Loan Rates

*Effective 04/01/2018


Vehicle Loans


New Vehicles, MSRP
(Purchase Only)
Term APR* As Low As Estimated Payment
per $1000 Borrowed
100% Financing Up to 48 months 1.99% $21.70/48 Months
100% Financing Up to 60 months 2.49% $17.75/60 Months
100% Financing (25K Min.) Up to 72 months 2.99% $15.20/72 Months
100% Financing (30K Min.) Up to 84 months 3.99% $13.67/84 Months
Refinance** TBD based on financing contract term. 2.50% Below Presented Rate  
*APR=Annual Percentage Rate. Will finance up to 7 model years. Rates are subject to change without notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
**Auto Loan Refinance Program rates are based on the original financing contract presented to the credit union as part of the application process. If all discounts were applied, an estimated monthly payment for a $30,000 new vehicle up to 84 months at a floor rate of 1.99% APR is $382.93. If all discounts were applied, an estimated monthly payment for a $30,000 used vehicle up to 72 months at a floor rate of 1.99% APR is $442.42. The 1.99% rate is the lowest [floor] rate if all refinance rate reductions and/or discounts were to be applied to the original financing contract as part of the application process. Not all applicants will qualify for the lowest rate offered since the rate is based on the original financing contract presented as part of the application process. Certain restrictions may apply. The AFL-CIO EFCU reserves the right to terminate this promotion at any time without advance notice.
Used Vehicles Term APR* As Low As Estimated Payment
Per $1000 Borrowed
100% Financing NADA Retail Up to 48 months 2.19% $21.78/48 Months
100% Financing NADA Retail Up to 60 months 2.69% $17.84/60 Months
100% Financing NADA Retail (25K Min.) Up to 72 months 3.19% $15.17/72 Months
Refinance** Up to 60 months 2.00% Below Presented Rate  
*APR=Annual Percentage Rate. Will finance up to 7 model years. Rates are subject to change without notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
**Auto Loan Refinance Program rates are based on the original financing contract presented to the credit union as part of the application process. If all discounts were applied, an estimated monthly payment for a $30,000 new vehicle up to 84 months at a floor rate of 1.99% APR is $382.93. If all discounts were applied, an estimated monthly payment for a $30,000 used vehicle up to 72 months at a floor rate of 1.99% APR is $442.42. The 1.99% rate is the lowest [floor] rate if all refinance rate reductions and/or discounts were to be applied to the original financing contract as part of the application process. Not all applicants will qualify for the lowest rate offered since the rate is based on the original financing contract presented as part of the application process. Certain restrictions may apply. The AFL-CIO EFCU reserves the right to terminate this promotion at any time without advance notice.

Older Used Vehicles Term APR* As Low As Estimated Payment
per $1000 Borrowed:
100% of the purchase price,
using Black Book or NADA Average Retail value.
12 to 36 months 5.50% $30.21/ 36 Months
100% of the purchase price,
using Black Book or NADA Average Retail value.
Up to 48 months 6.00% $19.34/48 Months
*APR=Annual Percentage Rate. Will finance 8 to 12 model years. Rates are subject to change without notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.

Motorcycles, 100% MSRP
(Purchase Only)
Term APR* As Low As Estimated Payment
per $1000 Borrowed:
New 12 to 48 months 5.00% $23.04/48 Months
  Up to 60 months 6.00% $19.34/60 Months
Used 12 to 48 months 6.00% $23.49/48 Months
  Up to 60 months 6.50% $19.58/60 Months
*APR=Annual Percentage Rate

Recreational Vehicles
& Boats (Purchase Only)
Term APR* As Low As Estimated Payment
per $1000 Borrowed:
New 12 to 48 months 5.00% $23.04/48 Months
  60 months 5.50% $19.11/60 Months
  72 months 6.00% $16.58/72 Months
  84 months 6.50% $14.86/84 Months
  96 months 7.00% $13.64/96 Months
  120 months 7.50% $11.88/120 Months
Used 12 to 48 months 6.00% $23.49/48 Months
  60 months 6.50% $19.58/60 Months
  72 months 7.00% $17.06/72 Months
  84 months 7.50% $15.34/84 Months
  96 months 8.00% $14.15/96 Months
  120 months 8.50% $12.41/120 Months
*APR=Annual Percentage Rate

Personal Loans

Loan Type Term APR* As Low As Estimated Payment
per $1000 Borrowed:
Signature LOC/Overdraft Protection Line of Credit Open 9.40%  
Share Secured Line of Credit Open 5.25%  
Personal/Signature Loan ($35,000 Maximum) Up to 48 months
Up to 60 months
7.75%
8.75%
$24.31/48 Months
$20.65/60 Months
Share Secured/Regular Max Term
Up to 120 months
Share Rate + 3.00% $29.09/36 Months
Share Certificate Secured Up to Maturity
Date of Certificate
Certificate Rate + 3.00%  
Bill Payer/Debt Consolidation ($35,000 Maximum) Up To 48 Months 8.00% $24.19/48 Months
  Up To 60 Months 9.00% $20.53/60 Months

*APR=Annual Percentage Rate. Rates are subject to change without notice. Rates based on credit. Not all borrowers will qualify for the lowest rate or the minimum/maximum loan amount. All rates shown are for qualified borrowers. The published rate is effective 04/01/2018 and may change at any time without notice. Minimum and Maximum loan amount is $1,000.00. Estimated monthly payments for a $1,000 at a rate of 13.99% APR is $89.81. No credit check is required; however the loan payment history will be reported. Removing. Member must meet all requirements to qualify. Only one Member Advantage or Member Advantage Plus may be issued at any time per member or membership. This is a limited time offer. AFL-CIO EFCU reserves the right to terminate this promotion at any time without advance notice. Certain restrictions and conditions may apply. (2) A non-refundable Member Advantage application fee of $20 is collected from every application regardless of whether credit is extended. 

Fresh Start Credit Solutions

Loan Type Term APR* As Low As Estimated Payment
per $1000 Borrowed:
Member Advantage Up to 12 Months 13.99%  $89.80/12 months
Member Advantage Plus Up to 18 Months 16.99%  $63.34/18 months
Pay Saver Loan (per $750 borrowed) Max Term 6 Months 17.99% $131.67/6 months
Fresh Start Loan Up to 36 Months 9.50%  $32.05/36 Months


Home Equity Loan

Loan Type Term APR* As
Low As
Estimated Payment
per $1000 Borrowed:
Line of Credit Open 4.75%  
Fixed Rate Up to 60 months 5.25% $18.99/60 Months
  Up to 120 months 6.25% $11.24/120 Months
  Up to 180 months 7.25% $9.14/180 Months
*APR=Annual Percentage Rate. Rates are subject to change without notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
**All Rates Subject to Change Without Notice