Loan Rates

Loan Rates

Auto

Term Vehicle Age Rate
Up to 36 Months 2021 & Newer 5.75% APR*^
Up to 63 Months 2021 & Newer 6.00% APR*^
Up to 75 Months 2021 & Newer 6.25% APR*^
Up to 84 Months 2021 & Newer 6.75% APR*^
Up to 36 Months 2020-2018 6.00% APR*^
Up to 63 Months 2020-2018 6.25% APR*^
Up to 75 Months 2020-2018 6.50% APR*^
Up to 84 Months 2020-2018 7.00% APR*^
Up to 36 Months 2017 & older 6.50% APR*^
Up to 63 Months 2017 & older 6.75% APR*^
Up to 75 Months 2017 & older 7.00% APR*^
Up to 84 Months 2017 & older 7.50% APR*^

Rates quoted include an LTV up to 100% or less. Rate may differ depending upon credit worthiness, LTV,  and loan amount.

Term Vehicle Age Rate
Up to 63 Months 2021 & Newer 7.00% APR*^
Up to 120 Months 2021 & Newer 7.25% APR*^
Up to  180 Months 2021 & Newer 7.75% APR*^
Up to 63 Months 2020-2018 7.25% APR*^
Up to 120 Months 2020-2018 7.50% APR*^
Up to 180 Months 2020-2018 8.00% APR*^
Up to 63 Months 2017 & older 7.50% APR*^
Up to 120 Months 2017 & older 7.75% APR*^
Up to 180 Months 2017 & older 8.25% APR*^

Rates quoted include an LTV up to 100% or less. Rate may differ depending upon credit worthiness, LTV,  and loan amount.

Military / First Responder Loan Rate Discount = 0.25% off any Vehicle or RV Loan**

Home

Term Rate
First Mortgage Fixed See Rates
Offering Conventional, Lebanon County First Time Homebuyers Program
Term 1st Lien Position Rate 2nd Lien Position Rate Comments
Up to 5 Years as low as 5.750% APR* as low as 5.750% APR* Up to 80% LTV
Up to 10 Years as low as 6.000% APR* as low as 6.000% APR* Appraisal Fee does apply
Up to 15 Years as low as 6.500% APR* as low as 6.500% APR* Contact LFCU for Details
Up to 20 Years as low as 6.750% APR* as low as 6.750% APR*

 

Term 1st Lien Position Rate 2nd Lien Position Rate Comments
Up to 5 Years as low as 6.250% APR* as low as 6.750% APR* Up to 90% LTV
Up to 10 Years as low as 6.500% APR* as low as 7.000% APR* Appraisal Fee does apply
Up to 15 Years as low as 7.000% APR* as low as 7.500% APR* Contact LFCU for Details
Up to 20 Years as low as 7.750% APR* as low as 8.250% APR*
Minimum Maximum Rate Comments
$10,000.00 No Maximum 1.99% APR* introductory rate for first 6 months. Up to 90% 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*

Military / First Responder Loan Rate Discount = 0.25% off Fixed Rate Mortgages**

Other Rates

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.

Term Rates Comments
Up to 5 years
Up to 10 years
Up to 15 years
as low as 7.250% APR*
as low as 7.500% APR*
as low as 8.000% APR*
Up to 90% LTV.
Appraisal fee does apply.
Term Rate Comments
Up to 72 months 3.25% APR*^ + Collateral Rate No Application Fee
Up to 120 months 3.75% APR*^ + Collateral Rate No Application Fee
Term Rate Comments
Up to 60 months as low as 9.90% APR* No Application Fee
Term Rate Comments
Up to 60 Months as low as 10.25% APR*^ No Application Fee
Type Rate Comments
Platinum as low as 9.40% APR* No Annual Fee, Cash Advances are the same Rate
Fixed Rate
Minimum $5,000 limit
Classic as low as 17.90% APR* No Annual Fee, Cash Advances are the same Rate
Fixed Rate
Minimum $500 limit

Military / First Responder Loan Rate Discount = 0.25% off Signature Loans**

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 listed for 1st liens only; rates may be higher for 2nd lien positions.

**Can NOT combine Military and First Responder Discount. Must have been honorably discharged. First Responders must be currently employed in their profession.
Military Discount (Active Duty, Reserve, Guard, Veteran)
First Responder Discount (Police, Fire, EMT)

Rates are as of 03/01/2023

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.