Loan Rates

New & Used Auto WITH Direct Deposit

CarsTrucks WITH Direct Deposit
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
3 Years 4.99% $29.97
4 Years 5.25% $23.14
5 Years 5.49% $19.10
6 Years 6.49% $16.81
7 Years 6.74% $14.97

New & Used Auto WITHOUT Direct Deposit

CarsTrucks WITH Direct Deposit
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
3 Years 5.99% $30.42
4 Years 6.25% $23.36
5 Years 6.49% $19.56
6 Years 7.49% $17.29
7 Years 7.74% $15.46

Older Vehicles >10Years

CarsTrucks WITH Direct Deposit
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
3 Years 6.99% $30.87
4 Years 7.25% $24.06
5 Years 7.49% $20.03
6 Years 8.49% $17.77
7 Years 8.74% $15.96

Holiday Loans ($5,000 MAX. )

Vacation Loans ($5,000 Max.)
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
1 Year 5.00% $85.61

Vacation Loans ($5,000 Max.)

Vacation Loans ($5,000 Max.)
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
1 Year 6.00% $86.07
18 Months 7.00% $58.68

Auto/Home Insurance Loan

Auto & Home Insurance Loan
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
1 Year 2.99% $84.70

Personal Loans*** ($500 to Max. of $25,000)

Personal Loans
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
1 Year 9.00% $87.45
2 Years 10.00% $46.14
3 Years 11.00% $32.74
4 Years 13.00% $26.83

Educational Loans

Educational Loans
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
1 year, $15,000 Max. 4.99% $85.61

Secured Loans (By shares in LFFCU with monthly payments)

Secured Loans
Term APR** Payment Per Thousand
(Based on Longest Term)
Up to 5 years 3.00% Over Savings/CD Rates 3.00% Over Savings/CD Rates

Home Equity Loans 80%LTV ($25,000 to Max. $250,000)

Home Equity Loans 80%LTV
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
5 Years 6.25% $19.45
10 Years 6.49% $11.35
15 Years 6.99% $8.98
20 Years 7.25% $7.90

Home Equity Loans 90%LTV ($25,000 to Max. $250,000)

Home Equity Loans 90%LTV
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
5 Years 7.25% $19.92
10 Years 7.49% $11.86
15 Years 7.99% $9.55
20 Years 8.25% $8.52

RV & Mobile Home Loans (Max. of $200,000)

CarsTrucks WITH Direct Deposit
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
3 Years 6.99% $30.87
4 Years 7.25% $24.06
5 Years 7.49% $20.03
6 Years 8.49% $17.77
7 Years 8.74% $15.96
10 Years 10.74% $13.63

Specialty Vehicle Loans (Max. of $100,000)

CarsTrucks WITH Direct Deposit
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
3 Years 6.99% $30.87
4 Years 7.25% $24.06
5 Years 7.49% $20.03
6 Years 8.49% $17.77
7 Years 8.74% $15.96

New & Used Motorcycle Loans (Max. of $85,000)

CarsTrucks WITH Direct Deposit
Term APR**(Credit & Promotional Rates applied) Payment Per Thousand
(Based on Longest Term)
3 Years 5.99% $30.42
4 Years 6.25% $23.36
5 Years 6.49% $19.56
6 Years 7.49% $17.29
7 Years 7.74% $15.46

Rates and Discounts:
Rates are based on individual creditworthiness and may vary depending on your credit score and financial history.

Members who maintain qualifying direct deposit relationships may receive up to a 1.00% APR discount on eligible loans. Note: Posted APRs include the maximum available rate discount for qualifying direct deposit relationships.

All rates, terms, and conditions are subject to change without notice and may vary by loan type. Membership eligibility required. Additional restrictions may apply.