Welcome to Lauderdale County Teachers Credit Union - Florence, Alabama U.S.A.

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Current Loan Rates

2nd chance now loans available - up to $500.00; Call for details

New Vehicles    
 

2.95%

Up to 72 Months
2016 Models with less than 10,000 miles
 

3.45%

Up to 84 Months
$20,000 Minimum
New Motorcycles, Boats & ATV's    
 

4.75% - 4.90%

72 Months - 4.75% - Under $10,000
84 Months - 4.90% - Over $10,000 - Less Than $45,000
Used Vehicles    
  3.95% 2010 -2016
Motorcycles, Boats & ATV's    
  5.00% 60 Months--Models 2013-2012
  5.50% 48 Months--Models 2011-2010
  6.75% 36 Months--Models 2009-2008
  7.25% 24 Months--2007 and older
  7.25% 48 Months--Antiques (25 years or older)
Signature Loans    
  12% up to 24 Months (up to $2000.00)
  14.40% up to 36 Months (up to $5000.00)
New Farm Equipment    
  5.00% Up to 72 Months
Used Farm Equipment    
    See CU for details
Share Secured    
  -- 2% above earning rate on CD's and 3% above paying rate on Share and Daily Action
Any Reason Loan    
(Borrow up to $3500) 7.00% 12 Months @ 7.0%; 24 months @ 8.0%; Credit Score of 600
Christmas Loans    
(Borrow up to $1000) 10.00% Available October - November - December
Home Improvement 10.00% (April, May, June)
(Borrow up to $5000)   Up to $5000 for 36 Months
Vacation Loans 10.00% (April, May, June)
(Borrow up to $1000)    
Multi-Purpose Loan 4.90% $10,000 Min; $45,000 Max
up to 84 Months
(Borrow up to $1000)    
Christmas Loans 10.00% Available Oct-Nov-Dec
(Borrow up to $1000)   --
Spring Break Loans 10.00% Up to $1000.00 (Jan - Feb - Mar)
(Borrow up to $1000)   --
Lawn Mower Promotion 5.00% Up to $5000 for 36 Months (with approved credit)
(Borrow up to $1000)   --
Computer Loans 11.00% up to 36 months
Real Estate   Rates based on 80% of appraisal
Fixed Mortgage Rates 3.50% 7 Year
NMLS #653469 4.00% 15 Year
  4.75% 20 Year
    Minimum Credit Score -650
Debt to Income Ratio - 35% or less
Variable Rate Mortgages 5.00% 20 Year - ARM - Adjustable Rate Mortgage, fixed rate (5) years; adjustable rate beginning 6th year, up to 2% per year; no more than 6% over life of loan
Home Equity 5.00% 15 Year - Adjustable Rate - Can Change Quarterly
     
 
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