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Rates

Deposit Rates

Deposit Accounts

Effective as of March 12, 2024

Savings

TypeMinimum Deposit Interest Rate APY*
Basic$10 0.15%0.15%
Children$10 0.15% 0.15%
Youth$10 0.15% 0.15%
Micro Business $100 0.15% 0.15%
Not for Profit $10 0.15% 0.15%
Holiday$10 0.15% 0.15%

Checking

TypeMinimum Deposit Interest Rate APY*
Basic$0 0.10% 0.10%
Cash Global $0 0.00% 0.00%
Youth$0 0.10% 0.10%
Micro Business $100 0.10% 0.10%
Not for Profit $100 0.10% 0.10%

Money Market**

TypeMinimum Deposit Interest Rate APY*
Basic$5002.75% 2.79%
Micro Business $1,000 2.75% 2.79%
Not for Profit $1,000 2.75% 2.79%

IRA

TypeMinimum Deposit Interest Rate APY*
Roth, Traditional & Simplified Employee Pension (SEP)$254.60% 4.71%

Share Term Certificates Regular

TermMinimum Deposit Interest Rate APY*
6 Months$5004.60%4.60%
12 Months $5004.70% 4.70%
18 Months $5004.30% 4.30%
24 Months $5004.30% 4.30%
36 Months $5003.80% 3.80%
48 Months $5003.40% 3.40%
60 Months $5003.50% 3.50%

Term Certificates $100k Jumbo

TermMinimum Deposit Interest Rate APY*
6 Months$100,0005.00% 5.00%
12 Months $100,0004.90% 4.90%
18 Months $100,0004.70% 4.70%
24 Months $100,0004.50% 4.50%
36 Months $100,0003.90% 3.90%
48 Months $100,0003.75% 3.75%
60 Months $100,0003.75% 3.75%

Term Certificates $200K Jumbo

TermMinimum Deposit Interest Rate APY*
6 Months$200,0005.10% 5.10%
12 Months $200,0005.00% 5.00%
18 Months $200,0004.75% 4.75%
24 Months $200,0004.80% 4.80%
36 Months $200,0004.20% 4.20%
48 Months $200,0003.75% 3.75%
60 Months $200,0003.75% 3.75%

* Annual Percentage Yield

**Minimum deposit must be maintained to earn interest

Loan Rates

Auto Loans — Fixed Rate

New Vehicle 1

All rates are based on a term of 72 months
Loan to Value APR Maximum Amount Avg. Loan Amount Avg. Payment
95% 8.750%*$60,000 $25,000 $411
85% 10.750%$20,000 $20,000 $349
70% 10.250%$60,000 $25,000 $429

Used Vehicle Loans

All rates are based on a term of 72 months
Loan to Value APR Maximum Amount Avg. Loan Amount Avg. Payment
95% 11.250%*$60,000 $25,000 $441
85% 13.250%$20,000 $20,000 $374
70% 12.250%$60,000 $25,000 $454

Other Loans - Variable (‡) & Fixed Rates

Closed-End Fixed Rate

APR Maximum Amount Loan to Value
Credit Builder 6.00% N/A 100%
Signature Personal Loan 16.00% $20,000 N/A
Personal Loan, Secured 15.00% $20,000 70%
Micro Business Signature 16.00% $20,000
Micro Business Secured 15.00% $20,000 70%

Open-End Variable Rate 2

APR Maximum APR
Personal Loan, Signature 15.00% 18.00%

Home Equity Line of Credit

APR Maximum APR
LCCU First Mortgage 8.50% 18.00%

Credit Cards 3

APR Maximum APR
VISA® Secured 12.75% 18.00%
VISA® Credit Card 17.75% 18.00%
1 All current and prior year models must have fewer than 10,000 miles
2 The variable APR is subject to change quarterly and is based on the 26 week Treasury Bill auction held each quarter which establishes the index. The index rate cannot be less than 6.75% per year. A margin of 8.25% is added to the index to establish the interest rate. Maximum rate of 18.00% Variable APR.
3 The variable APR is subject to change quarterly and is based on the first 6-month Treasury Bill Auction held each quarter which establishes the index. A margin of 12.5% is added to the index for VISA® credit cards and a margin of 7.5% is added for secured credit cards to establish the interest rate. No minimum interest rate, maximum rate of 18.00% Variable APR.
*Credit history required **Variable rates may increase
Quoted rates, dividends, annual percentage yields (APY) and annual percentage rates (APR) are subject to change at the discretion of the Board of Directors.
Mortgage Rates

Mortgage Loans — Variable Rate (+)

Adjustable Rate Mortgages (ARM)

All are 5 Year ARM with a maximum term of 30 years
Rate APRLoan to Value Margin
8.000% 6.996% 80% 2.00%
8.500% 7.516% 90% 2.50%
9.000% 8.036% 95% 3.00%
Variable rates may change. A loan origination fee of 1% of the loan amount is charged. The interest rate cannot change by more than 2% every 5 years and no more than 6% over the life of the loan. Future rates and payments determined based on adding a margin to the index (5 Years Constant Maturity Treasury Yield rounded up to the next highest one-eighth of one percentage point). Subject to a floor rate of 4.00% for 80% LTV, 4.50% for 90% LTV and 5.00% 95% LTV.

Mortgage Loans — Fixed Rate

Fixed Rate Mortgages

Type & Maximum Term Rate APRLoan to Value
10 year Fixed 6.625% 6.848% 80%
15 year Fixed 6.875% 7.035% 80%
20 year Fixed 7.125% 7.255% 80%
10 year Fixed 6.875% 7.099% 80.01% - 90%
15 year Fixed 7.125% 7.286% 80.01% - 90%
20 year Fixed 7.375% 7.506% 80.01% - 90%
A loan origination fee of 1% of the loan amount is charged. Fixed Interest Rates change every week, please contact a service representative for the latest rates. APR is calculated based on $150,000 loan amount with 15 days of interim interest, using max term for each product.

Sample Payment Calculations for a Fixed Rate Loan

Loan Amount Maximum Term RateLoan to ValueMonthly Payment*
$100,000 10 years 6.625% 80% $1,142
$100,000 15 years 6.875% 80% $892
$100,000 20 years 7.125% 80% $783
$100,000 10 years 6.875% 90% $1,155
$100,000 15 years 7.125% 90% $906
$100,000 20 years 7.371% 90% $798
*Does not include homeowners insurance or property tax payments.

Fees, other conditions or early withdrawal penalties may reduce earnings on an account. Quoted rates, dividends and annual percentage yields (APY) are subject to change daily at the discretion of the Board of Directors.

Your deposits are federally insured up to $250,000 and backed by the full faith and credit of the United States Government.