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All Rates and Yields are effective
SAVINGS (Share) RATES
ACCOUNT TYPE |
Balance to Earn Dividends |
APY* |
Dividend Rate |
|
Under $500 |
0.50% |
0.50% |
$500 to $999 |
0.75% |
0.75% |
$1,000 or more |
1.00% |
1.00% |
|
Under $500 |
None |
None |
$500 to $999 |
0.30% |
0.30% |
$1,000 or more |
0.50% |
0.50% |
|
Under $2,500 |
None |
None |
$2,500 to $9,999 |
1.06% |
1.05% |
$10,000 to $24,999 |
1.11% |
1.10% |
$25,000 or more |
1.26% |
1.25% |
Holiday (Share)No periodic withdrawals |
$50 or more |
1.00% |
1.00% |
|
SHARE CERTIFICATES |
Flexible Term |
APY* |
Dividend Rate |
|
3 to 5 months |
1.21% |
1.20% |
6 to 11 months |
1.46% |
1.45% |
12 to 23 months |
2.33% |
2.30% |
24 to 35 months |
3.05% |
3.00% |
36 to 47 months |
3.51% |
3.45% |
48 to 59 months |
3.77% |
3.70% |
60 months |
4.18% |
4.10% |
|
3 to 5 months |
1.36% |
1.35% |
6 to 11 months |
1.61% |
1.60% |
12 to 23 months |
2.48% |
2.45% |
24 to 35 months |
3.20% |
3.15% |
36 to 47 months |
3.67% |
3.60% |
48 to 59 months |
3.92% |
3.85% |
60 months |
4.34% |
4.25% |
|
3 to 5 months |
1.51% |
1.50% |
6 to 11 months |
1.77% |
1.75% |
12 to 23 months |
2.63% |
2.60% |
24 to 35 months |
3.35% |
3.30% |
36 to 47 months |
3.82% |
3.75% |
48 to 59 months |
4.08 |
4.00% |
60 months |
4.50% |
4.40% |
|
3 to 5 months |
1.36% |
1.35% |
6 to 11 months |
1.61% |
1.60% |
12 to 23 months |
2.48% |
2.45% |
24 to 35 months |
3.20% |
3.15% |
36 to 47 months |
3.67% |
3.60% |
48 to 59 months |
3.92% |
3.85% |
60 months |
4.34% |
4.25% |
|
24 months |
2.26 |
2.23 |
*APY = Annual Percentage Yield
|
ANNUAL PERCENTAGE RATE (APR) |
MAXIMUM LOAN AMOUNT5
Financing includes tax, license, and optional: MBI (from LAFCU) and GAP |
TERM3, 4 |
VARIABLE APR1, 2 |
FIXED APR1 |
AUTOMOBILES & TRUCKS |
New |
2.375% to 8.25% |
3.375% to 9.25% |
60% financing |
Up to 84 months |
2.625% to 8.50% |
3.625% to 9.50% |
80% financing |
Up to 84 months |
2.875% to 8.75% |
3.875% to 9.75% |
100% financing |
Up to 84 months |
Used |
2.875% to 8.75% |
3.875% to 9.75% |
60% financing |
Up to 84 months |
3.125% to 9.00% |
4.125% to 10.00% |
80% financing |
Up to 84 months |
3.375% to 9.25% |
4.375% to 10.25% |
100% financing |
Up to 84 months |
|
Used Only |
3.375% to 9.75% |
4.375% to 10.75% |
Up to 75% financing, not to exceed middle or average valuation guide or appraisal for new and used vehicles |
Up to 84 months |
|
New |
4.375% to 10.75% |
5.375% to 11.75% |
60 to 100% financing |
Up to 84 months |
Used |
4.875% to 11.25% |
5.875% to 12.25% |
60 to 100% financing |
Up to 84 months |
|
New |
2.875% to 9.25% |
3.875% to 10.25% |
60 to 100% financing |
Up to 120 months |
Used |
3.375% to 9.75% |
4.375% to 10.75% |
60 to 100% financing |
Up to 120 months |
|
New |
3.375% to 9.75% |
4.375% to 10.75% |
60 to 100% financing |
Up to 120 months |
