Loan Rates
Auto, recreational vehicle, home equity, mortgage and personal loan rates. Rates shown are the lowest available for each term; your rate depends on credit history and the loan.
Rates as of October 1, 2026
Auto
Military / First Responder Loan Rate Discount: 0.25% off Signature Loans, Fixed Rate Mortgages, Home Equity Term Loans, and Vehicle / RV Loans.**
Auto Loans: Car, Truck, Motorcycle (New & Used)
Vehicle Age2024 & Newer
Up to 36 Months
4.74%^APRUp to 63 Months
4.74%^APRUp to 75 Months
5.24%^APRUp to 84 Months
5.74%^APR
Vehicle Age2023-2021
Up to 36 Months
4.99%^APRUp to 63 Months
4.99%^APRUp to 75 Months
5.49%^APRUp to 84 Months
5.99%^APR
Vehicle Age2020 & older
Up to 36 Months
6.24%^APRUp to 63 Months
6.24%^APRUp to 75 Months
6.49%^APRUp to 84 Months
7.24%^APR
| Vehicle Age | Tier | APR |
|---|---|---|
| 2024 & Newer | Up to 36 Months | 4.74%^ |
| 2024 & Newer | Up to 63 Months | 4.74%^ |
| 2024 & Newer | Up to 75 Months | 5.24%^ |
| 2024 & Newer | Up to 84 Months | 5.74%^ |
| 2023-2021 | Up to 36 Months | 4.99%^ |
| 2023-2021 | Up to 63 Months | 4.99%^ |
| 2023-2021 | Up to 75 Months | 5.49%^ |
| 2023-2021 | Up to 84 Months | 5.99%^ |
| 2020 & older | Up to 36 Months | 6.24%^ |
| 2020 & older | Up to 63 Months | 6.24%^ |
| 2020 & older | Up to 75 Months | 6.49%^ |
| 2020 & older | Up to 84 Months | 7.24%^ |
Auto Loans: RV (Recreational Vehicle) (New & Used)
Vehicle Age2024 & Newer
Up to 63 Months
8.50%^APRUp to 120 Months
8.75%^APRUp to 180 Months
9.25%^APR
Vehicle Age2023-2021
Up to 63 Months
9.00%^APRUp to 120 Months
9.25%^APRUp to 180 Months
9.75%^APR
Vehicle Age2020 & older
Up to 63 Months
9.50%^APRUp to 120 Months
9.75%^APRUp to 180 Months
10.00%^APR
| Vehicle Age | Tier | APR |
|---|---|---|
| 2024 & Newer | Up to 63 Months | 8.50%^ |
| 2024 & Newer | Up to 120 Months | 8.75%^ |
| 2024 & Newer | Up to 180 Months | 9.25%^ |
| 2023-2021 | Up to 63 Months | 9.00%^ |
| 2023-2021 | Up to 120 Months | 9.25%^ |
| 2023-2021 | Up to 180 Months | 9.75%^ |
| 2020 & older | Up to 63 Months | 9.50%^ |
| 2020 & older | Up to 120 Months | 9.75%^ |
| 2020 & older | Up to 180 Months | 10.00%^ |
Rates quoted include an LTV up to 100% or less. Rate may differ depending upon credit worthiness, LTV, and loan amount. / ^Rates reflect a 0.25% APR reduction for Payroll Deduction or Auto Transfer. Your rate will increase if you discontinue Automatic Payment Service. Rates are listed for 1st liens only; rates may be higher for 2nd lien positions.
