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.


  • Must be a member in good standing; no current delinquencies or overdrafts on any AFL-CIO EFCU account.
  • 0.25% APR rate reduction applies to all loan products except; Member Advantage Loan, Member Advantage Plus Loan, Lines-of-Credits [Home Equity, Overdraft, and 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.

APR is Annual Percentage 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.