Loan Rates

Effective June 15, 2017

Vehicles Loans

New Vehicles, MSRP (Purchase Only)TermAPR* As
Low As
Estimated Payment
per $1000 Borrowed
100% FinancingUp to 48 mos1.99%$21.70/48 Mos
100% FinancingUp to 60 mos2.49%$17.75/60 Mos
100% Financing (25K Min.)Up to 72 mos2.99%$15.20/72 Mos
100% Financing (30K Min.)Up to 84 mos3.99%$13.67/84 Mos
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 VehiclesTermAPR* As
Low As
Estimated Payment
Per $1000 Borrowed
100% Financing NADA RetailUp to 48 mos2.19%$21.78/48 Mos
100% Financing NADA RetailUp to 60 mos2.69%$17.84/60 Mos
100% Financing NADA Retail (25K Min.)Up to 72 mos3.19%$15.17/72 Mos
Refinance**Up to 60 mos2.00% 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 VehiclesTermAPR* As
Low As
Estimated Payment
per $1000 Borrowed:
100% of the purchase price,
using Black Book or NADA Average Retail value.
12 to 36 mos5.50%$30.21/ 36 Mos
100% of the purchase price,
using Black Book or NADA Average Retail value.
Up to 48 mos6.00%$19.34/48 Mos
*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)
TermAPR* As
Low As
Estimated Payment
per $1000 Borrowed:
New12 to 48 mos5.00%$23.04/48 Mos
Up to 60 mos6.00%$19.34/60 Mos
Used12 to 48 mos6.00%$23.49/48 Mos
Up to 60 mos6.50%$19.58/60 Mos
*APR=Annual Percentage Rate
Recreational Vehicles & Boats
(Purchase Only)
TermAPR* As
Low As
Estimated Payment
per $1000 Borrowed:
New 12 to 48 mos5.00%$23.04/48 Mos
60 mos5.50%$19.11/60 Mos
72 mos6.00%$16.58/72 Mos
84 mos6.50%$14.86/84 Mos
96 mos7.00%$13.64/96 Mos
120 mos7.50%$11.88/120 Mos
Used12 to 48 mos6.00%$23.49/48 Mos
60 mos6.50%$19.58/60 Mos
72 mos7.00%$17.06/72 Mos
84 mos7.50%$15.34/84 Mos
96 mos8.00%$14.15/96 Mos
120 mos8.50%$12.41/120 Mos
*APR=Annual Percentage Rate

Personal Loans

Loan TypeTermAPR* As
Low As
Estimated Payment
per $1000 Borrowed:
CU-Cash LOC/Overdraft Protection Line of CreditOpen9.40%
Share Secured Line of CreditOpen5.25%
Personal/Signature Loan ($35,000 Maximum)Up to 48 months
Up to 60 months
8.50%
9.50%
$24.66/48 Mos
$21.01/60 Mos
Member AdvantageUp to 12 months*13.99%
Member Advantage PlusUp to 18 Months**16.99%
Share Secured/RegularMax Term
Up to 120 mos
3.00%$29.09/36 Mos
Share Certificate SecuredUp to Maturity
Date of Certificate
3.00% Over
Certificate Rate
Bill Payer/Debt Consolidation ($35,000 Maximum)Up To 48 Months8.00%$24.19/48 Mos
Up To 60 Months9.00%$20.53/60 Mos
Fresh Start Loan Up to 36 Months9.50%$32.05/36 Mos
*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 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=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 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 TypeTermAPR* As
Low As
Estimated Payment
per $1000 Borrowed:
Line of CreditOpen4.75%
Fixed RateUp to 60 mos5.25%$18.99/60 Mos
Up to 120 mos6.25%$11.24/120 Mos
Up to 180 mos7.25%$9.14/180 Mos
*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