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%
2016 Used 1.90% 2.40% 2.90% 3.50%
2015 Used 2.40% 2.90% 3.40% 4.00%
2014 Used 2.90% 3.40% 3.90% 4.50%
2013 Used 3.40% 3.90% 4.40%

n/a

2012 Used+ 3.90% 4.40% 4.90%

n/a

2011 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.
+ 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, Trailers, Campers and Motorcycles.
Longer terms available on New Recreational Vehicles.
Max Terms: New/2015/2014 = 60 Mth / 2013 = 48 Mth / 2012-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

2701 N 25th Avenue Franklin Park, IL 60131 Call 847-455-8440 Fax 847-455-1245 Contact Us