Rates & Fees

LOAN RATES

Effective 04/11/2017

For a New Auto, Boat, or Motorcycle we loan up to 100% of the Window Sticker Value. For Used items we loan up to 100% of NADA Value. Restrictions apply to condition of Auto, Boat or Motorcycle.

Loan Type
Terms
APR%* Rates as low as:
New Auto
up to 48 Months
1.89%
up to 60 Months
1.99%
up to 84 Months
2.89%
Used Auto
up to 48 Months
 2.69%

up to 60 Months

2.79%

up to 72 Months

3.69%

Call for Motorcycle/Boats/ATV/etc.

* Credit Score must qualify for certain rates. Your rate

* Annual Percentage Rate depends on loan amount, term, credit history, and vehicle age and condition. Rates do not apply for current loans at LFCU. Maximum terms available are 72 months. Rates are subject to change without notice.Other terms and conditions may apply on all loans. Max amount loaned 60,000.00. Limited time only. Other restrictions may apply.


Secured and Unsecured Loans

 

Loan Type:* % APR As Low As*: Maximum Month Term for Lowest APR**: Maximum $ Amount*
Share Secured Loan

1.35%

36 Mo.

100% of Shares

Share Certificate Secured

1.25 over Current Rate

Certificate Maturity Date

100% of Shares

Home Equity Line of Credit

*3.50%

Introductory Rate

180 Mo.

 $ 200,000.00

Second Mortgage (Fixed)

2.79%

60 Mo.

$ 200,000.00

Signature Loan

6.49%

48 Mo.

$ 10,000.00

Vacation Loan

15.00%

12 Mo.

$ 3,000.00

Holiday Loan

15.00%

12 Mo.

$ 2,500.00

Quick Cash Loan

15.00%

6 Mo.

$600.00

Click here for Real Estate Loan Information

Real Estate Loan Application Here

QUICK LOAN APPLICATION

*All loan rates except Home Equity Line of Credit are a fixed rate. Your rate, loan amount, and term may differ than above charts lowest APR and MAX dollar amount loaned based on your credit performance, credit history, and other certain requirements for each type of loan.*Quick Cash has a $20.00 Application fee for first time, $10.00 subsequent, amounts and time vary depending on Credit Worthiness. *APR= Annual Percentage Rate.
*The maximum annual percentage rate on Home Equity Line of Credit is 12%. Estimated mortgage fees from $350 to $500 (if applicable). Must meet credit requirements. Rates are subject to change without notice. HELOC of 4.5% Annual Percentage Rate is adjustable and is the current prime rate of 4.0% plus plus a margin based on credit score. Rates subject to change on April 1st and October 1st. Actual rate based on credit score. Interest cannot increase more than 2% per calendar year. Ceiling 12% APR/Floor 4.5%APR. First advance minimum of $10,000—Maximum 200,000.00. Amounts Based on 80% Loan to Value. Primary Resident Only. Appraisal fee applies. * Introductory rate is for new loans, where a minimum of a year your rate would be 3.50% until the next change (4/1 or 10/1) your rate would change to the current prime rate + the current advertised margin.


SHARE CERTIFICATES RATES*

As of December 1, 2016

*APY= Annual Percentage Yield. Minimum deposit: $1,000. Interest compounded & paid quarterly. Transfer any amount $1,000 or over from your Shares to a CD. Rates Subject to change without notice. Federally Insured by NCUA

Term
APY*
6 Months
.30%

9 Months

.60%

1 Year
.50%
2 Year
.80%
27 Months
1.00%
3 Year
1.05%
4 Year
1.50%
5 Year Special
2.05%