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 at $388,000 for 30 years would have a monthly payment of $2,484.41 at a rate of 6.625% and the Annual Percentage Rate of 6.673%. Rates subject to change at any time. 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: *5.99% 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 720 and above. 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 draw is $10,000. Estimated Closing fees are $1,500. The Closing Cost will be deducted from the first draw at close of your loan. Other restrictions may apply. No line granted over 80% Loan to Value. Minimum FICO score required for 80% Loan to Value or less is 720. 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 2024 or newer and used autos are for model years 2017 to 2023. See separate rates for autos, trucks, and vans 2016 or older. 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 (2024 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 $3,000 for 2 wheel drive and $3,500 for 4 wheel drive, GAP up to $1,000 and pre-paid maintenance up to $1000. Some restrictions apply.

A loan at 5.99% APR for 66 months will have a monthly payment of $17.82 per $1,000 borrowed or a $356.43 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. Lowest rate offered may require 10% down payment. Rates subject to change. Approved rate honored for 7 days from date of approval. Max age of any vehicle is limited to 15 years.

***$20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2017 and newer of $20,000 or more and for FICO scores of 625+.

*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. Minimum amount financed of $5,000.

Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account.

A loan at 8.94% APR for 66 months will have a monthly payment of $19.24 per $1,000 borrowed or a $384.72 monthly payment based on an amount financed of $20,000. 2016 and older vehicle loan amount may not exceed 90% of retail Kelley Blue Book value including taxes and license PLUS warranty up to $3,000 for 2 wheel drive and $3,500 for 4 wheel drive, and GAP up to $1,000, and pre-paid maintenance up to $1,000. Some restrictions apply.

Rates subject to change. Approved rate honored for 7 days from date of approval. Max age of any vehicle is limited to 15 years.

*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.

Rates quoted to reflect .25% discount for automatic transfer from an LBS Financial Savings or Checking account. Payment example: A motorcycle loan financed at 7.84% APR for 60 months is $20.20 per $1,000 borrowed.

Rates subject to change. Approved rate honored for 7 days from date of approval. Max age of any vehicle is limited to 15 years.

*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 automatic transfer from an LBS Financial Savings or Checking account. Payment example: An RV loan at 7.85% APR for 144 months will have a monthly payment of $10.74 per $1,000 borrowed or a $214.85 monthly payment based on an amount financed of $20,000.

Rates subject to change. Approved rate honored for 7 days from date of approval. Max age of any vehicle is limited to 15 years.

*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 automatic transfer from an LBS Financial Savings or Checking account. Payment example: A Boat loan at 8.05% APR for 180 months will have a monthly payment of $9.59 per $1,000 borrowed or a $718.91 monthly payment based on an amount financed of $75,000. 10% minimum down payment, must be cash or trade equity; rebates do not count towards down payment requirement.

Rates subject to change. Approved rate honored for 7 days from date of approval. Max age of any vehicle is limited to 15 years.

*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 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 9.04% APR for 72 months will have a monthly payment of $18.05 per $1,000 borrowed or a $270.68 monthly payment based on an amount financed of $15,000.

Rates subject to change. Approved rate honored for 7 days from date of approval. Max age of any vehicle is limited to 15 years.

*Rates quoted reflect .25% discount for automatic transfer from an LBS Financial Savings or Checking account. Payment examples:

A Share Certificate loan at 7.25% APR for 60 months will have a monthly payment of $19.92 per $1,000 borrowed or a $59.76 monthly payment based on an amount financed of $3,000.

A Share loan at 3.10% APR for 60 months will have a monthly payment of $18.01 per $1,000 borrowed or a $54.04 monthly payment based on an amount financed of $3,000.

A Signature loan financed at 9.79% APR is for 12 months at $87.82 per $1,000 borrowed. Additional rates are available for longer terms. Rates subject to change. Approved rate honored for 7 days from date of approval.

*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. Dividends are paid based on the average daily balance. All Members must have a Share Savings account and maintain a minimum of $5 in this account to maintain their Membership in the Credit Union.

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

***Only available for Members with an LBS Financial Mortgage and Impound/Escrow account.

****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. 4.40% is the dividend rate for the 5 Month Certificate, and 4.88% is the dividend rate for the 10 Month Certificate. 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. $1,000 minimum opening amount with no maximum deposit amount. If funds are not withdrawn at maturity, the 5 Month Certificate rolls into a 6 Month Certificate, and the 10 Month Certificate rolls into a 12 Month Certificate.

Rates are subject to change without notice. Promotional Certificates may be discontinued at any time.

*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.

**For the 3 month Bronze Share Certificate, only a minimum deposit of $1,000 is required. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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.