Effective date: 1/20/2010
CONSUMER LOANS
Sub-category APR* Max Term
(Months)
Amount
Financed
Monthly
Payment
Finance
Charge
 
Auto
 
2010/2009 4.99% 60 $10,050.00 $189.60 $1,325.94
 
5.99% 72** $15,050.00 $249.34 $2,901.99
 
 
2008/2007 5.25% 60 $10,050.00 $190.80 $1,397.85
 
6.75% 72** $15,050.00 $254.77 $3,292.98
 
 
2006/2005 6.25% 48 $10,050.00 $237.17 $1,333.70
 
6.75% 60 $10,050.00 $197.81 $1,818.11
 
 
2004/2003 6.99% 48 $10,050.00 $240.60 $1,498.46
 
7.49% 60 $10,050.00 $201.32 $2,028.99
 
 
2002-older 8.99% 36 $10,050.00 $319.51 $1,452.26
 
9.99% 48 $10,050.00 $254.82 $2,181.20
 
 
 
Boats and Recreation Vehicles
 
New & Used 8.00% 72** $40,050.00 $702.15 $10,504.13
 
9.00% 240 $40,050.00 $360.31 $46,420.03
 
 
 
Motorcycles
 
New 9.50% 48 $10,050.00 $252.47 $2,067.99
 
 
Used 10.50% 36 $10,050.00 $326.62 $1,707.91
 
 
 
Personal
 
13.00% 72 $25,000.00 $504.43 $11,318.96
 

*APR - Annual Percentage Rate. Rates reflect a .25% discount for automatic payment from an LCU checking or savings account. Rate is determined by your personal credit history. Other rates, terms, and conditions may apply. 100% financing available on autos. LCU members must maintain a $25 deposit relationship. Amount Financed includes $50 VSI Insurance.
** 72 month term - minimum amount financed $15,000.00

Effective date: 2/18/2010
MORTGAGES
Term Rate Margin Points APR* Monthly payment
per $1000
Adjustable Rate Mortgages
5/1 ARM 5.875% 2.75 0 5.89% $5.92 **
3/1 ARM 5.750% 2.75 0 5.76% $5.84 **
First Time Homebuyers
5/1 ARM 5.750% 2.75 0 5.76% $5.84 **
Fixed Rate Mortgages
30 Years 5.125% 0.00 0 5.14% $5.45
30 Years 4.875% 0.00 1 4.98% $5.30
30 Years 4.625% 0.00 2 4.81% $5.15
20 Years 5.000% 0.00 0 5.01% $6.60
20 Years 4.750% 0.00 1 4.88% $6.47
20 Years 4.500% 0.00 2 4.75% $6.33
15 Years 4.500% 0.00 0 4.52% $7.65
15 Years 4.250% 0.00 1 4.42% $7.53
15 Years 4.000% 0.00 2 4.32% $7.40
10 Years 4.500% 0.00 0 4.53% $10.37
10 Years 4.250% 0.00 1 4.49% $10.25
10 Years 4.000% 0.00 2 4.46% $10.13

First Time Buyer Program rates are discounted ¼% off the fixed rates listed above. Income limits apply.
Biweekly and no closing cost options are available.

*Rates available to qualified borrowers. All rates are subject to change without notice. Annual Percentage Rate (APR) is based on 20% downpayment on owner-occupied one to four family dwellings. APR on ARM products subject to change after consummation. Additional terms and conditions may apply.  See loan documents for details.  LCU members must maintain a $25 deposit relationship.
**Based on a 30 year term.

Effective date: 2/1/2010
HOME EQUITY LOANS
APR* Term Amount Monthly
Payment
Maximum
5.75% 60 Months* $10,000.00 $192.16 $250,000.00
6.25% 120 Months* $10,000.00 $112.28 $250,000.00
6.75% 180 Months* $10,000.00 $88.49 $250,000.00
7.00% 240 Months* $10,000.00 $77.53 $250,000.00
5.00% 20 Year Line of Credit** $10,000.00 $41.10 $250,000.00
5.00% 20 Year Line of Credit*** $10,000.00 $41.10 $250,000.00

* Equity is determined by taking 80% of property value and deducting balance of any mortgages. If appraisal is required, charge will range from $250 to $450. Property insurance required. No closing costs. LCU members must maintain a $25 deposit relationship.
** Annual Percentage Rate (APR) is variable and is adjusted monthly to Wall Street Journal Prime Rate less 1.25% as published on last business day of the month. Automatic payment from LCU transaction account required. If automatic payment is cancelled or not established, APR will increase by .70%. Maximum interest rate 18%. Floor rate is 5.00%. Draw period 10 years with 10 additional years to repay. Equity determined by taking 80% of property value and deducting balance of any mortgages. If appraisal is required the charge will range from $250 to $450. Property insurance required. No closing costs. Rate subject to change after consummation. LCU members must maintain a $25 deposit relationship. An early termination fee of no more than $500 may be imposed to cover fees paid to third parties if line is discharged within 36 months of note date.
***Annual Percentage Rate (APR) is variable and is adjusted monthly to Wall Street Journal Prime Rate plus 1.75% as published on last business day of month. Maximum interest rate 18%. Draw period 10 years with 10 additional years to repay. Equity determined by taking 95% of property value and deducting balance of any mortgages. If property is located in an area of declining market value as determined by PMI insurance company, equity is limited to 90%. If appraisal is required the charge will range from $250 to $450. Property insurance required. No closing costs. Rate subject to change after consummation. LCU members must maintain a $25 deposit relationship. An early termination fee of no more than $500 may be imposed to cover fees paid to third parties if line is discharged within 24 months of note date.