Lending Rates
Promotional Discount Rates Available!
| Vehicle Loans | Term (Months) | |||
| up to 36 | 48 | 60 | 72* | |
| New Auto | 1.90% | 2.40% | 2.90% | 3.50% |
| 2019 Used | 1.90% | 2.40% | 2.90% | 3.50% |
| 2018 Used | 2.40% | 2.90% | 3.40% | 4.00% |
| 2017 Used | 2.90% | 3.40% | 3.90% | 4.50% |
| 2016 Used | 3.40% | 3.90% | 4.40% | n/a |
| 2015 Used+ | 3.90% | 4.40% | 4.90% | n/a |
| 2014 Used+ | 4.40% | 4.90% | 5.40% | n/a |
| Older++ | 4.90% | 5.40% | 5.90% | n/a |
| Learn more about LCU’s Vehicle Loans | ||||
* 72 month: 100% financing on purchase price of $15,000 or more – GAP Insurance required. 2016 or newer, 100% financing available.
+ Used Vehicles older than 4 years require 20% down (80% financing).
++ Older Vehicles: NADA Used Car Guide, Class III or IV vehicles only.
Rates shown are our lowest standard rates. Your rate is based on credit performance.
All Rates Quoted as Annual Percentage Rate (APR). Rates are subject to change without notice.
Credit Cards | |
| VISA Platinum | 9.8% APR* – 17.8% APR* |
| VISA Platinum (Share Secured)+ | 8.88% APR* |
Learn more about LCU’s Credit Cards | |
* APR – Annual Percentage Rate
+ Share Secured VISA: Regular Share Account pledged up to 120% of credit limit.
| Other Loans | Term (Months) | ||||
| 12 | 24 | 36 | 48 | 60 | |
| New Recreational Vehicle | 4.90% | 4.90% | 4.90% | 4.90% | 4.90% |
| Used Recreational Vehicle | 6.40% | 6.40% | 6.40% | 6.40% | 6.40% |
| Debt Consolidation+ | 18.00% | 18.00% | n/a | n/a | n/a |
| Vehicle Collateral++ | Used Rate + 3% | n/a | |||
| Signature | 9.25% | 9.50% | 10.50% | n/a | n/a |
| Share Secured | 2.00% | 3.00% | 4.00% | n/a | n/a |
| Learn more about LCU’s Personal and Secured Loans | |||||
Recreational Vehicles include: Boats, Watercraft, Trailers, Campers and Motorcycles.
Longer terms available on New Recreational Vehicles.
Max Terms: New/2019/2018 = 60 Mth / 2017 = 48 Mth / 2016-Older = 36 Mth.
+ Debt Consolidation Loans: Maximum $5,000 for 24 months maximum term.
++ Vehicle Collateral Loans: 5 years old Max / 48 Mth Max Term.
Rates shown are our lowest standard rates. Your rate is based on credit performance.
All Rates Quoted as Annual Percentage Rate (APR).
Rates are subject to change without notice.
| Variable Rate Overdraft Lines of Credit (LOC) | |
| Amount | APR* |
| $5,000.00 to $10,000.00 | Prime Rate + 1% |
| $10,000.01 and over | Prime Rate |
| * APR – Annual Percentage Rate / Floor Rate 8% Rates are subject to change without notice |
| Fixed Rate Overdraft Lines of Credit (LOC) |
| Rates as low as 10.25% APR* |
| Safeguard your account with Overdraft Line of Credit (LOC) Protection. Avoid the fees and embarrassment of bouncing checks or automatic payments. |
| Learn more about LCU’s Overdraft LOC Protection and Checking accounts |
* APR – Annual Percentage Rate
Rates are subject to change without notice
| Home Equity Loans | ||
| Term | Loan Type | APR* |
| 60 Mo. | Fixed Rate / Closed End+ | 5.00% |
| 84 Mo. | Fixed Rate / Closed End+ | 6.00% |
| 120 Mo. | Fixed Rate / Closed End+ | 6.50% |
| 180 Mo. | Fixed Rate / Closed End+ | 7.00% |
| 180 Mo. | Variable Rate Open End Line Of Credit++ | Prime Rate** |
Learn more about LCU’s Home Equity loans | ||
* APR – Annual Percentage Rate
+ First Lien position receives a 1.00% APR discount, maximum amount $100,000 – 80% CLTV
>++ No closing fees with a $10,000 advance at closing. If you close the Line of Credit within a year of its opening, you will be required to reimburse the credit union for certain third party fees up to a maximum of $626.
** Prime Rate based on 80% CLTV / Floor Rate 4.00%
Rates are subject to change without notice
Restrictions Apply
