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AFL-CIO Employees FCU Personal Loan Calculator & Overview

Carla Soto
Carla Soto
Updated 27 July 2023
Fact checked

AFL-CIO Employees Federal Credit Union logo

The AFL-CIO Employees Federal Credit Union was created in 1952. This federally chartered credit union now serves 9,723 members from two locations. AFL-CIO Employees FCU has $76 million in assets.

Is an AFL-CIO Employees FCU personal loan right for you? Use the AFL-CIO Employees FCU personal loan calculator today. You can determine how much you can borrow or what interest rates you qualify for.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

 

AFL-CIO Employees FCU personal loans summary

AFL-CIO Employees Federal Credit Union offers secured and unsecured personal loans, which you can use at your discretion. Financing a new purchase, establishing a line of credit, or consolidating debt? Here, you’ve got several loan options to suit your financial needs.

AFL-CIO EFCU loan features

Listed below is what you’re getting with an AFL-CIO Employees FCU personal loan:

Unsecured Loans:

  • Loan amounts: $300 to $3,000
  • Loan terms: 12 months to 36 months
  • Repayment frequency: Monthly
  • Interest rates: APR 9.55% to 17.99%
  • No credit check required. However, payment history will be reported.

Secured Loans:

  • Loan amounts: $35,000 maximum
  • Loan terms: Between 12 months and 72 months
  • Repayment frequency: Monthly
  • Interest rates: minimum APR 7.99% (for up to 48 months); minimum APR 8.99% (for up to 72 months)
  • Apply with a co-borrower. This will boost your chances of approval

AFL-CIO EFCU loan requirements

Here are the criteria you must meet to apply for a AFL-CIO EFCU personal loan:

Unsecured Loans:

  • Must be a credit union member for at least six [6] months
  • Must be a member in good standing; no delinquencies on any AFL-CIO EFCU account
  • Non-refundable application fee of $25
  • Only one loan open at a time
  • Only two loans allowed per calendar year

Secured Loans:

The website doesn’t fully disclose the criteria for applying for a secured loan. However, you will likely need to provide the following:

  • Proof of identity
  • Proof of US address
  • Purpose for the personal loan
  • Proof of income
  • Your credit score
  • Co-signer/guarantor
  • Credit Union savings account or certificate of deposit (CD)

AFL-CIO Employees FCU personal loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
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Loan Amount

$20,000

Term

3 months

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AFL-CIO Employees Federal Credit Union

AFL-CIO Employees Federal Credit Union personal loans (Share Secured/Regular)

AFL-CIO Employees Federal Credit Union personal loans (Share Secured/Regular)
Estimated Month Repayments
$582 Inclusive of fees
Interest Rate
3.00%
APR
Repayment Period
12 months
to 120 months
Loan Amounts
$1,000
to $20,000
Go to site
Whether you need to consolidate debt, establish a line of credit or finance a new purchase, we have a lending product to suit your needs.
AFL-CIO Employees Federal Credit Union

AFL-CIO Employees Federal Credit Union personal loans (Share Certificate Secured)

AFL-CIO Employees Federal Credit Union personal loans (Share Certificate Secured)
Estimated Month Repayments
$582 Inclusive of fees
Interest Rate
3.00%
APR
Repayment Period
1 month
to 80 months
Loan Amounts
$1,000
to $20,000
Go to site
Whether you need to consolidate debt, establish a line of credit or finance a new purchase, we have a lending product to suit your needs.
AFL-CIO Employees Federal Credit Union

AFL-CIO Employees Federal Credit Union personal loans (Share Secured Line of Credit)

AFL-CIO Employees Federal Credit Union personal loans (Share Secured Line of Credit)
Estimated Month Repayments
$602 Inclusive of fees
Interest Rate
5.25%
APR
Repayment Period
1 month
to 80 months
Loan Amounts
$1,000
to $20,000
Go to site
Whether you need to consolidate debt, establish a line of credit or finance a new purchase, we have a lending product to suit your needs.
AFL-CIO Employees Federal Credit Union

AFL-CIO Employees Federal Credit Union personal loans (Bill Payer/Debt Consolidation ($35,000 Maximum))

AFL-CIO Employees Federal Credit Union personal loans (Bill Payer/Debt Consolidation ($35,000 Maximum))
Estimated Month Repayments
$617 Inclusive of fees
Interest Rate
6.99%
APR
Repayment Period
12 months
to 48 months
Loan Amounts
$1,000
to $35,000
Go to site
Whether you need to consolidate debt, establish a line of credit or finance a new purchase, we have a lending product to suit your needs.
AFL-CIO Employees Federal Credit Union

AFL-CIO Employees Federal Credit Union personal loans (Holiday Loan)

