Loan Rates

Effective September 1, 2015

Vehicles Loans

New Vehicles, MSRP (Purchase Only)APR* As Low AsTerm
100% Financing1.79%Up to 48 mos
100% Financing2.29%Up to 60 mos
100% Financing (25K Min.)2.79%Up to 72 mos
100% Financing (30K Min.)3.79%Up to 84 mos
Refinance2.00% 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 Retail1.99%Up to 48 mos
100% Financing NADA Retail2.49%Up to 60 mos
100% Financing NADA Retail (25K Min.)2.99%Up to 72 mos
Refinance1.50% 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.
4.00%Up to 48 mos
*APR=Annual Percentage Rate. Will finance 8 to 12 model years.
Motorcycles, 100% MSRP (Purchase Only)APR* As Low AsTerm
New4.00%Up to 60 mos
Used5.00%Up to 60 mos
*APR=Annual Percentage Rate
Recreational Vehicles & Boats (Purchase Only)APR* As Low AsTerm
New 4.50%Up to 120 mos
Used5.25%Up to 120 mos
*APR=Annual Percentage Rate

Personal Loans

Loan TypeAPR*Term
CU-Cash LOC/Overdraft Protection Line of Creditas low as 9.40% Open
Share Secured Line of Creditas low as 5.25%Open
Personal/Signature Loan ($25,000 Maximum)as low as 7.00%
as low as 8.00%
Up to 48 months
Up to 60 months
Member Advantage12.99% APRUp to 12 months*
Member Advantage Plus15.99%Up to 18 Months*
Share Secured/Regularas low as 3.00%Max Term
Up to 120 mos
Share Certificate Secured2.25% Over Certificate RateUp to Maturity Date of Certificate
Bill Payer**6.99%Up To 48 Months
7.99%Up To 60 Months
*APR is Annual Percentage Rate. The published rate is effective 09/01/2015 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 12.99% APR is $89.30. 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 09/01/2015 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 15.99% APR is $94.32. 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 Credit3.75%Open
Fixed Rate**5.25%Up to 60 mos
6.25%Up to 120 mos
7.25%Up to 180 mos
*APR=Annual Percentage Rate
**Rates good thru 9/30/2015.
All Rates Subject to Change Without Notice