Home
Home Loans: Mortgage
First Mortgage Fixed
Offering Conventional, Lebanon County First Time Homebuyers Program
| Term | Rate |
|---|---|
| First Mortgage Fixed | See Rates |
| Offering Conventional, Lebanon County First Time Homebuyers Program |
Home Loans: Home Equity (Fixed): Up to 80% LTV
Up to 5 Years
- 1st Lien Position
- as low as5.490%APR*
- 2nd Lien Position
- as low as5.490%APR*
- Up to 80% LTV
Up to 10 Years
- 1st Lien Position
- as low as5.490%APR*
- 2nd Lien Position
- as low as5.490%APR*
- Appraisal Fee does apply
Up to 15 Years
- 1st Lien Position
- as low as6.250%APR*
- 2nd Lien Position
- as low as6.250%APR*
- Contact LFCU for Details
Up to 20 Years
- 1st Lien Position
- as low as7.500%APR*
- 2nd Lien Position
- as low as7.500%APR*
| Term | 1st Lien Position Rate | 2nd Lien Position Rate | Comments |
|---|---|---|---|
| Up to 5 Years | as low as 5.490% APR* | as low as 5.490% APR* | Up to 80% LTV |
| Up to 10 Years | as low as 5.490% APR* | as low as 5.490% APR* | Appraisal Fee does apply |
| Up to 15 Years | as low as 6.250% APR* | as low as 6.250% APR* | Contact LFCU for Details |
| Up to 20 Years | as low as 7.500% APR* | as low as 7.500% APR* |
Home Loans: Home Equity (Fixed): Up to 90% LTV
Up to 5 Years
- 1st Lien Position
- as low as6.000%APR*
- 2nd Lien Position
- as low as6.500%APR*
- Up to 90% LTV
Up to 10 Years
- 1st Lien Position
- as low as6.000%APR*
- 2nd Lien Position
- as low as6.500%APR*
- Appraisal Fee does apply
Up to 15 Years
- 1st Lien Position
- as low as6.750%APR*
- 2nd Lien Position
- as low as7.250%APR*
- Contact LFCU for Details
Up to 20 Years
- 1st Lien Position
- as low as8.000%APR*
- 2nd Lien Position
- as low as8.500%APR*
| Term | 1st Lien Position Rate | 2nd Lien Position Rate | Comments |
|---|---|---|---|
| Up to 5 Years | as low as 6.000% APR* | as low as 6.500% APR* | Up to 90% LTV |
| Up to 10 Years | as low as 6.000% APR* | as low as 6.500% APR* | Appraisal Fee does apply |
| Up to 15 Years | as low as 6.750% APR* | as low as 7.250% APR* | Contact LFCU for Details |
| Up to 20 Years | as low as 8.000% APR* | as low as 8.500% APR* |
Home Loans: Home Equity Line of Credit
$10,000.00
Maximum: No Maximum
1.99%APR*introductory rate for first 6 months.- Up to 90% LTV.
- Appraisal Fee does apply.
- Variable Rate Loan.
| Minimum | Maximum | Rate | Comments |
|---|---|---|---|
| $10,000.00 | No Maximum | 1.99% APR* introductory rate for first 6 months. | Up to 90% LTV. / Appraisal Fee does apply. / Variable Rate Loan. |
After 6 months rate is tiered to prime + a possible margin. / Rates as low as 3.25% APR*
Rates and information are subject to change at any time. *APR = Annual Percentage Rate. Home Equity Line of Credit (HELOC) promotional rate of 1.99% APR* is available on all new money advanced for a 6 month period of time from the date of the loan closing. Up to 90% LTV, 1st or 2nd lien position. Loan payment(s) begins upon initial advance. Monthly payment may vary and is based upon the outstanding principal balance as of the time of the last advance X 1.50% (e.g. $20,000 balance would result in a $300 minimum monthly payment). The promotional annual percentage rate will automatically terminate at the end of the promotional period. No notice to borrower required. Minimum credit line amount $10,000. Minimum initial advance $1,000; minimum subsequent advances $100. Interest rate is variable. Following the promotional period, the interest rate will be equal to the prime rate or prime rate plus 1% as published in the last issue of the Wall Street Journal on the last business day of the preceding month. The maximum APR* is 18% or the maximum Annual Percentage Rate allowed by applicable law, whichever is less. Minimum APR* is 3.25%. Minimum payments may result in a balloon payment at the end of the loan term. Other restrictions or conditions may apply. LFCU NMLS #: 408899
Other
Other Loans: Credit Builder Loan
Up to 60 months
8.00%APR*- Requires Automatic repayment (ACH, Payroll, Checking, Savings)
- Loan amounts of $500- $1000
| Term | Rate | Comments |
|---|---|---|
| Up to 60 months | 8.00% APR* | Requires Automatic repayment (ACH, Payroll, Checking, Savings) / Loan amounts of $500- $1000 |
No Application Fee. 50% of the loan proceeds will be pledged as collateral.
