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 |
|
|
|
| 2018-2013 |
36 months |
2.50% |
|
48 months |
2.75% |
|
60 months |
3.00% |
|
72 months |
3.50% |
| 2012-2008 |
36 months |
3.50% |
|
48 months |
3.75% |
|
60 months |
4.00% |
| 2007 and older |
36 months |
5.50% |
- Get additional 0.25 percentage point discount with loan payment through payroll deduction
Calulate Your Payment
Recreational Loans
motor homes, trailers, boats, ATVs, motorcycles, snowmobiles
| Model Years |
Term |
APR – as low as |
| 2018 – 2013 |
36 months |
3.50% |
|
48 months |
3.75% |
|
60 months |
4.00% |
|
72 months |
4.50% |
| 2012-2008 |
36 months |
4.50% |
|
48 months |
4.75% |
|
60 months |
5.00% |
|
72 months |
5.50% |
| 2007 and older |
36 months |
5.50% |
|
48 months |
5.75% |
|
60 months |
6.00% |
|
72 months |
6.50% |
- Get additional 0.25 percentage point discount with loan payment through payroll deduction
Calulate Your Payment
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.
Calulate Your Payment
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.
- Get additional 0.25 percentage point discount with loan payment through payroll deduction.
Calulate Your Payment
Home Loans
Mortgage Loans
| Loan Type |
Rate |
Origination |
APR – as low as |
| 30-year fixed |
4.500% |
1.00% |
4.557% |
| 20-year fixed |
4.375% |
1.00% |
4.435% |
| 15-year fixed |
4.125% |
1.00% |
4.223% |
| 10-year fixed |
4.125% |
1.00% |
4.223% |
- 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 10-yr term – Primary Home |
5.00% |
| Up to 10-yr term – Second Home |
6.00% |
Home Equity Line of Credit (HELOC)
| Loan Type |
APR – as low as |
| HELOC – Primary Home |
5.00% |
| HELOC – Second Home |
6.00% |
- Up to 80% Loan to Value.
- Loan draw period 5 years; repayment 15-years.
- Member costs: appraisal, title fees and 1% origination fee.
- The APR is based on Wall Street Journal Prime Rate index that is published on the 15th day of the month. Minimum APR is 5.00% and maximum APR 18%.
Calculate your mortgage payment here
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.
