|
Rates
Effective September 17, 2013. Rates subject to change at
any time.
|
|
| |
RATE |
APR* |
TERM |
| New Auto** |
4.99% |
4.990% |
Up To 36 Months |
| New Auto*** |
5.49% |
5.490% |
Up To 60 Months |
| New Auto*** |
6.75% |
6.750% |
UP TO 72 Months |
| Used Auto** |
6.50% |
6.500% |
Up To 36 Months |
| Used Auto**** |
6.50% |
6.500% |
Up To 60 Months |
| |
|
|
| |
RATE |
APR* |
TERM |
| Fixed Home Equity |
5.49% |
5.49% |
Terms up to 15 years |
| Fixed Home Equity |
|
|
|
| Fixed Home Equity |
|
|
|
| Home Equity LOC Special
Intro Offer |
4.00% |
4.00% |
Variable up to 15 years |
| Limited Equity Home
Loan |
|
|
|
| |
| PERSONAL/DEBT
CONSOLIDATION LOANS |
|
|
| |
RATE |
APR* |
TERM |
Debt Consolidation Special**
|
9.990% |
9.990% |
12 - 36 Months |
| Personal Loan |
11.990% |
11.990% |
60 Months |
| Personal Line of Credit
Loan |
11.740% |
11.740% |
N/A |
| |
|
|
| |
RATE |
APR* |
TERM |
LICFCU VISA Platinum
Card
|
As Low As
5.74% |
As Low As
5.74% |
N/A |
| LICFCU VISA Classic
Card |
As Low As
7.74% |
As Low As
7.74% |
N/A |
| LICFCU Secured VISA
Card |
Call
For Further Details. |
| |
| LICFCU FIXED RATE
VISA CREDIT CARDS |
|
|
| CREDIT SCORE |
RATE |
APR* |
TERM |
680 or Higher
|
As Low As
8.9% |
As Low As
8.9% |
N/A |
| 640- 679 |
As Low As
11.9%
|
As Low As
11.9%
|
N/A
|
| 600 -639 |
As Low As
13.9%
|
As Low As
13.9%
|
N/A
|
| 550 – 599 |
As Low As
15.9%
|
As Low As
15.9%
|
N/A
|
| 549 or below |
As Low As
17.9% |
As Low As
17.9% |
N/A |
| |
|
|
| |
RATE |
APR* |
TERM |
Secured Loan
|
4.000% |
4.000% |
12 - 48 Months |
| Share Secured Variable
Line of Credit |
|
|
N/A |
| |
|
|
| |
RATE |
APR* |
TERM |
| New Boat |
7.000% |
7.000% |
12 - 60 Months |
| New Boat |
8.000% |
8.000% |
61 - 120 Months |
| Used Boat |
7.000% |
7.000% |
12 - 60 Months |
| Used Boat |
8.000% |
8.000% |
61 - 120 Months |
| |
|
|
| |
RATE |
APR* |
TERM |
Student Loan - Up To
$3000
|
6.500% |
6.500% |
12 Months |
| Student Loans - Up To
$6000 |
6.500% |
6.500% |
12 - 24 Months |
| |
| OVERDRAFT
CHECKING LINE OF CREDIT |
|
|
| |
RATE |
APR* |
TERM |
| Overdraft Protection
LOC |
13.950% |
13.950% |
N/A |
| |
Auto Loans - 100% financing, including
tax and dealer prep fees for qualified borrowers.
** For qualified applicants. Certain
restrictions and limitations apply.
*** 60 Month New Auto Loan minimum amount $10,000
72 Month New Auto
Loan minimum loan amount NA.
**** 60 Month Used Auto Loan - auto must be less than
2 years old based on the current model year.
Business financing and business funding rates are calculated by a daily re-payment or weekly repayment. Daily payments are on business days only approximately 21 days per month on average. Your business funder either CitiWide or Advantage Funding will discuss with you the pros and cons to daily vs weekly payments. Please call or email them to setup an appointment to discuss your funding options.
Disclosure Notice: All rates quoted
include a 1% reduction for members who pay their loans
by automatic transfer from a share or share draft account.
If auto-deduction is not selected and/or maintained,
the loan rate increases by 1%. All extensions of credit
are subject to credit approval. Rates shown are the
lowest rates offered for the products advertised. Applicants,
who are not approved at these rates or terms, may be
offered credit at a higher rate and / or with different
terms. All terms are subject to change without notice.
For all variable rate loans, the APR may be increased
after consummation.
|
Equal Housing Lender.