Discounts

Military and First Responder Discount

Military and First Responder Discount on:

  • Vehicle
  • RV
  • Signature Loan
  • Fixed Rate Mortgages

**First Responder Discount (Police, Fire, EMT) 0.25%

**Military Discount (Active Duty, Reserve, Guard, Veteran) 0.25% **First Responder Discount (Police, Fire, EMT)

Can not combine Military and First Responder Discount. Must have been honorably discharged. First Responders must be currently employed in their profession.

Payroll Deduction or Auto Transfer

^Rates reflect a 0.25% APR reduction for Payroll Deduction or Auto Transfer. Your rate will increase if you discontinue Automatic Payment Service.

Auto

Car | Truck | Motorcycle (NEW & USED)

Up to 36 Months 2019 & Newer 2.75% APR*^
Up to 63 Months 2019 & Newer 3.00% APR*^
Up to 75 Months 2019 & Newer 3.25% APR*^
Up to 84 Months 2019 & Newer 3.75% APR*^
Up to 36 Months 2018-2016 3.00% APR*^
Up to 63 Months 2018-2016 3.25% APR*^
Up to 75 Months 2018-2016 3.75% APR*^
Up to 84 Months 2018-2016 4.00% APR*^
Up to 36 Months 2015 & older 3.00% APR*^
Up to 63 Months 2015 & older 3.25% APR*^
Up to 75 Months 2015 & older 4.00% APR*^
Up to 84 Months 2015 & older 4.25% APR*^

RV (Recreational Vehicle) (NEW & USED)

Up to 63 Months 2019 & Newer 5.50% APR*^
Up to 120 Months 2019& Newer 5.75% APR*^
Up to 63 Months 2018-2016 5.75% APR*^
Up to 120 Months 2018-2016 6.00% APR*^
Up to 63 Months 2015 & older 6.00% APR*^
Up to 120 Months 2015 & older 6.25% APR*^

Home

Mortgage

Term Rate
First Mortgage Fixed rates
Offering Conventional, Lebanon County First Time Homebuyers Program

Home Equity (Fixed)

Term 1st Lien Position 2nd Lien Position
Rate Rate Comments
Up to 5 Years as low as 3.250% APR* as low as 3.250% APR* Up to 90% LTV
Up to 10 Years as low as 3.500% APR* as low as 3.500% APR* Appraisal Fee does apply
Up to 15 Years as low as 3.875% APR* as low as 3.875% APR* Contact LFCU for Details
Up to 20 Years as low as 3.875% APR* as low as 3.875% APR*

 

Term 1st Lien Position 2nd Lien Position
Rate Rate Comments
Up to 5 Years as low as 3.750% APR* as low as 4.000% APR* Up to 100% LTV
Up to 10 Years as low as 3.875% APR* as low as 4.125% APR* Appraisal Fee does apply
Up to 15 Years as low as 4.000% APR* as low as 4.250% APR* Contact LFCU for Details
Up to 20 Years as low as 4.000% APR* as low as 4.500% APR*

Home Equity Line of Credit

Minimum Maximum Rate Comments
$10,000.00 No Maximum 1.99% APR* introductory rate for first 6 months. Up to 100% LTV.
Appraisal Fee does apply.
Variable Rate Loan.
After 6 months rate is tiered to
prime + a possible margin.
Rates as low as 3.25% APR*

Other Loans

Land

Term Rates Comments
Up to 5 years
Up to 10 years
Up to 15 years
as low as 4.250% APR*
as low as 4.500% APR*
as low as 4.875% APR*
Up to 90% LTV.
Appraisal fee does apply.

Share Secured

Term Rate Comments
Up to 72 months
Up to 120 months
3.25% APR*^ + Collateral Rate3.75% APR*^ + Collateral Rate No Application Fee

Personal Line of Credit

Term Rate Comments
Up to 60 months 9.50% APR* No Application Fee

Signature, Unsecured Loan

Term Rate Comments
Up to 60 Months as low as 8.00% APR*^ No Application Fee

Visa Platinum / Classic

Type Rate Comments
Platinum 9.40% APR* No Annual Fee, Cash Advances are the same Rate
Fixed Rate
Minimum $5,000 limit
Classic 11.90%APR* No Annual Fee, Cash Advances are the same Rate
Fixed Rate
Minimum $500 limit

Credit Builder Loan

Term Rate Comments
Up to 60 months 8.00% APR* Requires Automatic repayment (ACH, Payroll, Checking, Savings)
Loan amounts of $500- $1000
No Application Fee. 50% of the loan proceeds will be pledged as collateral.

APR* - Annual Percentage Rate.
^Rates reflect a 0.25% APR reduction for Payroll Deduction or Auto Transfer. Your rate will increase if you discontinue Automatic Payment Service.

Rates are as of 12/1/2020

LTV -Loan to Value based off NADA for Auto Loans and Appraisal for Real Estate secured.

Quoted Rates "as is" and are not guaranteed and subject to change without notice. Always call our office to confirm rates. Rates listed are preferred rates. Actual loan rate will be based on creditworthiness of the loan applicant and may be higher.

Rate is determined by buyers credit rating, term of loan and year of vehicle being purchased. Rates listed are not guaranteed and are based on a one year old vehicle.

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