Loan Rates

NEW (Under 10,000 miles)

Credit score of 600+

Term

Rate as low as*

60 and 72 Months

2.65%

USED (2013 – 2020)

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

Term

Rate as low as*

48, 60, and 72 Months

2.65%

ANTIQUE AUTOS

9 years and older from the oldest used year model

Term

Rate as low as*

48 Months

7.25%

BOATS, MOTORCYCLES, ATV, LAWN MOWER, UTV, FARM EQUIPMENT* 

2015 – 2022 with a maximum loan of $49,000.00
Minimum credit score of 600

$25.00 filing fee and GAP (when available) will be required

Term

Rate as low as*

Up to 72 Months

3.75%

Any Reason Loan

Minimum credit score of 600 +

Term

Rate as low as*

Up To

Up to 48 Months

7.00%

$10,000.00

Share Secured

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

(Only available for collateral with title or UCC1)

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

Fixed-Rate Mortgages

Minimum credit score of 650. 80% of appraisal. If refinancing an LCTCU loan a minimum of $7,500.00 cash out to change to a fixed rate.

Term

Rate as low as*

7 Year

Not available at this time

3.50%

15 Year

3.95%

20 Year

4.75%

30 Year

3.00%

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 2.75% A.P.R. ARM, fixed-rate (5) years. Variable-rate beginning (6th)
year. Amortize up to 30 years. The loan will balloon (20th) year.
Primary residence. Up to 2% change on a variable no more than
6% over the loan life.

5/5/ 2.50% 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 3.00% 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 the rate of 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 3.75% A.P.R. LAND PURCHASE/REFINANCE:
Up to 70% of appraisal. Up to 20 years maximum.
Maximum dollar amount of $200,000.00.

Rates subject to change. Please contact the credit union to confirm the most current rate.Loan Rates effective as of: March 1, 2022.

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

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