Loan Rates

Military / First Responder Loan Rate Discount: 0.25% off Signature Loans, Fixed Rate Mortgages, and Vehicle / RV Loans.**

**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)

Auto

Term Vehicle Age Rate
Up to 36 Months 2022 & Newer 6.00% APR*^
Up to 63 Months 2022 & Newer 6.25% APR*^
Up to 75 Months 2022 & Newer 6.50% APR*^
Up to 84 Months 2022 & Newer 7.00% APR*^
Up to 36 Months 2021-2019 6.25% APR*^
Up to 63 Months 2021-2019 6.50% APR*^
Up to 75 Months 2021-2019 6.75% APR*^
Up to 84 Months 2021-2019 7.25% APR*^
Up to 36 Months 2018 & older 7.00% APR*^
Up to 63 Months 2018 & older 7.25% APR*^
Up to 75 Months 2018 & older 7.50% APR*^
Up to 84 Months 2018 & older 8.00% 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 2022 & Newer 8.50% APR*^
Up to 120 Months 2022 & Newer 8.75% APR*^
Up to  180 Months 2022 & Newer 9.25% APR*^
Up to 63 Months 2021-2019 9.00% APR*^
Up to 120 Months 2021-2019 9.25% APR*^
Up to 180 Months 2021-2019 9.75% APR*^
Up to 63 Months 2018 & older 9.50% APR*^
Up to 120 Months 2018 & older 9.75% APR*^
Up to 180 Months 2018 & older 10.00% APR*^

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

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 7.500% APR* as low as 7.500% 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 8.000% APR* as low as 8.500% APR*

*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. 

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*

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

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 12.90% APR* No Application Fee
Term Rate Comments
Up to 60 Months as low as 12.50% APR*^ No Application Fee
Type Rate Comments
Platinum as low as 10.40% APR* No Annual Fee, Cash Advances are the same Rate
Fixed Rate
Minimum $5,000 limit
Classic as low as 12.90% APR* No Annual Fee, Cash Advances are the same Rate
Fixed Rate
Minimum $500 limit

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 02/16/2024

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.