Earn up to 5.00% APY*

*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.

*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.

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.