Vehicles
New, used, or refinanced – we want to get you behind the wheel. Whether you’re looking for a new vehicle or one that’s new to you, every member can expect flexible terms and affordable rates. We also offer money-saving refinancing options! Apply online for a pre-approval today!
Boats, Motorcycles, ATV & Farm Equipment
Don’t get stuck inside! Get out and experience the beauty of the outdoors. We can help you fulfill that dream with one of our recreational vehicle loans.
Any Reason Loan
For whatever like throws at you!
$3,500.00 Maximum credit score of 600 +
12 months @ 7.0%
24 months @ 8.0%
Share Secured
2% above CD rate & 3% above Share or Daily Action rate
Lawn Mower
Up to $5,000.00 @ 5% for 36 months
Fixed Rate Mortgages
NMLS#653469
AS OF JULY 28, 2020
7 year 3.50% A.P.R. Not offered at this time
15 year 4.00% A.P.R.
20 year 4.75% A.P.R.
**minimum credit score of 600. 80% of appraisal. If refinancing a LCTCU loan a minimum of $7,500.00 cash out to change to fixed rate.
ADJUSTABLE RATE MORTGAGE
Minimum credit score 600
5.90% – $10,000.00 min. $45,000.00 max; up to 84 months
(Only available for collateral with title or UCC1)
**with approved credit. Must meet certain requirements. Rates can change without notice.
4.00% A.P.R. ARM, fixed rate (5) years. Variable rate beginning (6th)
year. Amortize up to 30 years. Loan will balloon (20th) year.
Primary residence. Up to 2% change on variable no more than
6% over the loan life.
4.00% A.P.R. ARM, fixed rate (5) years. Change date beginning (6th) year.
Amortize up to 15 years. Primary residence. Up to 2% change
on rate no more than 6% over the loan life.
4.04% A.P.R. ARM, fixed rate (5) years. Change date (6th) year. Amortize up
to 30 years, balloon 20th year. Primary residence. Up to
2% change on rate no more than 6% for the life of the loan.
2.95% A.P.R. ARM, fixed rate (5) years. Adjustable rate beginning (6th) year.
Amortize up to 20 years. Up to 2% change on rate no more than
6% over the loan life.
2.95% A.P.R. ARM, fixed rate (5) years. Adjustable rate beginning (6th) year.
Amortize up to 20 years. Up to 2% change on rate no more than
6% over the loan life.
Home Equity
Up to 80% of appraisal less 1st mortgage balance. Primary residence only.
15 year – 5.00%A.P.R. Adjustable rate. Can change quarterly.