 |
|
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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Current
Mortgage Rates»
