*APR (Annual Percentage Rate). Introductory rate: Available for new Home Equity Line of Credit only. The Introductory rate is fixed for the first 6 months. Non-introductory rate: Variable and the index used is the Wall Street Journal Prime rate as quoted on the last day of the 2nd month of the preceding quarter. Rates are adjusted quarterly, currently 6.00%. 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 $300. 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.

+ Loyalty discount is available to any member that meets any one of the following criteria, if criteria is not met rate is 4.88% APR for the Line of Credit and 6.88% for the Home Equity Loan:
1. Minimum 5 years as a member.
2. LCCU Checking with Bill Pay
4. LCCU Checking with ACH deposit of Net Check
5. LCCU combined loan balance of $10,000 (prior to funding current request).

** 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 Balance Transfer APR does not apply to purchases or cash advances.

See your Credit Card Agreement for any other applicable transaction fees.