LOAN RATES
Effective 6/1/2024
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. There is now a $10.00 application fee.
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Loan Type
|
Terms
|
APR%* Rates as low as:
|
|
New Auto
|
up to 48 Months
|
4.69%
|
|
up to 60 Months
|
4.79%
|
|
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up to 84 Months
|
5.69%
|
|
|
Used Auto
|
up to 48 Months
|
4.99%
|
|
up to 60 Months |
5.09% |
|
|
up to 72 Months |
5.99% |
|
| Call for Motorcycle/Boats/ATV/etc. |
* Credit Score must qualify for certain rates.
* 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 84 months. Rates are subject to change without notice. Other terms and conditions may apply on all loans. Max amount loaned $75,000.00. 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 |
1.70%* over Current Rate |
36 Mo. |
100% of Shares |
| Share Certificate Secured |
2.60%* over Current Rate |
60 Mo. |
100% of Shares |
| Second Mortgage (Fixed) |
6.64%* |
60 Mo. |
$ 250,000.00 |
| Signature Loan |
8.49%* |
48 Mo. |
$ 10,000.00 |
| Vacation Loan |
9.99%* |
12 Mo. |
$ 2,000.00 |
| Holiday Loan |
9.99%* |
12 Mo. |
$ 2,000.00 |
| Quick Cash Loan |
24.00%* |
6 Mo. |
$600.00 |
Real Estate Loan Application Here
*All loan rates 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 terms vary depending on Credit Worthiness.
*APR= Annual Percentage Rate.
*Estimated mortgage fees from $400 to $800 (if applicable). Must meet credit requirements. Rates are subject to change without notice. Appraisal fee applies.
*All loan types are subject to a $10 loan application fee which is required before a loan can begin to be processed. (Except for an applicant’s first time applying for a quick loan, which is a $20 loan application fee.)
SHARE CERTIFICATES RATES*
As of December 2, 2024
*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
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Term
|
APY*
|
|
6 Months
|
4.50%
|
|
9 Months
|
4.25%
|
|
1 Year
|
3.00%
|
|
2 Year
|
3.10%
|
|
27 Months
|
3.15%
|
|
3 Year
|
3.20%
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4 Year
|
3.30%
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5 Year
|
3.40%
|
