All rates are subject to change at any time. The Latvian Credit Union practices risk based lending, thus your credit score will impact the rate you are able to obtain.

CD PROMOTION 

2.00% APY*

13 MONTH TERM

• Through end of June 30, 2020
• Minimum amount to earn dividends $10,000
• New money only
• Non-renewable
• Dividends are paid semi-annually.

Car Loans

Model Years	Term	APR – as low as
2020-2015	36 months	3.25%
	48 months	3.50%
	60 months	3.75%
	72 months	4.25%
2014-2010	36 months	4.25%
	48 months	4.50%
	60 months	4.75%
2009 and older	36 months	6.25%

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Recreational Loans

motor homes, trailers, boats, ATVs, motorcycles, snowmobiles

Model Years	Term	APR – as low as
2020 – 2015	36 months	4.25%
	48 months	4.50%
	60 months	4.75%
	72 months	5.25%
2014-2010	36 months	5.25%
	48 months	5.50%
	60 months	5.75%
	72 months	6.25%
2009 and older	36 months	6.25%
	48 months	6.50%
	60 months	6.75%
	72 months	7.25%

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Personal Loans – Secured

Loan Type	Term	APR
Share Secured	36 months	share rate + 2%
Certificate Secured	same as certificate term	certificate rate + 2%

• Loan amount limited to share amount or certificate amount.

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Personal Loans – Unsecured

Loan Type	Term	APR – as low as
Signature	60 months	8.50%
Lifestyle*	60 months	7.50%

*medical, dental, adoption, wedding or other special occasions.

• Maximum loan amount: $10,000.

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Home Loans

Mortgage Loans

Loan Type	Rate
30-year fixed	3.500%
20-year fixed	3.250%
15-year fixed	3.000%
10-year fixed	3.000%

• Up to 95% Loan to Value.
• Adjustable Rate Mortgage (ARM), FHA, VA and Rural Development mortgage programs also available.
• Mortgages offered in the following states AL, AR, CA, CO, CT, DE, FL, GA, IL, IN, IA, KS, KY, MD, MI, MN, MS, MO, NE, NH, NJ, NM, NC, ND, OH, OK, PA, SC, SD, TN, TX, WI.

Home Equity Loan

Loan Type	APR – as low as
Up to 15-yr term – Primary Home	5.00%
Up to 15-yr term – Second Home	5.00%

• Up to 90% (FICO score 730+) or 80% (FICO score 729-600) Loan to Value.
• Fixed rate
• Floor: 5%
• 15 year amortization
• Maximum loan amount: $150,000

Home Equity Line of Credit (HELOC)

Loan Type	APR – as low as
HELOC – Primary Home	5.00%
HELOC – Second Home	5.00%

• Up to 90% (FICO score 730+) or 80% (FICO score 729-600) Loan to Value.
• Variable rate, based on Wall Street Journal Prime Rate index +/-; adjusted quarterly (Feb1-May1-Aug1-Nov1)
• Loan draw period 5 years; 20 year amortization including draw period.
• Maximum loan amount: $150,000
• Member costs: appraisal, title fees and 1% origination fee.

Construction Loans

Loan Type	APR – as low as
Up to 12 month term – Primary Home	6.00%
Up to 12 month term – Second Home	6.00%

• Fixed rate
• Floor: 6%
• Term: 12 month
• Loan amount: Up to $400,000 with board of directors’ approval.

Calculate your mortgage payment here

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Deposit Rates

All rates are subject to change at any time. $5 minimum deposit required to open share savings account

Account	Rate	APY
Checking	0.20%	0.20%
Savings	0.40%	0.40%

• Minimum amount to earn dividends $100.
• Dividends are determined and paid quarterly.

•  

Certificates under $19,999	Rate	APY
12 months	0.80%	0.80%
18 months	1.00%	1.00%
24 months	1.10%	1.10%
36 months	1.30%	1.30%

Certificates over $20,000	Rate	APY
12 months	0.90%	0.90%
18 months	1.10%	1.10%
24 months	1.20%	1.20%
36 months	1.40%	1.40%

• Minimum amount to open certificate account $1,000.
• Dividends are paid semi-annually.
• The early withdrawal penalty is 60 days dividends.

Kids Club Savings	Rate	APY
12 months	1.40%	1.40%

• Must be 18 years or younger or UTMA account.
• Minimum amount to open kids certificate account $100.
• Dividends are paid quarterly.

*APY=Annual Percentage Yield. APY depends on the frequency of compounding and the interest rate.

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