Loan Rates
*Effective 01/01/2024
Vehicle Loans
|
New Vehicles, MSRP (Purchase Only) |
Term | APR* As Low As |
Estimated Payment
per $1000 Borrowed |
|---|---|---|---|
| 100% Financing | Up to 48 months | 5.99% | $23.49/48 Months |
| 100% Financing | 49 to 60 months | 6.24% | $19.45/60 Months |
| 100% Financing | 61 to 72 months | 6.74% | $16.93/72 Months |
| 100% Financing ($15K Min.) | 73 to 84 months | 6.99% | $15.09/84 Months |
| 100% Financing | 85 to 96 months | 7.49% | $13.89/96 Months |
APR=Annual Percentage Rate. Will finance up to 8 model years. AFL-CIO EFCU reserves the right to change rates without advance notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
| Used Vehicles | Term | APR* As Low As |
Estimated Payment
Per $1000 Borrowed |
|---|---|---|---|
| 100% Financing NADA Retail | Up to 48 months | 5.99% | $23.49/48 Months |
| 100% Financing NADA Retail | 49 to 60 months | 6.24% | $19.45/60 Months |
| 100% Financing NADA Retail ($15K Min.) | 61 to 72 months | 6.74% | $16.93/72 Months |
| 100% Financing NADA Retail | 73 to 84 months | 7.49% | $15.34/84 Months |
*APR=Annual Percentage Rate. Will finance up to 7 model years. AFL-CIO EFCU reserves the right to change rates without advance notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
| Older Used Vehicles | Term | APR* As Low As |
Estimated Payment
per $1000 Borrowed: |
|---|---|---|---|
|
100% of the purchase price,
using Black Book or NADA Average Retail value. |
Up to 36 months | 7.24% | $30.99/ 36 Months |
|
100% of the purchase price,
using Black Book or NADA Average Retail value. |
37 to 60 months | 7.74% | $20.16/48 Months |
*APR=Annual Percentage Rate. Will finance 8 to 12 model years. AFL-CIO EFCU reserves the right to change rates without advance 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) |
Term | APR* As Low As |
Estimated Payment
per $1000 Borrowed: |
|---|---|---|---|
| New | Up to 36 months | 7.00% | $30.88/36 Months |
| 37 to 48 months | 7.50% | $24.19/48 Months | |
| 49 to 60 months | 8.00% | $20.28/60 Months | |
| 61 to 72 months | 8.50% | $17.79/72 Months | |
| Used | Up to 36 months | 7.00% | $30.88/36 Months |
| 37 to 48 months | 7.50% | $24.19/48 Months | |
| 49 to 60 months | 8.00% | $20.28/60 Months | |
| 61 to 72 months | 8.50% | $17.79/72 Months |
*APR=Annual Percentage Rate. AFL-CIO EFCU reserves the right to change rates without advance notice. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
|
Recreational Vehicles & Boats (Purchase Only) |
Term | APR* As Low As |
Estimated Payment
per $1000 Borrowed: |
|---|---|---|---|
| New | Up to 48 months | 7.00% | $23.95/48 Months |
| 49 to 60 months | 7.50% | $20.04/60 Months | |
| 61 to 72 months | 8.00% | $17.54/72 Months | |
| 73 to 96 months | 8.50% | $14.40/96 Months | |
| 97 to 120 months | 9.00% | $12.68/120 Months | |
| Used | Up to 48 months | 7.00% | $23.95/48 Months |
| 49 to 60 months | 7.50% | $20.04/60 Months | |
| 61 to 72 months | 8.00% | $17.54/72 Months | |
| 73 to 96 months | 8.50% | $14.40/96 Months | |
| 97 to 120 months | 9.50% | $12.68/120 Months |
*APR=Annual Percentage Rate. AFL-CIO EFCU reserves the right to change rates without advance notice. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers.
Personal Loans
| Loan Type | Term | APR* As Low As |
Estimated Payment
per $1000 Borrowed: |
|---|---|---|---|
| Personal/Signature Loan ($35,000 Maximum) |
Up to 48 months
Up to 72 months |
8.99%
9.24% |
$24.89/48 Months
$18.16/72 Months |
| Bill Payer/Debt Consolidation ($35,000 Maximum) | Up To 48 Months | 8.99% | $24.89/48 Months |
| Up To 72 Months | 9.24% | $18.16/72 Months | |
| Share Secured/Regular |
Max Term
Up to 120 months |
Share Rate + 5.00% | $10.25/120 Months |
| Share Certificate Secured |
Up to Maturity
Date of Certificate |
Certificate Rate + 3.00% | |
| Signature Line Of Credit/Overdraft Protection LOC | Open | 10.50% | |
| Share Secured Line of Credit | Open | 7.00% |
*APR=Annual Percentage Rate. AFL-CIO EFCU reserves the right to change rates without advance notice. Not all borrowers will qualify for the lowest rate or the minimum/maximum loan amount. All rates shown are for qualified borrowers. The member must meet all requirements to qualify. AFL-CIO EFCU reserves the right to change rates without advance notice. Certain restrictions and conditions may apply.
Fresh Start Credit Solutions
| Loan Type | Term | APR* As Low As |
Estimated Payment
per $1000 Borrowed: |
|---|---|---|---|
| Member Advantage | Up to 12 Months | 16.99% | $90.97/12 months |
| Member Advantage Plus | Up to 24 Months | 17.49% | $49.69/24 months |
| Pay Saver Loan (per $750 borrowed) | Max Term 6 Months | 17.49% | $131.48/6 months |
| Fresh Start Loan | Up to 36 Months | 16.99% | $29.26/36 Months |
*APR=Annual Percentage Rate. No credit report is pulled on Member Advantage, Member Advantage Plus, or Pay Saver Loan. However, repayment of the loan is reported to the credit reporting agencies. Not all borrowers will qualify for the minimum/maximum loan amount. There is a $25 application fee for all application received All rates shown are for qualified borrowers. The member must meet all requirements to qualify. AFL-CIO EFCU reserves the right to change rates without advance notice. Certain restrictions and conditions may apply.
Home Equity Loan
| Loan Type | Term |
APR* As
Low As |
Estimated Payment
per $1000 Borrowed: |
|---|---|---|---|
| HELOC Advantage* | Open | 8.00% | |
| FIXED RATE 2nd | Up to 60 months | 6.75% | $19.69/60 Months |
| Up to 120 months | 7.25% | $11.75/120 Months | |
| Up to 180 months | 7.75% | $9.42/180 Months | |
| Up to 240 months | 8.25% | $8.53/240 Months |
*APR=Annual Percentage Rate. AFL-CIO EFCU reserves the right to change rates without advance notice. Rates based on credit. Not all borrowers will qualify for the lowest rate. All rates shown are for qualified borrowers. HELOC Range of Fees could be as low as $800 and as high as $2000. Fees can include flood search, title search, appraisal, closing costs. Maximum annual percentage rate (APR) that can be charged on a HELOC is 18.00% APR.
*HELOC Advantage = Interest only LOC