Personal Loans

When you need additional funds, we can help you afford unexpected expenses or costs outside your budget with secured and unsecured loans. Have a question about our posted rates? To discuss your options with our experienced lending specialists, please contact us. 

Fitness Loan

Purchase fitness equipment including exercise machines and weight sets.

  • $200 loan minimum; $10,000 loan maximum
  • Five year maximum term
  • $40.00 processing fee

Effective Date: Friday, June 9, 2023

Fitness Loan
Minimum LoanMaximum LoanMaximum TermRateAPRPayment per $1,000 Borrowed
$200.00$10,000.005 Year12.750%13.104%$22.63

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

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

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Signature Personal Line of Credit

Use and repay allotted funds on an as-needed basis.

  • $5,000 loan maximum
  • Revolving line of credit
  • $40.00 processing fee
  • No annual fee

Effective Date: Friday, June 9, 2023

Signature Personal Line of Credit
Minimum LoanMaximum LoanTermRateAPR
None$20,000.00Revolving14.000%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.

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All Purpose Personal Loan

Cover surprise and expected costs with supplemental funds when needed.

  • $1,000 loan minimum; $5,000 loan maximum
  • Loan terms from one to five years
  • $40.00 processing fee

Effective Date: Friday, June 9, 2023

All Purpose Personal Loan
Minimum LoanMaximum LoanTermRateAPRPayment per $1,000 Borrowed
$1,000.00$5,000.001 Year10.750%12.262%$88.27
$1,000.00$5,000.002 Year11.250%12.052%$46.72
$1,000.00$5,000.003 Year11.750%12.304%$33.10
$1,000.00$5,000.004 Year12.250%12.679%$26.46
$1,000.00$5,000.005 Year12.750%13.104%$22.63

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

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Holiday Debt Regret Personal Loan

Benefit from manageable payments when holiday expenses add up.

  • $500 loan minimum; $2,500 loan maximum
  • Two-year term
  • $40.00 processing fee

Effective Date: Friday, June 9, 2023

Holiday Debt Regret Personal Loan
Minimum LoanMaximum LoanTermRateAPRPayment per $1,000 Borrowed
$500.00$2,500.002 Year11.250%12.850%$46.72

APR: Annual Percentage Rate is based on a $2,500.00 loan amount, unless otherwise noted.

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Back to School Personal Line of Credit

Assists with education-related expenses.

  • $10,000 loan maximum
  • Revolving line of credit
  • No processing fee
  • No annual fee

Effective Date: Friday, June 9, 2023

Back to School Personal Line of Credit
Minimum LoanMaximum LoanTermRateAPR
None$20,000.00Revolving13.000% 13.000%

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

Daily Periodic Rate: .024658% / Daily Periodic Rate with Automatic Loan Payment: .021917%.

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.

Loan proceeds must be used for educational purposes.

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Home Improvement Personal Loan

Accomplish minor or major home improvement projects.

  • $500 loan minimum; $20,000 loan maximum
  • Seven year maximum loan term
  • $40.00 processing fee

Effective Date: Friday, June 9, 2023

Home Improvement Personal Loan
Minimum LoanMaximum LoanMaximum TermRateAPRPayment per $1,000 Borrowed
$500.00$20,000.001 Year10.750%11.507%$88.27
$500.00$20,000.002 Year10.750%11.151%$46.49
$500.00$20,000.003 Year10.750%11.026%$32.62
$500.00$20,000.004 Year10.750%10.962%$25.72
$500.00$20,000.005 Year11.250%11.425%$21.87
$500.00$20,000.007 Year12.250%12.382%$17.79

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

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Overdraft Protection Loan

Avoid the fees and hassles that account overdrafts can bring.

  • $500 loan minimum
  • Three year maximum loan term
  • $40.00 processing fee
  • $25.00 annual fee

Effective Date: Friday, June 9, 2023

Overdraft Protection Loan
Minimum LoanMaximum TermRateAPRPayment per $1,000 Borrowed
$500.003 Year16.250%16.819%$35.28

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

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Vacation Loan

Treat yourself to a much-needed getaway.

