*APR = Annual Percentage Rate. "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).