Rates

Loan Rates

For all loan types:
Rates shown are effective 03/18/2016
Rates are subject to change without notice.

New and Late Models (2014-2016)

*Sample payments based on $10,000 loan
Description Terms Rate Estimated Payment
Up to 100% Financing**

As Low As

24 MO. 1.49% $423.17
36 MO. 1.94% $286.18
48 MO. 1.99% $216.92
60 MO. 2.49% $177.45
66 MO. 3.29% $165.87
72 MO. 3.79% $155.52


Used Vehicles:

*Sample payments based on $10,000 loan
Description Terms Rate Estimated Payment
Models (2009 - 2016)
Up to 100% Financing*
As Low As
24 MO.

2.74%

$428.70

36 MO.

2.94%

$290.58

48 MO.

3.19%

$222.21

60 MO.

3.44%

$181.67

66 MO.

4.24%

$170.16

72 MO.

4.74%

$159.88

Models (2004 - 2008)
Up to 100% Financing*
24 MO.

3.74%

$433.14

36 MO.

3.99%

$295.23

48 MO.

4.24%

$226.90

60 MO.

4.54%

$186.65

66 MO.

5.34%

$175.22

72 MO.

5.84%

$165.01

Models (2003 and Older) See Personal Loan Rate Below
FOR BOATS AND MOTORCYCLES - ADD 1% TO ABOVE NEW AND USED AUTO rates * ** ***
FOR CAMPERS, RV'S, ATV'S, JET SKI'S - ADD 2% TO ABOVE NEW AND USED AUTO rates * ** ***

Rates are based on borrower qualifications. Higher rates may be applicable based on credit performance, credit terms and model year of vehicle. Amount lent on vehicle may vary by age of vehicle and credit history of borrower.  Loans with repayment schedule longer than 5 years must be for at least $20,000.  Rates may not be available for refinancing of existing LouChem loans, call for details. Late Charges: A $28 late payment charge will be assessed on payments received 15 days from date payment is due.

* Payment sample based on rate shown for stated number of months and is for example use only.
** Available to qualified borrowers and vehicles with less than 20,000 miles.
*** Other fees may be assessed, please call for further information



NON- Purchase 1st Mortgage**:

*Sample payments based on $10,000 loan
Description Terms Rate Estimated Payment
Fixed Rate***
60 MO.***

4.25%

$185.33

120 MO.***

4.50%

$103.67

180 MO.***

4.75%

$77.81

240 MO.*** Call for rates


2ND MORTGAGE: As Low As:

*Sample payments based on $10,000 loan
Description Terms Rate Estimated Payment
Fixed Rate***
60 MO.***

3.50%

$181.88

120 MO.***

4.50%

$103.62

180 MO.***

5.00%

$79.07

240 MO.*** Call for rates

Rates are based on borrower qualifications. Higher rates may be applicable based on credit performance, credit terms and property being offered as security. Amount lent on property may vary by type of property offered as collateral and credit history of borrower.  Rates may not be available for refinancing of existing LouChem loans, call for details. Late Charge apply.

* Payment sample based on rate shown for stated number of months and is for example use only.
** Available to qualified borrowers.
*** Other fees may be assessed, please call for further information



Home Equity Line of Credit:

Description Terms Rate Estimated Payment
Equity Variable & Fixed Rate
Based on Prime
Call for current Rate
Call for Information

Rates are based on borrower qualifications. Higher rates may be applicable based on credit performance, credit terms and property being offered as security. Amount lent on property may vary by type of property offered as collateral and credit history of borrower.  Rates may not be available for refinancing of existing LouChem loans, call for details. Late Charge apply.

* Payment sample based on rate shown for stated number of months and is for example use only.
** Available to qualified borrowers.
*** Other fees may be assessed, please call for further information


Signature

*Sample payments based on $2,500 loan
Description Rate Estimated Payment
Open-End Revolving (overdraft) As Low As
8.99% Minimum Payment 3% of Balance
8.00% Minimum Payment 3% of Balance
Specials 4.00% $212.89
Please contact Credit Union for limits that may be borrowed.
Rates are based on borrower qualifications. Higher rates may be applicable based on credit performance, credit terms


Share Pledged:

Description Terms Rate Estimated Payment
0-60 Months Up to 60 MO. Term Current Share Rate +2 Call for Information
61-120 Months Up to 120 MO. Term Current Share Rate +3 Call for Information

Share Secured Rate is 2% or 3% above Share Rate on account being pledged. 
Share Certificate Secured is 2% or 3% above Certificate Rate on certificate being pledged. 

Minimum A.P.R. for Share Secured and Certificate Secured Loans is 2%.


VISA Credit Card

Description Terms Rate Estimated Payment
VISA Credit Card As Low As
No Annual Fee
25-day grace period
on purchases.
7.90% APR Minimum Payment 3% of Balance
Please contact Credit Union for limits that may be borrowed.
Rates are based on borrower qualifications. Higher rates may be applicable based on credit performance, credit terms


Savings Rates

Rates shown are effective 03/18/2016.
Rates are subject to change without notice.

Description Annual Percentage Rate Annual Percentage Yield
Savings Accounts
Prime/Special/Club
0.10% 0.10%
Health Savings Share Draft 0.10% 0.10%
IRA Savings Account 0.65% 0.65%
Money Market Account* ($2,500 minimum)
$1,000 - $9,999 0.15% 0.15%
$10,000 - $24,999 0.25% 0.25%
$25,000 - $49,999 0.35% 0.35%
$50,000 and over 0.40% 0.40%
*See Rate & Fee Schedule for Terms & Conditions

Share Draft (Checking)

Unlimited Check Transactions
Unlimited POS Transactions
No Minimum Balance
No Service Charge
ATM Transactions: 6 Free transactions per statement period.
$0.95 per transaction over 6
See Rate & Fee Schedule for Terms & Conditions.

 

Share and IRA Certificates

Description Annual Percentage Rate Annual Percentage Yield
3 Month Certificate 0.20% 0.20%
6 Month Certificate 0.35% 0.35%
12 Month Certificate 0.65% 0.65%
18 Month Certificate 0.70% 0.70%
24 Month Certificate 0.999% 1.00%
36 Month Certificate 1.44% 1.45%
48 Month Certificate* 1.49% 1.50%
60 Month Certificate* 1.89% 2.00%
*For IRA Certificates only. See Rate & Fee Schedule for Terms & Conditions.


Disclosures

We do business in accordance with the Federal Fair Housing Law & Equal Credit Oppt Act

NCUAYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.