AFL-CIO Employees Federal Credit Union personal loans (Holiday Loan)
Estimated Month Repayments
$617 Inclusive of fees
Interest Rate
6.99%
APR
Repayment Period
12 months
to 48 months
Loan Amounts
$1,000
to $20,000
Go to site
Whether you need to consolidate debt, establish a line of credit or finance a new purchase, we have a lending product to suit your needs.
AFL-CIO Employees Federal Credit Union

AFL-CIO Employees Federal Credit Union personal loans (Tax Loan)

AFL-CIO Employees Federal Credit Union personal loans (Tax Loan)
Estimated Month Repayments
$617 Inclusive of fees
Interest Rate
6.99%
APR
Repayment Period
12 months
to 48 months
Loan Amounts
$1,000
to $20,000
Go to site
Whether you need to consolidate debt, establish a line of credit or finance a new purchase, we have a lending product to suit your needs.
AFL-CIO Employees Federal Credit Union

AFL-CIO Employees Federal Credit Union personal loans (Personal/Signature Loan ($35,000 Maximum))

AFL-CIO Employees Federal Credit Union personal loans (Personal/Signature Loan ($35,000 Maximum))
Estimated Month Repayments
$617 Inclusive of fees
Interest Rate
6.99%
APR
Repayment Period
12 months
to 48 months
Loan Amounts
$1,000
to $35,000
Go to site
Whether you need to consolidate debt, establish a line of credit or finance a new purchase, we have a lending product to suit your needs.
AFL-CIO Employees Federal Credit Union

AFL-CIO Employees Federal Credit Union personal loans (Personal/Signature Loan ($35,000 Maximum))

AFL-CIO Employees Federal Credit Union personal loans (Personal/Signature Loan ($35,000 Maximum))
Estimated Month Repayments
$627 Inclusive of fees
Interest Rate
7.99%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $35,000
Go to site
Whether you need to consolidate debt, establish a line of credit or finance a new purchase, we have a lending product to suit your needs.
AFL-CIO Employees Federal Credit Union

AFL-CIO Employees Federal Credit Union personal loans (Bill Payer/Debt Consolidation ($35,000 Maximum))

AFL-CIO Employees Federal Credit Union personal loans (Bill Payer/Debt Consolidation ($35,000 Maximum))
Estimated Month Repayments
$627 Inclusive of fees
Interest Rate
7.99%
APR
Repayment Period
12 months
to 60 months
Loan Amounts
$1,000
to $35,000
Go to site
Whether you need to consolidate debt, establish a line of credit or finance a new purchase, we have a lending product to suit your needs.
AFL-CIO Employees Federal Credit Union

AFL-CIO Employees Federal Credit Union personal loans (Signature LOC/Overdraft Protection Line of Credit)

AFL-CIO Employees Federal Credit Union personal loans (Signature LOC/Overdraft Protection Line of Credit)
Estimated Month Repayments
$636 Inclusive of fees
Interest Rate
9.00%
APR
Repayment Period
1 month
to 80 months
Loan Amounts
$1,000
to $20,000
Go to site
Whether you need to consolidate debt, establish a line of credit or finance a new purchase, we have a lending product to suit your needs.
Featured
Wells Fargo

Wells Fargo personal loans

Estimated Month Repayments
$606 Inclusive of fees
Interest Rate
5.74%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$3,000
to $10,000
Go to site
Checking and savings accounts and credit cards for your everyday business expenses and cash management.
Featured
Eastman Credit Union

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments
$848 Inclusive of fees
Interest Rate
29.90%
APR
Repayment Period
12 months
to 12 months
Loan Amounts
$1,000
to $20,000
Go to site
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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

Frequently asked questions

What kinds of unsecured loans are available at AFL-CIO Employees Federal Credit Union?

First, a Pay Saver Loan allows you to borrow money between $300 and $700. Second, Member Advantage and Member Advantage Plus have $1000 and $1500 loan amounts, respectively. Third, the Fresh Start Loan has a minimum $1000 and a maximum $3000 loan amount.

What is the minimum credit score required for an AFL-CIO EFCU loan?

AFL-CIO EFCU does not clearly disclose credit scores on their website. However, you can get one from credit reporting agencies.

Can I apply for an AFL-CIO EFCU personal loan if I am not a member?

No, you can’t. But it’s easy to become a member. Just open a regular savings account for only $5. Wait for 6 months before applying for a personal loan.

What is the Inflation Rate Reduction Program?

This is available for members who apply for an AFL-CIO EFCU loan. They are eligible for a reduced rate of 0.25% to 0.50%. However, you should consult the credit union’s representation for further information about exceptions.

Is AFL-CIO Employees FCU mobile banking available?

Yes, a mobile app is available for easy access to your AFL-CIO Employees FCU account. If you need help getting started, check out the website for instructions.

Video: Watch this before deciding to take out a loan at AFL-CIO Employees FCU

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Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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