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Current Loan Rates
     

Rates Effective September 17, 2013. Rates subject to change at any time.

NEW & USED AUTO LOANS
 
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


HOME EQUITY LOANS
 
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


LICFCU VISA CREDIT CARDS
 
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


SECURED LOANS
 
RATE
APR*
TERM
Secured Loan
4.000%
4.000%
12 - 48 Months
Share Secured Variable Line of Credit
N/A


BOAT LOANS
 
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


STUDENT EXPENSE LOANS
 
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.

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.

     
 
 
 
 
     
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