Share Secured

This is the perfect loan if you need to start, build or repair your credit or are just looking for a very low interest rate with guaranteed approval!

How does this work and why is the rate so low?

No credit report or income verification required! No application fee. Funds currently on deposit in your share or share certificate account will be used as collateral which means there is no credit risk for LFCU.  With no risk, we can pass the savings directly on to you, the borrower, by giving you a very low interest rate.  This will generate a trade line on your credit report and history will start to report.

Up to 72 Months

3.25% APR*^ + Collateral Rate

Up to 120 Months

3.75% APR*^ + Collateral Rate

APR* – Annual Percentage Rate.
^Rates reflect a .25% APR reduction for Payroll Deduction or Auto Transfer. Your rate will increase if you discontinue Automatic Payment Service.

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If you have any questions, please contact us during normal business hours.

  • Email:
  • Phone: (717) 272-2210
    • Option 5 – Information on an existing account, loan, or to make a loan payment
    • Option 6 – To apply for a new loan or request information on a new loan
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