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Serving members worldwide since 1935.

Personal Loans

  • Secured & unsecured loans
  • Credit building loan options
  • Special seasonal loans

Use personal loans for almost any purpose: debt consolidation, vacation expenses, home improvement, and more!

Full Rate Details
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We work hard to make your credit union the best place to borrow, no matter what your needs are:

Signature Loans

Based on factors such as your income, current debts and credit history, you could qualify for loans secured only by your signature.

Shared Secured Loans

Get the cash you need without depleting your savings. Borrow up to the balance in your Prime Share or Preferred Savings account at a low interest rate tied to your dividend rate and your shares will be used to secure the loan. Choose a repayment term of up to 15 years!

Credit Builder Loans

The secret to healthy credit is timely payments. Now you can build your credit and pay yourself in the process. We call it the Credit Builder Loan.

Once your application is approved‚ we’ll deposit up to $5‚000 into your share account and pledge it against the loan. That means every payment you make is really being made to yourself. When you’re done repaying the loan‚ you’ll have up to $5‚000 to spend any way you like. And your credit score will have grown too!

Home Improvement Loan

Renovate or make home upgrades with our Home Improvement Loan, perfect for any small or large project. Our loan is ideal for homeowners that want to make updates or renovations. Enjoy generous loan amounts, excellent rates, and flexible terms.

Effective Feb 1, 2023

Type APR* Term Amount
Share Secured Dividend Rate +2.00% Up to 15 years Up to Share Balance***
Credit Builder Dividend Rate +3.00% Up to 7 years Up to $5‚000
Certificate Secured Dividend Rate +2.00% Up to Certificate maturity date Up to Certificate Balance
Line of Credit** 9.99% Revolving† $500 - $30,000
Signature** 8.99% Up to 7 years $500 - $50,000
Home Improvement** 10.74% Up to 15 years $5,000 - $75,000
*APR=Annual Percentage Rate. Rates 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, credit worthiness, and extended loan terms. **APR reflects 0.25% discount for automatic payment made from member’s LFCU account and established qualified direct deposit into member's LFCU checking account. ***Share Secured APR based on dividend tier at time of origination and is adjusted with dividend rate.  †Monthly minimum payment is $30 per $1,000 borrowed.

Overdraft Protection Line of Credit is an open-ended line of credit used in conjunction with a checking account. This protection is activated when you overdraw your account. That means no more bounced checks!

There's no charge to open an Overdraft Protection Line of Credit account. Finance charges accrue only when the account is activated. You must have a checking account and qualify for a minimum line of credit. Maximum line of credit is $30,000. Overdraft Protection Line of Credit is an open-ended line of credit used in conjunction with a checking account. This protection is activated when you overdraw your account.

Similar to a Share Secured loan, you can borrow up to the balance in your Fixed Rate Certificate. The term of the loan cannot exceed the maturity date of your Variable Rate Certificate.

Apply today via our online applicationOpens in New Window. Through our secure application portal, you will be prompted to provide and complete the following:

  1. Loan purpose and information, including desired loan amount and loan term.
  2. Contact and reference information, including name, date of birth, member number, phone number, email, physical address and more.
  3. Identification information, including ID type, number, state, date of issue and expiration.
  4. Financial information, including gross monthly income, employment details, and monthly expenses.
  5. Upload a clear copy of your Photo ID, verification of address, two most recent paystubs. For vehicle loans, an upload of purchase order or bill of sale, verification of insurance, and 10-day payoff quote for refinances may be requested.
  6. Review application details, complete loan discount options if applicable, sign, and submit!
Have Questions? Just ask.
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Full Rate Details
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*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 payment made from member’s LFCU account and established qualified direct deposit into member's LFCU checking account.
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