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.

Car Loans

Model Years Term APR – as low as
2022-2015 36 months 2.25%*
  48 months 2.50%*
  60 months 2.75%*
  72 months 3.25%*
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
2022 – 2015 36 months 3.25%*
  48 months 3.50%*
  60 months 3.75%*
  72 months 4.25%*
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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*APR = Annual Percentage Rate. The APR available varies from 2.25% to 16.99%, depending on credit score and length of financing. Rates are good from December 2021 – March 31, 2022. Rates apply to 2015-2022-year models. Minimum $20,000.00 for loans financed for 72 months.

Offer valid on new / used auto and recreational vehicles. Rates apply to new money only. Not available for refinancing of current LCU loans. All loans are subject to normal credit approval terms and risk analysis.

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 9.99%
Lifestyle* 60 months 8.99%

*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 3.625%
20-year fixed 3.375%
15-year fixed 2.875%
10-year fixed 2.875%
  • 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 a board of directors’ approval.

Calculate your mortgage payment here

Deposit Rates

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

Account Rate APY
Checking 0.20% 0.20%
Savings 0.40% 0.40%
  • The minimum amount to earn dividends $100.
  • Dividends are determined and paid quarterly.
Certificates under $19,999 Rate APY
12 months 0.45% 0.45%
18 months 0.50% 0.50%
24 months 0.55% 0.55%
36 months 0.60% 0.60%
Certificates over $20,000 Rate APY
12 months 0.55% 0.55%
18 months 0.60% 0.60%
24 months 0.65% 0.65%
36 months 0.70% 0.70%
  • Minimum amount to open a 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 younger than 18 years for UTMA account.
    • Minimum amount to open a 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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