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Wheat’s Preferred Financing Partner

We’re Lafayette Federal – your local credit union built to support what’s next.

Terms Made For You

Low Rates & Terms

Enjoy competitive rates that fit your budget.

Explor Our Rates

Fast Approval Process

Fast & Easy Application

Get approved quickly and start your project sooner.

Apply Now

Avoid Unecessary Fees

No Hidden Fees

Always expect transparent terms with no surprises.

Calculate Your Payment

Wheat’s Award Winning Projects

Wheat’s Landscape is the top choice for all your landscaping needs. With over four decades of experience in the industry, they have been transforming outdoor spaces since 1978. Take a look at some of their most recent work.

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Wheats Landscape exterior patio with a fireplace

Start Your Home Transformation Today!

Borrow up to $75,000 with our Home Improvement Loan1. Don’t let budget constraints hold you back from creating the perfect outdoor retreat.

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Get a Free Consultation

Meet with Wheat’s Landscape to plan your dream outdoor space.

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Apply for Financing

Submit a quick and easy loan application with Lafayette Federal and get a decision in days.

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Bring Your Vision to Life

Watch as your outdoor oasis takes shape with Wheat’s Landscape.

Your dream outdoor space is now within reach!

Lafayette Federal Credit Union has partnered with Wheat’s Landscape Company to offer an exclusive Home Improvement Loan, designed to make your landscaping projects more affordable and hassle-free. Whether you’re looking to enhance curb appeal, add a stunning patio, or create a backyard retreat, our tailored financing solution helps you achieve your vision with ease.

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Calculate Your Payment

Estimate your monthly payment when you finance your next home improvement project with Lafayette Federal.

Calculated payments shown are for estimation purposes only. Actual loan payment amount will be disclosed at loan closing and may differ slightly.

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Borrow up to $75,000 Today!¹

With our Home Improvement Loan, you can increase your home’s value with great terms and low rates.

Apply Today

Increase the value of your home

You can borrow anywhere from $5,000 to $75,000 to make all kinds of improvements to your home — without using your home’s equity.

Home Improvement Loan

Term

APR1

Loan Amounts

¹APR = 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 deposit² into member’s LFCU checking account. ²Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. $50 minimum balance required to open and earn 0.10% APY (APY = Annual Percentage Yield) on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 2.04% APY on LFCU checking account balances up to $25,000 and 0.025% APY on checking balances over $25,000. Your savings are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. government. Lafayette Federal is an equal opportunity lender.

The rates and terms shown are effective as of May 1, 2025.

Term

5 years

APR1

10.74%

Loan Amounts

Up to $15K

Term

10 years

APR1

10.74%

Loan Amounts

$15.1K to $20K

Term

12 years

APR1

10.74%

Loan Amounts

$20.1K to $30k

Term

15 years

APR1

10.74%

Loan Amounts

$30.1 to $75k

Ready to apply for a Home Improvement Loan?

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Disclosures

¹APR = 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 deposit² into member’s LFCU checking account. ²Qualified direct deposit is a recurring direct deposit of a paycheck, pension, Social Security or other periodic payment of at least $500 into a checking or savings account on a month-to-month basis made by an outside organization or agency. $50 minimum balance required to open and earn 0.10% APY (APY = Annual Percentage Yield) on Lafayette Federal share savings account balances. $5 minimum balance required to open and earn 2.04% APY on LFCU checking account balances up to $25,000 and 0.025% APY on checking balances over $25,000. Your savings are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. government. Lafayette Federal is an equal opportunity lender.

The rates and terms shown are effective as of April 1, 2025.

Your savings are federally insured to at least $250,000 by the National Credit Union Administration, an agency of the U.S. government.

Lafayette Federal is an Equal Opportunity Lender.

Equal Housing Lender. NMLS#: 464425

Equal Opportunity Lender LogoEqual Housing Lender