Vehicle Loans

Whether it’s highway or off-road, four wheels or two, we’ve got the loan for you. Looking to lower your current rate? We can help with that too!

Auto Loans

We’ll provide up to 100% financing, including taxes, tags, and title, on any new or used car, van, or light truck. For the negotiating power of a cash buyer, get your financing pre-approved before shopping for your next vehicle. And be sure to ask about our mechanical breakdown insurance and GAP auto protection insurance.

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Auto Refinance**

Model Years 2016 & 2017:

  1. Refinance auto’s financed with another financial institution
  2. If the loan is for a 2016 or 2017 and financed within the last 12 months, we will refinance it for 2.50% below the current financed rate as new.*
  3. Refinance term may be based on the remaining term plus six [6] months; cannot exceed original finance term.
  4. Floor rate is 1.99%.

Model Years 2013 up to 2015 (2016 if financed over 1 year ago):

  1. Refinance auto’s financed with another financial institution.
  2. If the loan is for a 2013 up to 2014 (2015 if financed over 1 year ago), we will refinance it for 2.00% below the current financed rate as used.*
  3. Refinance term may be based on the remaining term plus six [6] months; cannot exceed original finance term.
  4. Floor rate is 1.99% and may not exceed 72 months from date of credit union financing.
*Loan documentation from another institution must be presented.
**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.

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RV/Boat/Motorcycle Loans

Get a loan to help you enjoy your leisure time! Competitive rates, flexible payment options, and easy financing up to 100% of the purchase price make us your loan source for all your vehicle needs.
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