| 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 |
|
|
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 and ReadyLine of Credit (Fixed Rate Revolving Credit Lines)
|
|
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. |
