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 3/14/2022. All rates 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 5 debit card purchases must be maintained per month to earn dividends. Dividends paid monthly.

E-Statement opt-in 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 3/14/2022. All Rates 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 from each tier. Dividends paid quarterly.

 

Certificates of Deposits $1,000 minimum to open

Term Under $19,999
Nominal Rate/APY*
$20,000 and more
Nominal Rate/APY*
1 Year 0.40% / 0.40%   0.45% / 0.45%
18 Month 0.40% / 0.40%   0.45% / 0.45%
2 Year 0.45% / 0.45%   0.50% / 0.50%
3 Year 0.50% / 0.50%   0.55% / 0.55%

All rates stated as of 3/14/2022. all rates subject to change without prior notice.
*APY = Annual Percentage Yield. Dividends paid quarterly.

 

Kids Club Account (UTMA) $100 minimum to open

Balance Range Nominal Rate/APY*
$100 or more 0.50% / 0.50%

All rates stated as of 3/14/2022. All rates subject to change without prior notice.
*APY = Annual Percentage Yield. Dividends paid quarterly.

 

Auto Loans

Credit Score Paper Grade LTV Maximum Amount 36 Month* 48 Month* 60 Month* 72 Month*
A+ 730 & UP 100% $100,000 3.25% 3.50% 3.75% 4.25%
A 680 – 729 100% $70,000 3.50% 3.75% 3.99% 4.50%
B 640 – 679 100% $60,000 5.50% 5.75% 5.99% 6.50%
C 600 – 639 90% $40,000 8.50% 8.75% 9.99% 9.50%
D 550 – 599 80% $20,000 14.50% 14.75% 14.99% 15.50%

All loans are subject to normal credit approval terms and risk analysis. APR = Annual Percentage Rate. The APR available varies from 3.25% to 16.99%, depending on credit score and length of financing. Rates apply to the 2015–2022-year models.

 

Recreational Vehicles

Credit Score Paper Grade LTV Maximum Amount 36 Month* 48 Month* 60 Month* 72 Month*
A+ 730 & UP 100% $100,000 4.25% 4.50% 4.75% 5.25%
A 680 – 729 100% $70,000 4.50% 4.75% 4.99% 5.50%
B 640 – 679 100% $60,000 6.50% 6.75% 6.99% 7.50%
C 600 – 639 90% $40,000 9.50% 9.75% 9.99% 10.50%
D 550 – 599 80% $20,000 15.50% 15.75% 15.99% 16.50%

All loans are subject to normal credit approval terms and risk analysis. Rates apply to the 2015–2022-year models.

 

Unsecured Loans

Credit Score Paper Grade Maximum Amount* Signature Loan Lifestyle Loan**
A+ 730 & UP 120% 9.99% 8.99%
A 680 – 729 100% 10.99% 9.99%
B 640 – 679 90% 11.99% 10.99%
C 600 – 639 80% 13.99% 12.99%

*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 5.00% 95% 6.00%
A 680 – 729 80% $150,000 5.50% 95% 6.50%
B 640 – 679 80% $150,000 6.00% 95% 7.00%
C 600 – 639 80% $150,000 6.50% 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, amounts between $126,000 and $647,200. NMLS# 525558

 

Mortgage Rates

Term Nominal Rate/APY*
30-Year Fixed 5.375%
20-Year Fixed 5.125%
15-Year Fixed 4.625%
10-Year Fixed 4.625%
30-Year Fixed FHA 5.000%
30-Year Fixed VA 5.000%
30-Year Fixed USDA 5.000%

*Rates are subject to change without notification. All rates assume credit scores of 740 and above & loan amounts between $126,000 and $647,200. Please contact Latvian CU for specific information. All loans must be approved prior to locking. NMLS# 525558

All rates stated as of 4/21/2022. All rates subject to change daily.

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