Loan Rates

NEW (Under 10,000 miles)

Credit score of 600+

Term

Rate as low as*

60 Months

1.99%

72 Months

2.75%

80 Months

4.15%

USED (2013 – 2020)

CREDIT SCORE OF 700+ CAN LOAN UP TO 90% OF RETAIL

Term

Rate as low as*

60 Months

2.75%

72 Months

2.75%

USED (2007 – 2012)

Term

Rate as low as*

48 Months

4.00%

ANTIQUE AUTOS

9 years and older from the oldest used year model

Term

Rate as low as*

48 Months

7.25%

BOATS, MOTORCYCLES, ATV, FARM EQUIPMENT*

2012 – 2019 up to $10,000.00

Term

Rate as low as*

Up to 72 Months

4.75%

Lawnmower

Up to $5,000.00

Term

Rate as low as*

Up to 36 Months

5.00%

Signature Loan

Credit score of 600+

Term

Rate as low as*

Up To

24 Months

12.0%

$2,000.00

72 Months

1.99%

$2,500.00

Stimulus Relief Loan COVID-19

Term

Rate as low as*

Up To

60 Months

5.00%

$5,000.00

Back to School

$25.00 processing fee

Term

Rate as low as*

Up To

July, August, September

0.00%

$500.00

Any Reason Loan

Maximum credit score of 600 +

Term

Rate as low as*

Up To

12 Months

7.00%

$3,500.00

24 Months

8.00%

$3,500.00

Share Secured

2% above CD rate & 3% above Share or Daily Action rate

Multi-Purpose Loan

$10,000.00 min. $45,000.00 max;

Term

Rate as low as*

Up To 84 Months

5.90%

(Only available for collateral with title or UCC1)

*with approved credit. Must meet certain requirements. Rates can change without notice.

Home Improvement Loan

(Available April, May, June, October, November, December)

Term

Rate as low as*

Up To

10.0%

$5,000.00

Fixed-Rate Mortgages

Minimum credit score of 600. 80% of appraisal. If refinancing a LCTCU loan a minimum of $7,500.00 cash out to change to fixed rate.

Term

Rate as low as*

7 Year

Not available at this time

3.50

15 Year

3.95%

20 Year

4.75%

Home Equity Loan

Up to 80% of appraisal less 1st mortgage balance. Primary residence only.
15 year – 5.00%A.P.R. Adjustable rate. Can change quarterly.

ADJUSTABLE-RATE MORTGAGE: (ARM): minimum credit score 600

5/1/30 4.00% A.P.R. ARM, fixed-rate (5) years. Variable-rate beginning (6th)
year. Amortize up to 30 years. Loan will balloon (20th) year.
Primary residence. Up to 2% change on variable no more than
6% over the loan life.

5/5/5 4.00% A.P.R. ARM, fixed-rate (5) years. Change date beginning (6th) year.
Amortize up to 15 years. Primary residence. Up to 2% change
on rate no more than 6% over the loan life.

5/5/5 4.04% A.P.R. ARM, fixed-rate (5) years. Change date (6th) year. Amortize up
to 30 years, balloon 20th year. Primary residence. Up to
2% change on rate no more than 6% for the life of the loan.

20 year 2.95% A.P.R. ARM, fixed-rate (5) years. Adjustable-rate beginning (6th) year.
Amortize up to 20 years. Up to 2% change on rate no more than
6% over the loan life.

20 year 5.25% A.P.R. LAND PURCHASE/REFINANCE:
Up to 70% of appraisal. Up to 20 years maximum.
Maximum dollar amount of $200,000.00

Loan Rates effective as of: 9/10/2020

APY = Annual Percentage Yield.
APR = Annual Percentage Rate.
ARM = Adjustable Rate Mortgage, rates adjust annually.

Skip to content