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CONSUMER AND AUTO LOAN RATES  




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).  
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)
 
4.99%
4.99%
4.99%
4.99%
5.49%
5.49%
No Minimum
No Minimum
No Minimum
$10,000
$15,000
$30,000
24 Mos.
36 Mos.
48 Mos.
60 Mos.
72 Mos.
84 Mos.
$43.87 per $1,000
$29.97 per $1,000
$23.03 per $1,000
$18.87 per $1,000
$16.34 per $1,000
$14.37 per $1,000
Used Autos
 
 
Up to 110% Financing
(Based upon Creditworthiness)
 
5.24%
5.24%
5.24%
5.24%
5.74%
5.74%
N/A
N/A
N/A
$10,000
$15,000
$30,000
24 Mos.
36 Mos.
48 Mos.
60 Mos.
72 Mos.
84 Mos.
$43.98 per $1,000
$30.08 per $1,000
$23.14 per $1,000
$18.99 per $1,000
$16.49 per $1,000
$14.49 per $1,000
New
Motor Homes
 (Must have permanent engine, bathroom, cooking, and sleeping facilities)
 
 
Up to 90% Financing
(Based upon Creditworthiness)
 
7.24%
 
N/A
$7,500
$15,000
$30,000
$50,000
48 Mos.
60 Mos.
72 Mos.
84 Mos.
144 Mos.
$24.07 per $1,000
$19.93 per $1,000
$17.18 per $1,000
$15.22 per $1,000
$10.42 per $1,000
Used
Motor Homes
 (Must have permanent engine, bathroom, cooking, and sleeping facilities)
 
Up to 90% Financing
(Based upon Creditworthiness)
 
7.49%
 
N/A
$7,500
$15,000
$30,000
$50,000
48 Mos.
60 Mos.
72 Mos.
84 Mos.
144 Mos.
$24.19 per $1,000
$20.05 per $1,000
$17.30 per $1,000
$15.34 per $1,000
$10.56 per $1,000
New
Recreational
Vehicles
 (Including Motorcycles, Jet Skis, Snowmobiles) 
Up to 90% Financing
(Based upon Creditworthiness)
 
8.99%
 
N/A
$7,500
$15,000
$30,000
$50,000
48 Mos.
60 Mos.
72 Mos.
84 Mos.
144 Mos.
$24.88 per $1,000
$20.75 per $1,000
$18.02 per $1,000
$16.08 per $1,000
$11.37 per $1,000
Used
Recreational
Vehicles
 (Including Motorcycles, Jet Skis, Snowmobiles)  
Up to 90% Financing
(Based upon Creditworthiness)
 
9.99%
 
N/A
$7,500
$15,000
$30,000
$50,000
48 Mos.
60 Mos.
72 Mos.
84 Mos.
144 Mos.
$25.36 per $1,000
$21.24 per $1,000
$18.52 per $1,000
$16.60 per $1,000
$11.95 per $1,000
Personal
(Computer, Vacation, etc.) 
 
N/A
 
9.99%
 
N/A
$2,500
$10,000
24 Mos.
36 Mos.
48 Mos.
$46.14 per $1,000
$32.26 per $1,000
$25.36 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 Divident 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
 
No Annual Fee
 
Platinum:  As Low As 8.99% APR
Classic:
As Low As 9.99% APR  
Pmt. is 2% of balance with minimum of $10 
ReadyLine
of Credit

Discontinued
7/15/04
No Annual Fee
As Low As  9.99% to 17.99% APR   Pmt. 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. 
All advertised rates are subject to change without notice.  APR = Annual Percentage Rate.
For more information about financing from Lockheed Federal Credit Union, please call (800) 328-LFCU.  

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