Loan Rates & Terms
Unsecured (Signature) Loans:  12% APR
This type of loan can be used for household purchases, debt consolidation, vacation, car repair etc.  Maximum amount is $10,000.  The amount you qualify for is based upon your ability to repay and may be less than the maximum amount stated.
Share Secured Loans: as low as 4.50% APR
This type of loan uses funds you have deposited at LTFCU (either in a regular share account or in a share certificate) as collateral.  The rate is 3% above the rate of the securing deposit account.
New Vehicle Loans: 48 months…..5.0%APR

60 months…..5.5%APR

72 months…..6.0%APR

Vehicles are considered “new” if no title has been issued other than the manufacturers title.
Used Vehicle Loans:  as low as 5.9% APR
Rates and terms are determined by the year model of the vehicle and by using the NADA book to establish a value for the vehicle. If the amount you need to borrow is below the NADA Loan Value, you can get the best rate.  Other rates are available if you need to borrow more than the loan value.
Credit Cards:      7.9%APR for Gold Card

9.9% APR for Regular
The credit union offers MasterCard, MasterCard Gold, Visa and Visa Gold. There is no annual fee, late fee or over-the-limit fee.  ATM access is available for cash advances.
  • All applications are subject to credit approval as set by the credit union's lending policies
  • All rates subject to change without notice.
  • APR = Annual Percentage Rate