Other Loans: Land
Up to 5 years
as low as7.250%APR*Up to 10 years
as low as7.500%APR*Up to 15 years
as low as8.000%APR*- Up to 90% LTV.
- Appraisal fee does apply.
| Term | Rates | Comments |
|---|---|---|
| Up to 5 years / Up to 10 years / Up to 15 years | as low as 7.250% APR* / as low as 7.500% APR* / as low as 8.000% APR* | Up to 90% LTV. / Appraisal fee does apply. |
Other Loans: Share Secured
Up to 72 months
3.25%APR*^+ Collateral Rate- No Application Fee
Up to 120 months
3.75%APR*^+ Collateral Rate- No Application Fee
| Term | Rate | Comments |
|---|---|---|
| Up to 72 months | 3.25% APR*^ + Collateral Rate | No Application Fee |
| Up to 120 months | 3.75% APR*^ + Collateral Rate | No Application Fee |
Other Loans: Personal Line of Credit
Up to 60 months
as low as12.90%APR*- No Application Fee
| Term | Rate | Comments |
|---|---|---|
| Up to 60 months | as low as 12.90% APR* | No Application Fee |
Other Loans: Signature, Unsecured Loan
Up to 60 Months
as low as9.99%APR*^- No Application Fee
| Term | Rate | Comments |
|---|---|---|
| Up to 60 Months | as low as 9.99% APR*^ | No Application Fee |
Other Loans: Visa Platinum / Classic
Platinum
as low as10.40%APR*- No Annual Fee, Cash Advances are the same Rate
- Fixed Rate
- Minimum $5,000 limit
Classic
as low as12.90%APR*- No Annual Fee, Cash Advances are the same Rate
- Fixed Rate
- Minimum $500 limit
| Type | Rate | Comments |
|---|---|---|
| Platinum | as low as 10.40% APR* | No Annual Fee, Cash Advances are the same Rate |
| Fixed Rate | ||
| Minimum $5,000 limit | ||
| Classic | as low as 12.90% APR* | No Annual Fee, Cash Advances are the same Rate |
| Fixed Rate | ||
| Minimum $500 limit |
APR* – Annual Percentage Rate. / ^Rates reflect a 0.25% APR reduction for Payroll Deduction or Auto Transfer. Your rate will increase if you discontinue Automatic Payment Service. Rates are listed for 1st liens only; rates may be higher for 2nd lien positions.
**Military Discount (Active Duty, Reserve, Guard, Veteran) requires proof of eligibility, such as a current pay stub, W-2, DD214, honorable discharge papers, or government ID showing veteran status.First Responder Discount (Police, Fire, EMT) requires proof of active employment, such as a current pay stub, government ID, or prior year W-2.Military and First Responder discounts cannot be combined.
LTV -Loan to Value based off NADA for Auto Loans and Appraisal for Real Estate secured.
Quoted Rates “as is” and are not guaranteed and subject to change without notice. Always call our office to confirm rates. Rates listed are preferred rates. Actual loan rate will be based on creditworthiness of the loan applicant and may be higher.
Rate is determined by buyers credit rating, term of loan and year of vehicle being purchased. Rates listed are not guaranteed and are based on a one year old vehicle.
*APR=Annual Percentage Rate. Home Equity Closed End Fixed Rate term loan requires a minimum of 25,000 in new funds, up to 90% loan to value. Appraisal fee and other fees may apply. Offer may be withdrawn at any time and is not good in conjunction with any other offer. Monthly estimated payments on $1,000 for 120 months at 6.00% will be $11.10. Monthly estimated payments on $1,000 for 180 months at 6.50% is $8.71. Actual Rate may vary based on credit score, loan-to-value and other credit or loan terms. Property insurance is required.
APR = Annual Percentage Rate. APY = Annual Percentage Yield. Rates are subject to change without notice. Loan rates shown are the lowest available for the term; the rate you receive depends on your credit history and the loan.