• Intro rate fixed
    for 12 months
    1.99%
    APR*
  • Then prime
    minus
    1.00%
    APR*
  • The current rate
    without the
    introductory offer
    3.50%
    APR*

I’m somebody with big plans, thanks to home equity financing from LCU.

When you belong to a credit union, planning for tomorrow comes a little easier. At LCU you’ll discover low home equity rates for flexible spending power—it’s money in your pocket for home improvements, weddings, vacations and more. It’s all about options, and it starts with membership.

*Annual Percentage Rate (APR) is accurate as of 04/01/17 and is subject to change without notice. An introductory Annual Percentage Rate (APR) as low as 1.99% for the first twelve billing cycles with a periodic rate of 0.00545%. Thereafter, the APR will be set on the last business day of each month which will be either a floor rate of 3.50% APR with a periodic rate of 0.00959%, or, 1.00% below the Prime Rate published in the Wall Street Journal on the last business day of each month, whichever is greater. Automatic payment from LCU transaction account required to receive the stated APR. If automatic payment is cancelled or not established, APR will increase by .70%. Maximum rate is 18%. Floor rate is 3.50%. Draw period is 10 years with 10 additional years to repay. Equity determined by taking 80% of property value and deducting balance of any mortgages. If appraisal is required the charge will range from $400 to $550. The minimum loan amount is $10,000 and the maximum is $250,000. Property insurance required. No closing costs. Rate subject to change after consummation. LCU members must maintain a $25 deposit relationship. An early termination fee of no more than $750 may be imposed to cover fees paid to third parties if line is discharged within 24 months of note date. Offer applies to owner occupied primary residences only. Offer may be withdrawn without notice. All requests subject to credit approval. Actual rate and margin offered may be adjusted based on your credit history and other factors that could impact our actual rate. This may result in higher rate than our published rate.