 |
Current Loan and HE Rates
Effective
Date:
8/31/10
Specials:
Save Money with a Debit Card & Payroll Deduction!
.25% APR discount when you have a LSR FCU VISA Debit Card, plus...
.25% APR additional discount when you have Payroll Deduction. *Loans are subject to credit approval and loan rates are subject to change. Discounts apply to all new & used auto loans, secured loans and unsecured loans only.
| Loan
Type |
Approx
Term |
Annual
Percentage
Rate A - E
Borrowers |
| Autos |
| Auto's,
Boats, Motorcycles, Etc. |
24
Months
(A-E Members) |
6.00%-16.50%
|
36
Months
(A-E Members) |
6.00%-16.50% |
48
Months
(A-E Members) |
6.25%-16.65% |
60
Months
(A-C Members) |
6.50%-10.00% |
|
General
D&E paper limited to 48 mo term
|
36
Months
|
7.95%-16.00%
|
48
Months
|
8.95%-17.00%
|
60
Months
|
9.95%-18.00%
|
| Education
/ Computer
D&E paper limited to 48 mo term |
12 - 60
Months |
7.95%-16.00%
|
| HE Fixed
5-Yr Draw Loan up to 80% LTV |
120
Months
(A-D members) |
7.25%-9.75%
|
| HE Loan
up to 80% LTV |
120
Months
(A-D members) |
7.25%-9.75%
|
| HE Loan
up to 80% LTV |
180
Months
(A-C members) |
7.75%-9.25%
|
| Variable
rate HE up to 80% LTV |
180
Months
(A-D members) |
6.00%-8.50%
|
| Share
Draft Credit Line |
--- |
13.25%
|
| VISA
Classic |
--- |
12.90%
|
| VISA
Platinum |
--- |
11.90%
|
- Loan specials may apply.
- 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 (model years 2002-2009),
with A+ to C members and 80% Finance available
for D and E members, down payment required.
- 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
- Return Check Fee: $25.00
|
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Current
Mortgage Rates»
