Personal Loans

Overview

Tap and pay back as needed. Member benefits include:

$20,000 loan maximum
Revolving line of credit
$75 processing fee
No annual fee

View Rates

As of 1/18/2025


Minimum Loan	Maximum Loan	Term	Rates as low as *	APR *
None	$20,000	Revolving	14.000%	14.000%

APR: Annual Percentage Rate is based on a $5,000.00 loan amount, unless otherwise noted. Daily Periodic Rate: 0.026027%

Minimum Payment: Your minimum monthly payment will be 2.00% of your daily outstanding balance plus the amount of any prior minimum payments that you have not made or $25.00, whichever is greater.

*Rates and Annual Percentage Rates.

Apply Now Apply for a Signature Personal Line of Credit

Overview

Expand your budget to cover any extra expense. Member benefits include:

$1,000 loan minimum; $5,000 loan maximum
Loan terms from one to five years
$75 processing fee

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As of 1/18/2025


Minimum Loan	Maximum Loan	Term	Rates as low as *	APR *	Payment Per $1,000 borrowed
$1,000	$5,000	1-Year	10.750%	12.262%	$88.27
$1,000	$5,000	2-Year	11.250%	12.052%	$46.72
$1,000	$5,000	3-Year	11.750%	12.304%	$33.10
$1,000	$5,000	4-Year	12.250%	12.679%	$26.46
$1,000	$5,000	5-Year	12.750%	13.104%	$22.63

APR: Annual Percentage Rate is based on a $5,000.00 loan amount, unless otherwise noted.

*Rates and Annual Percentage Rates.

Apply Now Apply for an All-Purpose Personal Loan

Overview

Help defray education-related expenses. Member benefits include:

$20,000 loan maximum
Revolving line of credit
No annual fee

View Rates

As of 1/18/2025


Minimum Loan	Maximum Loan	Term	Rates as low as *	APR *
None	$20,000	Revolving	13.000%	13.000%

APR: Annual Percentage Rate is based on a $5,000.00 loan amount, unless otherwise noted.

*Rates and Annual Percentage Rates.

Minimum Payment: Your minimum monthly payment will be 2.00% of your daily outstanding balance plus the amount of any prior minimum payments that you have not made or $25.00, whichever greater.

Loan proceeds must be used for educational purposes.

Apply Now Apply for a Back-to-School Personal Line of Credit

Overview

A personal loan to cover educational expenses. Member benefits include:

$1,000 loan minimum; $20,000 loan maximum
Loan terms up to 7 years
No processing fee
No annual fee

View Rates

As of 1/18/2025


Minimum Loan	Maximum Loan	Term	Rates as Low as*	APR*	Payment per $1,000 Borrowed
$1,000.00	$5,000.00	3 Years	12.250%	12.252%	$33.33
$1,000.00	$10,000.00	5 Years	12.500%	12.502%	$22.50
$1,000.00	$20,000.00	7 Years	12.750%	12.752%	$18.06

APR: Annual Percentage Rate is based on a $5,000.00 loan amount, unless otherwise noted.

*Rates and Annual Percentage Rates

Loan proceeds must be used for educational purposes; financing is available up to a maximum of the full tuition amount.

Tuition invoice must be presented at closing and payment is applied to the name on the invoice.

ALP: Apply a 0.125% discount with automatic loan payment from a LUSO share draft checking account

Apply Now Apply for an Education Loan

Overview

Go ahead, check off a project or two. Member benefits include:

$500 loan minimum; $20,000 loan maximum
One- to seven-year loan terms
$75 processing fee

View Rates

As of 1/18/2025


Minimum Loan	Maximum Loan	Term	Rates as low as *	APR *	Payment Per $1,000 borrowed
$1,000	$20,000	1-Year	10.750%	11.507%	$88.27
$1,000	$20,000	2-Year	10.750%	11.151%	$46.49
$1,000	$20,000	3-Year	10.750%	11.026%	$32.62
$1,000	$20,000	4-Year	10.750%	10.962%	$25.72
$1,000	$20,000	5-Year	11.250%	11.425%	$21.87
$1,000	$20,000	7-Year	12.250%	12.382%	$17.79

APR: Annual Percentage Rate is based on a $10,000.00 loan amount, unless otherwise noted.

*Rates and Annual Percentage Rates.

Apply Now Apply for a Home Improvement Personal Loan

Overview

Avoid the fees and hassles of account overdrafts. Member benefits include:

$500 loan minimum
Three-year maximum loan term
$75 processing fee
$25 annual fee

View Rates

As of 1/18/2025


Minimum Loan	Maximum Term	Rates as low as *	APR	Payment per $1,000 borrowed
$500	3 Years	16.250%	16.819%	$35.28

*Rates and Annual Percentage Rates. APR: Annual Percentage Rate is based on a $5,000 loan amount, unless otherwise noted.

