Loan Rates

Effective July 1, 2016

Vehicles Loans

New Vehicles, MSRP (Purchase Only)APR* As Low AsTerm
100% Financing1.99%Up to 48 mos
100% Financing2.49%Up to 60 mos
100% Financing (25K Min.)2.99%Up to 72 mos
100% Financing (30K Min.)3.99%Up to 84 mos
Refinance2.50% Below Presented RateTBD based on financing contract term.
*APR=Annual Percentage Rate. Will finance up to 7 model years.
Used VehiclesAPR* As Low AsTerm
100% Financing NADA Retail2.19%Up to 48 mos
100% Financing NADA Retail2.69%Up to 60 mos
100% Financing NADA Retail (25K Min.)3.19%Up to 72 mos
Refinance2.00% Below Presented RateUp to 60 mos
*APR=Annual Percentage Rate. Will finance up to 7 model years.
Older Used VehiclesAPR* As Low AsTerm
100% of the purchase price,
using Black Book or NADA Average Retail value.
5.50%12 to 36 mos
100% of the purchase price,
using Black Book or NADA Average Retail value.
6.00%Up to 48 mos
*APR=Annual Percentage Rate. Will finance 8 to 12 model years.
Motorcycles, 100% MSRP (Purchase Only)APR* As Low AsTerm
New5.00%12 to 48 mos
6.00%Up to 60 mos
Used6.00%12 to 48 mos
6.50%Up to 60 mos
*APR=Annual Percentage Rate
Recreational Vehicles & Boats (Purchase Only)APR* As Low AsTerm
New 5.00%12 to 48 mos
5.50%60 mos
6.00%72 mos
6.50%84 mos
7.00%96 mos
7.50%120 mos
Used6.00%12 to 48 mos
6.50%60 mos
7.00%72 mos
7.50%84 mos
8.00%96 mos
8.50%120 mos
*APR=Annual Percentage Rate

Personal Loans

Loan TypeAPR* As Low AsTerm
CU-Cash LOC/Overdraft Protection Line of Credit9.40% Open
Share Secured Line of Credit5.25%Open
Personal/Signature Loan ($25,000 Maximum)8.50%
9.50%
Up to 48 months
Up to 60 months
Member Advantage13.99%Up to 12 months*
Member Advantage Plus16.99%Up to 18 Months**
Share Secured/Regular3.00%Max Term
Up to 120 mos
Share Certificate Secured3.00% Over
Certificate Rate
Up to Maturity
Date of Certificate
Bill Payer/Debt Consolidation8.00%Up To 48 Months
9.00%Up To 60 Months
Fresh Start Loan9.50%Up to 36 Months
*APR is Annual Percentage Rate. The published rate is effective 07/01/2016 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.

**APR is Annual Percentage Rate. The published rate is effective 07/01/2016 and may change at any time without notice. Minimum and Maximum loan amount is $1,500.00. Estimated monthly payments for $1,500 at a rate of 16.990% APR is $95.03. No credit check is required; however the loan payment history will be reported. Member must meet all requirements to qualify. Before the Member Advantage Plus loan will be issued, the member must have had a Member Advantage loan and completed payments for at least twelve (12) months. Only one Member Advantage or Member Advantage Plus loan 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 Plus application fee of $25 is collected from every application regardless of whether credit is extended.

Home Equity Loan

Loan TypeAPR* As Low AsTerm
Line of Credit4.00%Open
Fixed Rate5.25%Up to 60 mos
6.25%Up to 120 mos
7.25%Up to 180 mos
*APR=Annual Percentage Rate
All Rates Subject to Change Without Notice