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Rates

Deposit Accounts — Variable Rate

Savings

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TypeMinimum DepositInterest RateAPY
Basic$10.20%.20%
Children$10.20%.20%
Youth$10.20%.20%
Micro Business$100.20%.20%
Not for Profit$10.20%.20%
Holiday$10.20%.20%

Checking

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TypeMinimum DepositInterest RateAPY
Basic$0.10%.10%
Cash Global$0.00%.00%
Youth$0.10%.10%
Micro Business$100.10%.10%
Not for Profit$500.10%.10%

Money Market*

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Minimum DepositInterest RateAPY
Basic$5000.90%0.90%
Micro Business$1,0000.90%0.90%
Not for Profit$1,0000.90%0.90%

*Minimum deposit must be maintained to earn interest.

IRA

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Minimum DepositInterest RateAPY
Roth, Traditional & Simplified Employee Pension (SEP)$25.001.15%1.16%

Deposit Accounts — Fixed Rate

Certificates of Deposit

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Minimum DepositInterest RateAPY
6 Months$5000.90%0.90%
12 Months$5001.55%1.55%
18 Months$5001.60%1.60%
24 Months$5001.90%1.90%
36 Months$5002.00%2.00%
48 Months$5002.25%2.25%
60 Months$5002.45%2.45%

Auto Loans — Fixed Rate

New Vehicle*

All rates are based on a term of 72 months

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Loan to ValueAPRMaximum AmountAvg. Loan AmountAvg. Payment
95%5.75%+$60,000$25,000$411
90%7.75%++$15,000$12,000$209
70%7.25%+++$60,000$25,000$429

Used Vehicle Loans

All rates are based on a term of 72 months

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Loan to ValueAPRMaximum AmountAvg. Loan AmountAvg. Payment
95%8.25%+$60,000$25,000$441
90%10.25%++$15,000$12,000$224
70%9.25%+++$60,000$25,000$454

Other Loans - Variable (‡) & Fixed Rates

Closed-End Fixed Rate

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APRMaximum AmountLoan to Value
Credit Builder6.00%N/A100%
Signature Personal Loan16.00%$20,000N/A
Personal Loan, Secured15.00%$20,00070%
Micro Business Signature16.00%$20,000
Micro Business Secured15.00%$20,00070%

Open-End Variable Rate**

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APRMaximum APR
Personal Loan, Signature15.00%18.00%

Home Equity Line of Credit

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APRMaximum APR
LCCU First Mortgage6.75%18.00%

Credit Cards***

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APRMaximum APR
VISA® Secured8.75%18.00%
VISA® Credit Card13.75%18.00%

*All current and prior year models must have fewer than 10,000 miles
**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
***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. Minimum down payment required 5%. Loan amount up to $60,000.
++ No credit history required (alternative credit required). Minimum down payment required 10%. Loan amount up to $15,000.
+++ No credit history required (alternative credit required). Minimum down payment required 30%. Loan amount up to $60,000.
‡ Variable rates may increase

Mortgage Loans — Variable Rate (+)

Adjustable Rate Mortgages (ARM)

All are 5 Year ARM with a maximum term of 30 years

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Initial RateAPRLoan to ValueMargin
5.25%5.34%80%3.00%
5.75%5.86%90%3.50%
7.00%7.13%95%4.25%

For the 80% 5 year adjustable rate mortgage loans a loan origination fee of 0.75% of the loan amount is charged. For 90% & 95% 5 year adjustable rate mortgage loans a loan origination fee of 1% of the loan amount is charged. The interest rate may only increase or decrease 2% for 5 year ARMs and can increase no more than 6% above the initial rate over the life of the loan. Future rates and payments are 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 5.25% for 80% LTV, 5.75% for 90% LTV and 7.00% 95% LTV.

Mortgage Loans — Fixed Rate

Fixed Rate Mortgages

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Type & Maximum TermInitial RateAPRLoan to Value
10 year Fixed5.75%5.97%80%
15 year Fixed6.00%6.16%80%
20 year Fixed6.25%6.38%80%
10 year Fixed6.25%6.53%80.01% - 90%
15 year Fixed6.50%6.70%80.01% - 90%
20 year Fixed6.75%6.91%80.01% - 90%

A loan origination fee of 0.75% of the loan amount is charged for fixed rate mortgages at or below 80% LTV. A loan origination fee of 1% of the loan amount is charged on fixed rate mortgages above 80.01% LTV. 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

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Loan AmountMaximum TermAPRLoan To ValueMonthly Payment*
$100,00010 years5.75%80%$1,098
$100,00015 years6.00%80%$844
$100,00020 years6.25%80%$731
$100,00010 years6.25%90%$1,123
$100,00015 years6.50%90%$871
$100,00020 years6.75%90%$760

+Variable rates may increase.
*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.

ncua-blueYour deposits are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.