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 |
| |
|
|
| 2021-2015 |
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% |
Calculate Your Payment
Recreational Loans
motor homes, trailers, boats, ATVs, motorcycles, snowmobiles
| Model Years |
Term |
APR – as low as |
| 2021 – 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% |
Calculate 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 |
9.99% |
| Lifestyle* |
60 months |
8.99% |
*medical, dental, adoption, wedding or other special occasions.
- Maximum loan amount: $10,000.
Calculate Your Payment
Home Loans
Mortgage Loans
| Loan Type |
Rate |
| 30-year fixed |
3.000% |
| 20-year fixed |
2.875% |
| 15-year fixed |
2.375% |
| 10-year fixed |
2.250% |
- 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.
