Rates

*The interest rates and fees shown above are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.
**Points will vary based on credit score, loan-to-value, and type of transaction.

Representative Payment Example: A loan for $388,000 for 30 years at a rate of 3.750% and an Annual Percentage Rate of 4.352% would have a monthly payment of $2,055.56. Rates subject to change at any time.

All rates subject to change and subject to credit approval. Full product information is also available in our branches.

For Home Equity Loans: No lender origination fees when a minimum loan amount of $40,000 and maximum $100,000 is approved and for a maximum of 80% of your home's value. Accommodation- recording fees, title charges to clear or transfer liens, or indemnification due to construction on the subject property may be required. The borrower is responsible for these costs.

For the Home Equity Line of Credit: *3.99% APR is an introductory rate for the first six months and then Prime Rate + 1% Annual Percentage Rate (APR) based upon 80% or less Loan to Value ratio with a FICO Score of 740. Rate to change quarterly (January 1, April 1, July 1, October 1) and will correspond to changes in the Index. The Index is the Major Bank Prime Rate as published periodically in the Wall Street Journal. The Index value used at each Change Date is the value in effect on the first day of the month preceding each calendar quarter. Minimum line amount is $10,000; maximum line amount is $300,000. There is a 10-year draw period (interest only payments) with a 15 year (fully amortized) repayment period. Minimum initial draw is $10,000. Closing fees are $1,250.The Closing Cost will be deducted from the first draw at close of your loan. Other restrictions may apply. No line granted over 90% Loan to Value. If you make the minimum monthly payment during the term of your loan on or before the due date, the loan will be paid in full after the repayment period ends.The Annual Percentage Rate will never exceed 18.0%. Review full disclosure and terms for our Home Equity Line of Credit by requesting a rate quote.

*New auto years 2022 or newer and used autos are for model years 2015 to 2021. See separate rates for autos, trucks, and vans older than 2014. New and used auto rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account . New auto rates also reflect a 0.15% discount for a new auto purchase (2021 or newer) through the Surrogate Auto Shopper. New or used vehicle loan amount may not exceed 100% MSRP including taxes plus and license, PLUS warranty up to $2,500 for 2 wheel drive and $3,000 for 4 wheel drive, GAP up to $1,000 and pre-paid maintenance up to $1000. Some restrictions apply. A loan at 3.00% APR for 66 months will have a monthly payment of $16.45 per $1,000 borrowed or a $329.10 monthly payment based on an amount financed of $20,000.

***APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers.

*** $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2015 and newer of $20,000 or more and for FICO scores of 625+.

*APR=Annual Percentage Rate. Rates are subject to change without notice. Loan rates based on LBS Financial credit approval. Full product information is available in our branches. 10% minimum down payment must be cash or trade equity, rebates do not count towards down payment requirement.

Rates quoted to reflect .25% discount for payment through payroll deduction or automatic transfer from an LBS Financial Savings or Checking account. Payment example: A motorcycle loan financed at 6.64% APR for 60 months is $19.64 per $1,000 borrowed.

*APR= Annual Percentage Rate. Loan rates based on LBS Financial credit approval. Full product information is available in our branches.

Rates quoted to reflect .25% discount for payment through payroll deduction or automatic transfer from an LBS Financial Savings or Checking account. Payment example: An RV loan at 5.30% APR for 144 months will have a monthly payment of $9.40 per $1,000 borrowed or a $188.00 monthly payment based on an amount financed of $20,000.

*APR=Annual Percentage Rate. Loan rates based on LBS Financial credit approval. Full product information is available in our branches.

Rates quoted to reflect .25% discount for payment through payroll deduction or automatic transfer from an LBS Financial Savings or Checking account. Payment example: A Boat loan at 5.40% APR for 180 months will have a monthly payment of $9.45 per $1,000 borrowed or a $365.30 monthly payment based on an amount financed of $45,000. 10% minimum down payment, must be cash or trade equity; rebates do not count towards down payment requirement.

*APR=Annual Percentage Rate. Loan rate based on LBS Financial credit approval. Full product information is available in our branches.

Rates quoted to reflect .25% discount for payment through payroll deduction or automatic transfer from an LBS Financial Savings or Checking account. 10% minimum down payment, must be cash or trade equity, rebates do not count towards down payment requirement. Payment example: A Powersports loan at 9.64% APR for 72 months will have a monthly payment of $18.34 per $1,000 borrowed or a $183.45 monthly payment based on an amount financed of $10,000.

*Rates quoted reflect .25% discount for payment through payroll deduction or automatic transfer from an LBS Financial Savings or Checking account. Payment examples: A Share Certificate loan at 5.37% APR for 60 months will have a monthly payment of $19.04 per $1,000 borrowed or a $57.12 monthly payment based on an amount financed of $3,000. A Share loan at 3.15% APR for 60 months will have a monthly payment of $18.04 per $1,000 borrowed or a $54.11 monthly payment based on an amount financed of $3,000. A Signature loan financed at 11.65% APR is for 12 months at $88.72 per $1,000 borrowed. Additional rates are available for longer terms.

*APY=Annual Percentage Yield. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. The dividend rate and Annual Percentage Yield (APY) may change at any time and without notice, solely at the Credit Union's discretion. Fees or other conditions may reduce the earnings on the account. Contact the Credit Union for more information about fees and rates.

**$20.00 minimum to open; $1,000 average daily balance to earn APY.

***More details on our Summer Savings account.

*APY=Annual Percentage Yield. Share Certificate rates are in effect until the maturity date. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. Withdrawals will reduce earnings; there are penalties for early withdrawals; and fees may reduce earnings.

**A minimum deposit of $1,000. Unlimited add on deposits allowed on the 3 month Certificate only.

Rates are subject to change without notice.

*APY=Annual Percentage Yield. Share Certificate rates are in effect until the maturity date. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. Withdrawals will reduce earnings; there are penalties for early withdrawals; and fees may reduce earnings.

Rates are subject to change without notice.

*APY=Annual Percentage Yield. Share Certificate rates are in effect until the maturity date. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. Withdrawals will reduce earnings; there are penalties for early withdrawals; and fees may reduce earnings.

Rates are subject to change without notice.

*APY=Annual Percentage Yield. Rates are subject to change without notice.

*APY=Annual Percentage Yield. Penalty for early withdrawal. There will be penalties for early withdrawal of IRA funds if you are under 59 1/2 years of age. Rates are subject to change without notice.

*APY=Annual Percentage Yield. Penalty for early withdrawal. There will be penalties for early withdrawal of IRA funds if you are under 59 1/2 years of age. Rates are subject to change without notice.

*APY=Annual Percentage Yield. Penalty for early withdrawal. There will be penalties for early withdrawal of IRA funds if you are under 59 1/2 years of age. Rates are subject to change without notice.

The dividend rate and APY are paid on the entire balance in the account. The dividend rate and Annual Percentage Yield (APY) may change at any time and without notice, solely at the Credit Union's discretion. Fees or other conditions may reduce the earnings on the account. Contact the Credit Union for more information about fees and rates.

Rates are subject to change without notice.