  • $500 loan minimum; $3,500 loan maximum
  • One year term
  • $40.00 processing fee

Effective Date: Friday, June 9, 2023

Vacation Loan
Minimum LoanMaximum LoanTermRateAPRPayment per $1,000 Borrowed
$500.00 $3,500.001 Year10.750%12.907%$88.27

APR: Annual Percentage Rate is based on a $3,500.00 loan amount, unless otherwise noted.

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Pool/Spa Unsecured Loan

Add enjoyment for your family and friends.

  • $1,500 loan minimum; $20,000 loan maximum
  • Five year term
  • $40.00 processing fee

Effective Date: Friday, June 9, 2023

Pool/Spa Unsecured Loan
Minimum LoanMaximum LoanTermRateAPRPayment per $1,000 Borrowed
$1,500.00$20,000.005 Year11.250%12.978%$21.87

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

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Energy Loan

Invest in environmentally-friendly home enhancements.

  • $500 loan minimum; $10,000 loan maximum
  • Five year maximum loan term
  • $40.00 processing fee

Effective Date: Friday, June 9, 2023

Energy Loan
Minimum LoanMaximum LoanMaximum TermRateAPRPayment per $1,000 Borrowed
$500.00$10,000.005 Year10.250%10.595%$21.37

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

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

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Energy Personal Line of Credit

Draw from designated funds to purchase energy-efficient products and services.

  • $2,500 loan maximum
  • Revolving line of credit
  • $40.00 processing fee
  • No annual fee

Effective Date: Friday, June 9, 2023

Energy Personal Line of Credit
Minimum LoanMaximum Loan TermRateAPR
None$2,500.00Revolving12.250%12.250%

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

Daily Periodic Rate: .020547%.

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.

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Term Share Signature Line of Credit

Secured funds can used to cover personal expenses as costs arise.

  • Maximum of 95% Value of Term Share
  • Revolving line of credit
  • No processing fee
  • No annual fee

Effective Date: Friday, June 9, 2023

Term Share Signature Line of Credit
Minimum LoanMaximum LoanTermRateAPR
NoneMax 95% Value of Term Share1 Year or Maturity Date6.250%6.250%

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

Daily Periodic Rate is based on Term Share rate plus 4.000%.

Annual Percentage Rate Adjustment: The interest rate shall be fixed at a rate of 4.00% above the Share Certificate Rate securitizing this Share Certificate 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 the 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.

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Share Secured Loan

Borrow funds secured by a savings share account or term share certificate of deposit.

  • Savings Share - Maximum of 95% of share balance at the time of the loan disbursement
  • Term Share Certificate - Maximum of 95% of term share balance at time of loan disbursement
  • One year term or maturity date
  • $40.00 processing fee

Effective Date: Friday, June 9, 2023

Share Secured Loan
Share TypeMaximum LoanTermRateAPRPayment per $1,000 Borrowed
SavingsMax 95% of Share Balance at Time of Loan Disbursement1 Year6.250%7.746% $86.18
Term CertificateMax 95% of Term Share/IRA Balance at Time of Loan Disbursement1 Year or Maturity Date6.250%7.746%$86.18

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

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

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Credit Builder Loan

Strengthen your credit score using a share savings deposit account as collateral.

  • $500 loan minimum; $2,000 loan maximum
  • Two year term
  • $40.00 processing fee

Effective Date: Friday, June 9, 2023

Credit Builder Loan
Minimum LoanMaximum LoanTermRateAPRPayment per $1,000 Borrowed
$500.00$2,000.002 Year7.250%9.216%$44.89

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

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.

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Rest in Peace Funeral Loan

A personal loan to cover funeral expenses.

We are here to support you through the bereavement process. The "Rest in Peace" Funeral Loan Covers expenses related to services, burial or cremation, memorial stones, and other funeral needs. 

  • $1,000 loan minimum; $10,000 loan maximum 
  • Up to  5-year term
  • No processing fee

Effective Date: Friday, June 9, 2023

Rest in Peace Funeral Loan
MINIMUM LOANMAXIMUM LOANTERMRATEAPRPAYMENT PER $1,000 BORROWED
$1,000.00$10,000.00Max 5 year12.250% 12.250%$23.37

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

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