Member Loan Loyalty Program

are you eligible for a loan discount?

  1. Members who have borrowed from the credit union since 2005
  2. If the member has two (2) or more current or previous loans with the credit union, the member will receive a 0.25%* reduction off of the currently posted "As Low As" loan rate based on creditworthiness for any new loan applications submitted. 


  • Must be a member in good standing; no current delinquencies or overdrafts on any AFL-CIO EFCU account.
  • 0.25% APR* rate deduction applies to all loan products except: Member Advantage Loan, Member Advantage Plus Loan, Pay Saver Loan, Lines-Of-Credits (Home Equity, Overdraft, Signature), Share and Certificate Secured Loans, and reduced rates for loan promotions.
  • Auto Refinance program applies. Rate reduction based on the original financing contract rate.
  • Not all borrowers will qualify for the lowest rate. 

The program is effective 08/01/2015 and may change at any time without notice. Member must meet all AFL-CIO EFCU lending requirements to qualify. AFL-CIO EFCU reserves the right to terminate this promotion at any time without advance notice. Certain restrictions and conditions may apply.