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Savings Rates
| Loan Rates | Mortgage Loan Rates | Vehicle Loan Rates | Disclosures


Share & Certificate Rates
As of May 7, 2008

 
Minimum
Balance to
Open
Minimum to
Earn APY
Dividend
Rate
Annual
Percentage
Yield (APY)
Prime Share Acct.
$50
$50
0.50%
0.501%
e-Access Account
$5
N/A
0.75%
0.752%
Share Access Acct.
$5*
N/A
0.25%
0.250%
Savings Club Acct.
   $0 - $19,999
   $20,000+

$50
$20,000

$50
$20,000


2.25%
2.75%


2.28%
2.78%
Individual Retirement
Accounts (IRA)
$50
N/A
2.50%
2.524%
One-year Share Certificate & IRA Account

$500

$500

2.97%

3.00%
7-month Share Certificate
$500
$500
2.97%
3.00%
Share Certificate Flex & IRA Flex Accounts
    18-month term
    3-year term
    5-year term



$500
$500
$500



$500
$500
$500


2.71%
2.72%
2.74%


2.74%
2.75%
2.77%
Investor's Acce$$
Account
  1st $50,000.00   
  2nd $50,000.00
  next $150,000.00
  next $250,000.00 -
     $99,999,999.99


$50,000


$50,000


2.75%
2.90%
3.15%
3.55%


2.78%
2.78-2.86%
2.86-3.05%
3.05-3.58%
The Investor's Acce$$ Account is a tiered-rate account with different rates applied to the different tiers. Member must maintain at least $50,000 in the account to earn dividends on this account.

*Plus cost of draft style selected

Savings Accounts - dividends are compounded and paid quarterly on the first day of the next dividend period. Dividend Rates and APYs are variable and are subject to change. Certain fees and charges may apply to your share account as disclosed in the current Schedule of Fees. Assessed fees may reduce earnings.

Share Certificate & IRA Flex Accounts - dividends are compounded and paid quarterly on the first day of the next dividend period. A penalty may apply if the certificate is redeemed prior to maturity. Certificates will automatically renew upon maturity unless otherwise stipulated by the member.


Loan Rates
Effective May 7, 2008

Loan Type
Annual Percentage Rate
Repayment Schedule or Payment
Amount
New/Used Autos & Motorcycles See Vehicle Loan Rate Schedule below or click here 36 - 84 months Up to 100% of M.S.R.P. including taxes, tags, titling fees and extended warranties. Used vehicles based on industry valuation sources suggested retail price
Share Secured 2.00% above LFCU dividend rate; adjusted with dividend rate Up to 7 years Up to balance in Prime Share or Savings Club account***
Share Certificate 2.00% APR above LFCU dividend rate; adjusted with dividend rate Term not to exceed certificate maturity date Up to value of certificate at time of borrowing (including accrued dividends)
Line of Credit As low as 12.00% $30 per $1,000 borrowed, monthly $500 - $30,000
Signature As low as 9.00%** Up to 48 months

$500 - $30,000

Education Assistance 10.00%
11.00%
12.00%
1 year
3 year
5 year
Up to $10,000 per year with a total loan maximum of $20,000 per student; for books and/or tuition only
MasterCard
Platinum, Gold & Classic
9.90% (Platinum Cardholders)^
12.00% (balances over $2,500)
14.00% (balances up to $2,499)
No Annual Fee
$30 or 2% of balance, monthly;
25-day grace period on purchases
$500 - $50,000
(Limits under $2,000 receive Classic MasterCards)
Mortgage & Home Equity A variety of products are available; see Mortgage Loan Descriptions Fixed and Adjustable Rate Program Up to 100% of appraised value
Luxury Leisure Vehicle
(Boats, RV's & airplanes)
Prime plus 2%; at time of approval; rate adjusted every 36 months; will not increase or decrease more than 2% per adjustment 8 yrs = up to $50,000
10 yrs = $50,001 - $100,000
90% of purchase price, up to $100,000. Vehicles for personal, non-business use only

Annual percentage rate and terms subject to change without notice.

*Stated APR is the lowest rate available for qualified members. Actual rate may be higher based on income and credit worthiness.
** Stated APR reflects 0.25% discount for automatic debit from share access account.
***Rate based on dividend tier at time of origination.
^ - Restrictions apply.  Minimum credit limit and credit score required to quality for Platinum Card.


New Auto Interest Rate Schedule

Term Annual Percentage Rate as low as*
36 Months 4.50%
48 Months 5.00%
60 Months 5.50%
72 Months** 6.00%
84 Months** 6.50%


Used Auto Interest Rate Schedule

Term Annual Percentage Rate as low as*
36 Months 5.50%
48 Months 6.00%
60 Months 6.50%


Motorcycle Interest Rate Schedule

Term Annual Percentage Rate as low as*
36 Months 6.50%
48 Months 7.00%
60 Months 7.50%

* Stated APR is the lowest rate available for qualified members and reflects .25% discount for automatic debit from share access account. Actual rate may be higher based on income and credit worthiness.
**$30,000.00 minimum purchase price required for vehicle loan of 72 to 84 months.

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