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Loan Services
|
Months |
APR |
|
New Vehicles 2008-2010 |
36-84 months
| 3.85% to 18.00%*
|
| Used Vehicles 2005-2007 |
36-72 months
| 4.60% to 18.00%*
| | Used Vehicles 2000-2004 |
36-72 months
| 5.50% to 18.00%*
| | New RV/Boat 2009-2010
| 36-180 months
| 6.24% to 18.00%
|
| Used RV/Boat 2003-2008
| 36-180 months
| 6.49% to 18.00%
|
| Used RV/Boat 1999-2002
| 36-180 months
| 8.24% to 18.00%
|
| Other Collateral
| 36-72 months
| 8.24% to 18.00%
|
| Home
Equity Line of Credit |
| 3.25% (v)1 |
Home Equity Loan
Terms up to 5 years |
| 5.00%(f)-11.00%(f)2+ |
Home Equity Loan
Terms up to 15 years |
|
6.00%(f) - 12.00%(f)3+ |
Home Equity Loan
Terms up to 20 years |
| 6.5%(f)-12.5%(f)4+ |
Home Equity ARM
Terms up to 5 years |
|
4.24%(v)5 | VISA Platinum
No
annual fee
|
| 3.9%(f)
6-month purchase and balance transfer rate**
12.9%(f) thereafter |
VISA Share Secured
No annual fee
|
| 10.00% (v)
| Personal Loan
| 36-72 months
| 9.99% to 19.99%
| | New Motorcycle 2009-2010 |
36-72 months
| 6.74% to 18.00%
| | Used Motorcycle 2003-2008 |
36-72 months
| 6.99% to 18.00%
|
Rates
effective as of November 1, 2009 and subject to change.
APR = Annual Percentage Rate
(f) = fixed rate
(v) = variable rate
Loan rates vary, based upon each member's individual credit history and
loan term selected. All loans are subject to credit approval and our
lending policies.
* The loan payment for the auto loan must be
enrolled for an automated loan payment from an LCCU Account. For rate
without automatic payment, add 0.50%. If loan term exceeds 74 months,
add 0.50%.
+
There is a .25% basis point discount if the loan is in first position.
1
APR (Annual Percentage Rate).
Only available for new Home Equity Lines of Credit. Rate is variable and
the index used is the US Prime rate published in the Wall Street Journal as quoted on the last
day of the 2nd month of the preceding quarter (November, February, May,
August). Maximum lifetime APR is 15%. Credit Union pays the closing
costs, which include: flood determination, title insurance and recording
fees, up to $300. Applicant pays appraisal if needed. The costs typically
range from $0 to $450. There will be prepayment penalty of $300 if loan is
paid off and closed prior to 3 years from loan origination. Primary
residence only. Membership requirements apply. Subject to application and
credit approval.
2
APR (ANNUAL PERCENTAGE RATE) APR
effective November 1, 2009 and subject to change without notice. Fixed rate
loan as low as 5.00% APR. The rate you qualify for is determined by
application and credit information. Credit Union pays the closing costs,
which include: flood determination, title insurance and recording fees up to
$300. Applicant pays appraisal if needed. The costs typically range from $0
to $450. There will be a prepayment penalty of $300 if loan is paid off and
closed prior to 3 years from loan origination. Primary residence only,
maximum LTV is 80%. Membership requirements apply. Subject to application
and credit approval.
3
APR (ANNUAL PERCENTAGE RATE) APR effective
November 1, 2009 and subject to change without notice. Fixed rate loan as low
as 6.00% APR. The rate you qualify for is determined by application and
credit information. Credit Union pays the closing costs, which include:
flood determination, title insurance and recording fees up to $300.
Applicant pays appraisal if needed. The costs typically range from $0 to
$450. There will be a prepayment penalty of $300 if loan is paid off and
closed prior to 3 years from loan origination. Primary residence only,
maximum LTV is 80%. Membership requirements apply. Subject to application
and credit approval.
4
APR (ANNUAL PERCENTAGE RATE) APR effective
November 1, 2009 and subject to change without notice. Fixed rate loan as low
as 6.50% APR. The rate you qualify for is determined by application and
credit information. Credit Union pays the closing costs, which include:
flood determination, title insurance and recording fees up to $300.
Applicant pays appraisal if needed. The costs typically range from $0 to
$450. There will be a prepayment penalty of $300 if loan is paid off and
closed prior to 3 years from loan origination. Primary residence only,
maximum LTV is 80%. Membership requirements apply. Subject to application
and credit approval.
5 APR (Annual Percentage Rate).
Only available for new Home Equity ARM loans. The annual percentage rate is
based on a margin and an index. The index is the Prime Rate as published by
the Wall Street Journal. The annual percentage can change every five years
on the anniversary date of the day we disburse funds. We will use the most
recent index value as of the last day of the previous month prior to
disbursal rounded to the nearest .25%. Maximum APR is 15%. Credit Union pays
the closing costs, which include: flood determination, title insurance and
recording fees, up to $300. Applicant pays appraisal if needed. The costs
typically range from $0 to $450. There will be a prepayment penalty of $300
if loan is pay off and closed prior to 3 years from loan origination.
Primary residence only. Membership requirements apply. Subject to
application and credit approval.
**
The promotional balance Transfer APR is good for all balance
transfers for the first six billing cycles. Beginning on the first day
of the thirteenth billing cycle, the Periodic Rate and corresponding APR
will increase to the standard rates set forth in section (12) for
purchases and cash advances. Your Balance Transfer APR may end sooner if
any Total Minimum Payment Due is not received by the Payment Due Date.
Then, as of the first day of the billing cycle in which the event
occurs, the Balance Transfer APR will end. Thereafter, the APRs for all
new and outstanding Balance Transfers will be increased to the APR as
set forth in your Credit Card Agreement. Please note the does not apply to cash advances.
See your Credit Card Agreement for any
other applicable transaction fees.
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