Great plans deserve great rates.

  • 1.99%APR* fixed for 6 months
  • then Prime minus 1.25% APR*
  • The current rate without the introductory offer is 2.99% APR*

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*Annual Percentage Rate (APR) is accurate as of 03/05/15 and is subject to change without notice. An introductory APR of 1.99% for the first six 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 2.99% APR with a periodic rate of 0.00819, or, 1.25% 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 interest rate 18%. Floor rate is 2.99%. Draw period 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 $325 to $500. 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 $500 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  Offer may be withdrawn without notice. Subject to our normal credit requirements.