
Member Advantage Up to 12 Months 16.99% $90.97/12 months
Member Advantage Plus Up to 24 Months 17.49% $49.69/24 months
Pay Saver Loan (per $750 borrowed) Max Term 6 Months 17.49% $131.48/6 months
Fresh Start Loan Up to 36 Months 16.99% $29.26/36 Months
*APR=Annual Percentage Rate. No credit report is pulled on Member Advantage, Member Advantage Plus, or Pay Saver Loan. However, repayment of the loan is reported to the credit reporting agencies. Not all borrowers will qualify for the minimum/maximum loan amount. There is a $25 application fee for all application received All rates shown are for qualified borrowers. The member must meet all requirements to qualify. AFL-CIO EFCU reserves the right to change rates without advance notice. Certain restrictions and conditions may apply.

Home Equity Loan

Home Equity Loan
Loan Type Term APR* As Low As Estimated Payment per $1,000 Borrowed:
HELOC Advantage* Open 6.25%
FIXED RATE 2nd Up to 60 months 5.49% $19.10/60 Months
Up to 120 months 6.24% $11.23/120 Months
Up to 180 months 6.74% $8.85/180 Months
Up to 240 months 7.24% $7.90/240 Months
*APR=Annual Percentage Rate. AFL-CIO EFCU reserves the right to change rates without advance notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers. HELOC Range of Fees could be as low as $800 and as high as $2000. Fees can include flood search, title search, appraisal, closing costs. Maximum annual percentage rate (APR) that can be charged on a HELOC is 18.00% APR. *HELOC Advantage = Interest only LOC