Loans

Great rates and even better options!

Download ApplicationRates

Vehicles

New, used, or refinanced – we want to get you behind the wheel. Whether you’re looking for a new vehicle or one that’s new to you, every member can expect flexible terms and affordable rates. We also offer money-saving refinancing options! Apply online for a pre-approval today! 

Boats, Motorcycles, ATV & Farm Equipment

Don’t get stuck inside! Get out and experience the beauty of the outdoors. We can help you fulfill that dream with one of our recreational vehicle loans. 

Signature

Whether you’re facing an unexpected expense, home repairs or just looking forward to a family vacation, we can help with our Signature Loans.

Stimulus Relief Loan

The COVID-19 Relief Loan Program provides funds for any member, including those who are self-employed, who have experienced a reduction in income as a result of COVID-19.

5.0% up to $5,000.00 for 60 months.

Back-to-School

Let us help take a little stress out of the kids going back to school this year.

0% up to $500.00

$25.00 Processing Fee (July, August, September)

Home Improvement Loan

Add value to your most important investment with a flexible, no-fee home improvement loan.

10.0% up to $5,000.00 (Available April, May, June, October, November, December)

Any Reason Loan

For whatever like throws at you!

$3,500.00 Maximum credit score of 600 +

12 months @ 7.0%

24 months @ 8.0%

Share Secured

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

Lawn Mower

Green rolling lawnmower

Up to $5,000.00 @ 5% for 36 months

Multi-Purpose Loan

5.90% – $10,000.00 min. $45,000.00 max; up to 84 months
(Only available for collateral with title or UCC1)

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

Fixed Rate Mortgages

NMLS#653469
AS OF JULY 28, 2020

Green rolling lawnmower

7 year 3.50% A.P.R. Not offered at this time

15 year 4.00% A.P.R.

20 year 4.75% A.P.R.

**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.

ADJUSTABLE RATE MORTGAGE

Minimum credit score 600

5.90% – $10,000.00 min. $45,000.00 max; up to 84 months
(Only available for collateral with title or UCC1)

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

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.

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.

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.

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.

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.

Home Equity

Green rolling lawnmower

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

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