| Effective as of:
|
| "As Low As" rates listed are our best fixed rates on approved credit and include a 1% rate discount for Automatic Payment (AutoPay) when transferred from a LFCU checking account. Actual interest rate offered may be higher depending on applicant's credit rating and other underwriting factors. In some instances we may require borrowers to purchase Guaranteed Auto Protection on new and used auto loans. Rates are 1% higher without AutoPay from checking; maximum 17.99% APR. Rates for Visa, ReadyLine, and Shares and Certificate-Secured loans are as stated (no AutoPay discount available). Auto loans available in AZ, CA, DC, FL, MA, MD, ME, NH, NV, TX and VA only. |
|
Fixed Rate Vehicle Loans |
|
Type |
Financing |
Annual Percentage Rate
(APR)
As Low As |
Minimum
Loan Amount |
Term |
Estimated Monthly Payment based on "As Low As" Rate |
|
New Autos |
Up to 110% Financing
(Based upon Creditworthiness) |
4.74%
5.24%
5.24% |
$10,000
$15,000
$30,000 |
60 Mos.
72 Mos.
84 Mos. |
$18.76 per $1,000
$16.22 per $1,000
$14.26 per $1,000 |
|
|
Up to 110% Financing
(Based upon Creditworthiness) |
5.24%
5.74%
5.74% |
$10,000
$15,000
$30,000 |
60 Mos.
72 Mos.
84 Mos. |
$18.99 per $1,000
$16.46 per $1,000
$14.49 per $1,000 |
|
New Motorcycles |
Up to 90% Financing
(Based upon Creditworthiness) |
6.99% |
$10,000
$15,000
$30,000 |
60 Mos.
72 Mos.
84 Mos. |
$19.80 per $1,000
$17.05 per $1,000
$15.09 per $1,000 |
|
|
Up to 90% Financing
(Based upon Creditworthiness) |
7.49% |
$10,000
$15,000
$30,000 |
60 Mos.
72 Mos.
84 Mos. |
$20.04 per $1,000
$17.29 per $1,000
$15.34 per $1,000 |
New
Motor Homes
(Must have permanent engine, bathroom, cooking, and sleeping facilities) |
Up to 90% Financing
(Based upon Creditworthiness) |
7.49% |
$10,000
$15,000
$30,000
$50,000 |
60 Mos.
72 Mos.
84 Mos.
180 Mos. |
$20.04 per $1,000
$17.30 per $1,000
$15.34 per $1,000
$9.27 per $1,000 |
|
Used
Motor Homes
(Must have permanent engine, bathroom, cooking, and sleeping facilities) |
Up to 90% Financing
(Based upon Creditworthiness) |
7.74% |
$10,000
$15,000
$30,000
$50,000 |
60 Mos.
72 Mos.
84 Mos.
180 Mos. |
$20.16 per $1,000
$17.42 per $1,000
$15.47 per $1,000
$9.42 per $1,000 |
|
New
Recreational
Vehicles
(Including Motorcycles, Jet Skis, Snowmobiles) |
Up to 90% Financing
(Based upon Creditworthiness) |
8.99% |
$10,000
$15,000
$30,000
$50,000 |
60 Mos.
72 Mos.
84 Mos.
180 Mos. |
$20.76 per $1,000
$18.02 per $1,000
$16.09 per $1,000
$11.38 per $1,000 |
|
Used
Recreational
Vehicles
(Including Motorcycles, Jet Skis, Snowmobiles) |
Up to 90% Financing
(Based upon Creditworthiness) |
9.99% |
$10,000
$15,000
$30,000
$50,000 |
60 Mos.
72 Mos.
84 Mos.
180 Mos. |
$21.25 per $1,000
$18.53 per $1,000
$16.60 per $1,000
$11.95 per $1,000 |
|
Personal
(Computer, Vacation, etc.) |
N/A |
11.99% |
$1,500
$2,500
$10,000 |
24 Mos.
36 Mos.
48 Mos. |
$47.05 per $1,000
$33.20 per $1,000
$26.32 per $1,000 |
|
Variable Rate Share-Secured Loans |
|
Type |
Annual Percentage Rate
(APR)
|
Loan Amount |
Term |
Rate Margin |
Rate Floor/Ceiling |
|
Share-Secured |
Variable |
Up to 100% of Share |
Up to 60 mo. |
2% above highest Share Dividend Rate |
Rate Floor = 2%
Rate Ceiling = 18% |
|
Fixed Rate Certificate-Secured Loans |
|
Type |
Annual Percentage Rate
(APR)
|
Loan Amount |
Term & Estimated Monthly Payment |
|
Certificate-Secured |
2.50% above Certificate Dividend Rate
(rounded up to the nearest .25%) |
Up to 90% of Certificate
|
Term & Monthly Payment Based on
Certificate Maturity Date |
Visa and ReadyLines of Credit
|
|
Visa Platinum |
No Annual Fee |
Variable rate as low as
8.24% APR
Learn more |
Payment is 2% of balance with minimum of $10
Variable Rate: Prime Rate (index) plus margin as low as 4.99% |
|
Visa Platinum Rewards |
No Annual Fee |
Variable rate as low as
9.24% APR
Learn more |
Payment is 2% of balance with minimum of $10
Variable Rate: Prime Rate (index) plus margin as low as 5.99% |
|
ReadyLine
of Credit
Discontinued
7/15/04 |
No Annual Fee |
As Low As 9.99% to 17.99% APR |
Payment is 10% of the annual interest rate, multiplied by the outstanding balance of your ReadyLine of Credit Account, but not less than $5.00 per payment frequency. |
