Checking Account $100 minimum to open |
|
|---|---|
| Balance Range * | Nominal Rate/APY** |
| $1,000 to $14,999 | 0.05% / 0.05% |
| $15,000 or more | 0.10% / 0.10% |
All rates stated as of 10/28/2025. All rates are subject to change without prior notice.
**APY = Annual Percentage Yield
*The checking dividend rate will be applied to your checking account balance if you meet the following monthly qualifications:
At least five debit card purchases must be made monthly to earn dividends. Dividends are paid monthly. E-Statement opt-in is required.
Regular Shares $5 minimum to open |
|
|---|---|
| Balance Range * | Nominal Rate/APY** |
| $105 to $2,499 | 0.05% / 0.05% |
| $2,500 to $24,499 | 0.10% / 0.10% |
| $25,000 to $49,999 | 0.15% / 0.15% |
| $50,000 to $199,999 | 0.20% / 0.20% |
| $200,000 or more | 0.25% / 0.25% |
All Rates Stated as of 10/28/2025. All Rates are Subject to Change without prior notice.
**APY = Annual Percentage Yield.* Interest is paid at tier rates on balances within each tier. Total interest paid is the sum of each tier. Dividends are paid quarterly.
|
New Money CD Special
9-Month Certificate of Deposit (CD) – Limited Time Offer
🔥 3.85% APY*
Minimum Deposit: $5,000 🔥 4.00% APY*
Minimum Deposit: $25,000 Offer ends December 31, 2025 — don’t miss out!
*Annual Percentage Yield. Limited-time offer. APY applies only to new money (funds not currently on deposit with LCU). Early withdrawal of principal before maturity may result in a penalty. At maturity, this CD will automatically transfer to your savings account. You must become a Latvian Credit Union member with a savings account and a minimum $5 balance to open a CD. |
||
|---|---|---|
| Term | Under $19,999 Nominal Rate/APY* |
$20,000 and more Nominal Rate/APY* |
| 1 Year | 1.75% / 1.77% | 1.80% / 1.82% |
| 18 Month | 1.85% / 1.87% | 1.90% / 1.92% |
| 2 Year | 2.05% / 2.07% | 2.10% / 2.12% |
| 3 Year | 2.15% / 2.17% | 2.20% / 2.22% |
All rates stated as of 10/28/2025. All rates are subject to change without prior notice.
*APY = Annual Percentage Yield. Dividends are paid quarterly.
New Money means funds not previously on deposit with LCU. To qualify for an LCU New Money Certificate of Deposit (CD), you must open an LCU savings account. Existing LCU members may be eligible for the advertised CD rates by funding the CD with New Money. Upon maturity, the CD is terminated, and the funds are deposited into the member’s savings account. Early withdrawal penalties apply. Offer valid through December 31, 2025. Not available for business accounts.
Kids Club Account (UTMA) $100 minimum to open |
|
|---|---|
| Balance Range | Nominal Rate/APY* |
| $100 or more | 1.50% / 1.50% |
All rates stated as of 10/28/2025. All rates are subject to change without prior notice.
*APY = Annual Percentage Yield. Dividends are paid quarterly.
*Offer valid on new/used auto. Rates apply to new money only. All loans are subject to standard credit approval terms and risk analysis, for joint loans, the average credit score is used. APR = Annual Percentage Rate. The APR available varies from 5.49% to 17.74%, depending on credit score and length of financing. Rates apply to 2016–2024-year models. Price adjustment: +1% for 2011-2015 collateral, maximum term 60 Months. Price adjustment +3% 2010-older collateral, max term 36 MTh.
Recreational Vehicles |
|||||||
|---|---|---|---|---|---|---|---|
| Credit Score | Paper Grade | LTV | Maximum Amount | 36 Months* | 48 Months* | 60 Months* | 72 Months* |
| A+ | 730 & UP | 100% | $100,000 | 6.99% | 7.24% | 7.74% | 8.49% |
| A | 680 – 729 | 100% | $70,000 | 7.49% | 7.99% | 8.24% | 8.74% |
| B | 640 – 679 | 100% | $60,000 | 9.24% | 9.49% | 10.24% | 10.74% |
| C | 600 – 639 | 90% | $40,000 | 13.99% | 14.24% | 14.74% | 15.24% |
| D | 550 – 599 | 80% | $20,000 | 16.74% | 16.99% | 17.24% | 17.74% |
*Offer valid on new/used recreational vehicles. Rates apply to new money only. All loans are subject to standard credit approval terms and risk analysis, for joint loans, the average credit score is used. Rates apply to 2016–2024 model years. Price adjustment: +1% for 2011-2015 collateral, maximum term 60 Months. Price adjustment +3% 2010-older collateral, max term 36 MTh.
Unsecured Loans |
||||
|---|---|---|---|---|
| Credit Score | Paper Grade | Maximum Amount* | Signature Loan | Lifestyle Loan** |
| A+ | 730 & UP | 120% | 10.25% | 9.25% |
| A | 680 – 729 | 100% | 11.25% | 10.25% |
| B | 640 – 679 | 90% | 12.25% | 11.25% |
| C | 600 – 639 | 80% | 14.25% | 13.25% |
*Maximum loan amount = % of monthly income. Maximum loan amount – $10,000. Maximum loan term – 60 months.
**Lifestyle loan – medical, dental, adoption, wedding, or other special occasions.
Home Equity Loans* / Home Equity Line of Credit** / Construction Loans*** |
||||||
|---|---|---|---|---|---|---|
| Credit Score | Paper Grade | LTV HE & HELOC | Maximum Amount | Nominal Rate | LTV CONST | Nominal Rate CONST |
| A+ | 730 & UP | 80% | $150,000 | 7.25% | 95% | 7.25% |
| A | 680 – 729 | 80% | $150,000 | 7.50% | 95% | 7.50% |
| B | 640 – 679 | 80% | $150,000 | 7.75% | 95% | 7.75% |
| C | 600 – 639 | 80% | $150,000 | 8.00% | N/A | N/A |
*HE – Loan Term – 15-year amortization.
*HELOC – Loan Term – 5-year draw period & 15-year repayment. Floor – 5%.
***Construction Loan- Maximum Loan Amount – 10% of the Credit Union’s deposits.
LCU offers mortgage and refi loans, with amounts between $126,000 and $647,200. NMLS# 525558
Mortgage Rates |
|
|---|---|
| Term | Nominal Rate/APY* |
| 30-Year Fixed | 5.995% |
| 20-Year Fixed | 5.625% |
| 15-Year Fixed | 5.250% |
| 10-Year Fixed | 5.1250% |
| 30-Year Fixed FHA | 5.500% |
| 30-Year Fixed VA | 5.500% |
| 30-Year Fixed USDA | 5.875% |
*Rates are subject to change without notice. All rates assume credit scores of 740 and above & loan amounts between $126,000 and $647,200. Please contact the Latvian CU for specific information. All loans must be approved prior to locking. NMLS# 525558
All rates stated as of 10/28/2025. All rates are subject to change daily.