*APR= Annual Percentage Rate based on credit score and term of loan. Fixed rates ef­fective November 1, 2019. Programs, rates, terms, and conditions are subject to change without notice. Subject to credit approval. AEFCU Membership required and lowest published rate includes 0.25% rate discount for automatic payment from an AEFCU Checking account. Payment example: $2,000.00 loan at 5.74% APR for 12 months is equal to a monthly payment of $171.93.