Loan Rates

*APR=Annual Percentage Rate.  Home Equity Closed End Fixed Rate term loan requires a minimum of 25,000 in new funds, up to 90% loan to value. Appraisal fee and other fees may apply.  Offer may be withdrawn at any time and is not good in conjunction with any other offer.  Monthly estimated payments on $1,000 for 120 months at 6.00% will be $11.10.  Monthly estimated payments on $1,000 for 180 months at 6.50% is $8.71.  Actual Rate may vary based on credit score, loan-to-value and other credit or loan terms.  Property insurance is required. 

After 6 months rate is tiered to prime + a possible margin.
Rates as low as 3.25% APR*

Rates and information are subject to change at any time. *APR = Annual Percentage Rate. Home Equity Line of Credit (HELOC) promotional rate of 1.99% APR* is available on all new money advanced for a 6 month period of time from the date of the loan closing. Up to 90% LTV, 1st or 2nd lien position. Loan payment(s) begins upon initial advance. Monthly payment may vary and is based upon the outstanding principal balance as of the time of the last advance X 1.50% (e.g. $20,000 balance would result in a $300 minimum monthly payment). The promotional annual percentage rate will automatically terminate at the end of the promotional period. No notice to borrower required. Minimum credit line amount $10,000. Minimum initial advance $1,000; minimum subsequent advances $100. Interest rate is variable. Following the promotional period, the interest rate will be equal to the prime rate or prime rate plus 1% as published in the last issue of the Wall Street Journal on the last business day of the preceding month. The maximum APR* is 18% or the maximum Annual Percentage Rate allowed by applicable law, whichever is less. Minimum APR* is 3.25%. Minimum payments may result in a balloon payment at the end of the loan term. Other restrictions or conditions may apply. LFCU NMLS #: 408899