Current Loan Rates

Effective Date: 8/28/08

Loan Type
Approx Term Annual
Percentage
Rate* A+ - D
Borrowers
Autos
Auto's, Boats, Motorcycles, Etc.
24 Months
5.75%-15.75%
36 Months 5.95%-15.95%
48 Months 6.25%-16.25%
60 Months
(A+-D Members)
6.50%-13.50%
72 Months
(A+-B Members)
6.75%-8.25%
General
12 - 60 Months
8.50%-16.50%
Education / Computer
12 - 60
Months
6.50%-14.50%
Share Draft Credit Line
---
13.25%
VISA Classic
---
12.90%
VISA Platinum
---
11.90%
  • Share and Certificate Secured Loans will be granted at 3% over the share/certificate rate.
  • Loan Skip-a-Pay Fee Per Loan: $25. Upon approval, member may skip up to three times per life of loan.
  • Late Fees: If your loan is more than 15 days late you will be charged a fee of $25
  • Collection costs: For Borrowers in NY: You promise to pay subject to any limits under applicable law, all costs of collecting the amount you owe under this agreement. This includes, but is not limited to, reasonable attorneys’ fees and court costs as well as legal expenses for any bankruptcy, appeals or post judgement proceedings.
  • Please Take Notice: The credit union has the right to change the interest rate on your vehicle or RV loan to a signature rate when you do not comply with your promise to provide information so the credit union can file lien interest. Please refer to Credit/Security Agreement and Insurance Certificate (#12 and #20).
  • * All rates disclosed above are done so by using APR (Annual Percentage Rate)
  • Finance 100% plus tags/tax/warranty on all auto, RV and boat loans.
  • Loans are subject to credit approval and loan rates are subject to change without notice. All rates are determined by credit worthiness.
  • Payroll deduction loan discount of .25% off stated rates and an additional .25% loan discount when you have an LSR FCU Debit Card (except, 90 day notes, Mortgages, VISA, Share Draft Credit Line and Home Equity Line of Credit)
  • Please call 607-547-5700 to verify current rates
  • VISA Credit Card Late Payment Fee: $25.00
  • VISA Credit Card Over-the-credit-limit fee: $22.00
  • VISA Credit Card Default Rate: 16.99% if 30 days late 2 times within a 12 month period.
  • Return Check Fee: $25.00

 
   
   
   
 
 
 
   
 
 
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