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.
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.