Apply Now Apply for an Overdraft Protection Loan

Overview

Indulge in a well-deserved luxury. Member benefits include:

$1,500 loan minimum; $20,000 loan maximum
Five-year term
$75 processing fee

View Rates

As of 1/18/2025


Minimum Loan	Maximum Loan	Maximum Term	Rates as low as*	APR*	Payment per $1,000 borrowed
$1,500	$20,000	5-Year	11.250%	12.978%	$21.87

APR: Annual Percentage Rate is based on a $10,000.00 loan amount, unless otherwise noted.

*Rates and Annual Percentage Rates.

Apply Now Apply for a Pool/Spa Unsecured Loan

Overview

Invest in energy-efficient home enhancements. Member benefits include:

$500 loan minimum; $10,000 loan maximum
Five-year maximum term
$75 processing fee

View Rates

As of 1/18/2025


Minimum Loan	Maximum Loan	Maximum Term	Rates as low as*	APR*	Payment per $1,000 borrowed
$500	$10,000	5-Year	10.250%	10.595%	$21.37

APR: Annual Percentage Rate is based on a $5,000.00 loan amount, unless otherwise noted.

*Rates and Annual Percentage Rates.

Energy Loan requires proof of purchase; funds are made payable directly to vendor.

Apply Now Apply for an Energy Loan

Overview

Use these secured funds to cover personal expenses. Member benefits include:

95% value of term share maximum
Revolving line of credit
No processing fee
No annual fee

View Rates

As of 1/18/2025


Minimum Loan	Maximum Loan	Term	Rates	APR
None	95% Value of Term Share	1-Year or Maturity Date	Term Share CD Rate (+) 5.00%	Varies

APR: Annual Percentage Rate is based on a $5,000.00 loan amount, unless otherwise noted.

Annual Percentage Rate Adjustment: The interest rate shall be fixed at a rate of 5.00% above the Certificate of Deposit Rate securitizing this Certificate of Deposit Line of Credit for the life of the loan. Any adjustment in the rate on the Certificate of Deposit being held as collateral against said loan will result in an adjustment on the rate on the line of credit. Any increase in the Annual Percentage Rate will result in an increase of the amount of finance charge and the amount of the monthly payment.

Minimum Payment: Your minimum monthly payment will be 2.00% of your daily outstanding balance plus the amount of any prior minimum payments that you have not made or $25.00, whichever greater.

Apply Now Apply for a Term Share Signature Line of Credit

Overview

Boost your credit score using a share savings account as collateral. Member benefits include:

$500 loan minimum; $2,000 loan maximum
Two-year term
$75 processing fee

View Rates

As of 1/18/2025


Minimum Loan	Maximum Loan	Term	Rate	APR	Payment per $1,000 borrowed
$500	$2,000	2-Year	7.250%	9.216%	$44.89

APR: Annual Percentage Rate is based on a $2,000.00 loan amount, unless otherwise noted. Based on a 2 year term.

Proceeds of the loan must be transferred to a LFCU share savings account, earning the standard savings rate, and retained as collateral for the life of the loan. Credit Builder Loan requires an active share draft checking account with automatic loan payment. The funds are released upon successful completion of the loan terms and regular timely payment.

Apply Now Apply for a Credit Builder Loan

Overview

Borrow funds secured by a savings share account or term share certificate of deposit. Member benefits include:

Maximum of 95% of term share or savings share balance at the time of the loan disbursement
One-year term or maturity date
No processing fee
No annual fee

View Rates

As of 1/18/2025


Share Type	Maximum Term	Term	Rate	APR	Payment per $1,000 borrowed
Savings	95% of Share Balance at Loan Disbursement	1 Year	Share Savings Rate (+) 6.00%	Varies	Varies
Term Certificate	95% of Share/IRA Balance at Loan Disbursement	1 Year or Maturity Date	Term Share CD Rate (+) 4.00%	Varies	Varies

APR: Annual Percentage Rate is based on a $5,000.00 loan amount, unless otherwise noted.

Annual Percentage Rate Adjustment: The interest rate shall be fixed at a rate of 6.00% above the Share Savings Rate or 4.00% above the Term Share Certificate of Deposit Rate securitizing this loan for the life of the loan. Any adjustment in the rate on the Share Savings or Term Share Certificate of Deposit being held as collateral against said loan will result in an adjustment to the rate on the loan. Any increase in the Annual Percentage Rate will result in an increase of the amount of finance charge and the amount of the monthly payment.

Minimum Payment: Your minimum monthly payment will be 2.00% of your daily outstanding balance plus the amount of any prior minimum payments that you have not made or $25.00, whichever is greater.

Apply Now Apply for a Share Secured Loan

Jump To:

Signature Personal Line of Credit

Overview

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All-Purpose Personal Loan

Overview

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Back-to-School Personal Line of Credit

Overview

View Rates

Education Loan

Overview

View Rates

Home Improvement Personal Loan

Overview

View Rates

Overdraft Protection Loan

Overview

View Rates

Pool/Spa Unsecured Loan

Overview

View Rates

Energy Loan

Overview

View Rates

Term Share Signature Line of Credit

Overview

View Rates

Credit Builder Loan

Overview

View Rates

Share Secured Loan

Overview

View Rates

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