Used |
3.875% to 10.25% |
4.875% to 11.25% |
60 to 100% financing |
Up to 120 months |
|
|
VARIABLE APR1, 2 |
FIXED APR1 |
MAXIMUM LOAN AMOUNT6 |
TERM3, 4 |
New |
7.375% to 12.25% |
8.375% to 13.25% |
$10,000 |
Up to 48 months |
|
|
|
VARIABLE APR1, 2 |
CREDIT AMOUNT6 |
TERM8 |
|
"PERSONALINE" LINE OF CREDIT/OVERDRAFT PROTECTION |
9.875% to 15.00% |
Up to $4,999 |
Revolving |
|
8.875% to 13.75% |
$5,000 to $9,999 |
Revolving |
|
8.125% to 13.00% |
$10,000 to $19,999 |
Revolving |
|
7.375% to 12.25% |
$20,000 to $30,000 |
Revolving |
|
|
|
FIXED APR1 |
MAXIMUM LOAN AMOUNT |
TERM3, 4 |
|
|
9.875% to 15.00% |
Up to $4,999 |
Up to 60 months |
|
| |
8.875% to 13.75% |
$5,000 to $9,999 |
Up to 60 months |
|
| |
8.125% to 13.00% |
$10,000 to $19,999 |
Up to 60 months |
|
| |
7.375% to 12.25% |
$20,000 to $30,000 |
Up to 60 months |
|
|
|
FIXED APR1 |
MAXIMUM LOAN AMOUNT |
TERM3, 4 |
|
SHARE SAVINGS-SECURED |
Share Svgs Rate + 2.50% |
100% of the available share balance |
Up to 36 months |
|
|
Share Svgs Rate + 3.50% |
100% of the available share balance |
Up to 72 months |
|
SHARE CERTIFICATE-SECURED |
Varies9 |
80% of the available share balance |
Up to 60 months not to exceed Certificate maturity |
|
|
VARIABLE APR2 |
MAXIMUM LOAN AMOUNT |
TERM |
|
GUARANTEED STUDENT LOAN (STAFFORD) |
2.77% |
Maximum loan amount set by the Department of Education. Rates quoted in effect 7/1/04 to 6/30/05. |
Up to 120 months depending on the loan amount. |
|
PARENT LOAN (PLUS) |
4.17% |
|
|
|
FIXED APR10 |
MAXIMUM CREDIT LIMIT6 |
TERM7 |
ANNUAL FEE |
CLASSIC |
10.40% to 14.90% |
$10,000 |
Revolving |
None |
STUDENT CLASSIC |
11.90% |
$1,000** |
Revolving |
None |
SHARE-SECURED CLASSIC |
10.00% |
$10,000 |
Revolving |
None |
PLATINUM* |
8.40 to 12.90% |
$30,000 |
Revolving |
None |
PLATINUM PLUS* |
8.40 to 12.90% |
$30,000 |
Revolving |
None |
SHARE-SECURED PLATINUM PLUS |
8.00% |
100% of Your Share- Savings Balance |
Revolving |
None |
NEW CARD INTRO RATE |
2.9% 1st 6 months |
Based on Card |
Revolving |
None |
* Earns "CURewards" travel and/or merchandise points.
** Based on college class level.
*** Visa Convenience Checks: 2.9% APR on purchases made with these checks from November 1, 2004 until May 31, 2005, subject to LAFCU underwriting criteria. Contact us for details.
Click e-Home Loan for real estate loan rates, an online application, and more information. Click to read about our real estate loans.
# Years Draw Period |
# Years Amortized |
Adjustable Rate |
APR11,12 |
10 |
15 |
6.00% |
6.00% |
Contact us at telephone extension 630 to apply for a HELOC.
Receive .125% rate discount when applying for a loan using "e-Loan Express" from LAFCU's website (excluding real estate loans, Share Certificate-Secured loans, Share-Secured loans, Student/Parent Educational loans, and Visa® cards).
To understand the issues regarding loans at Los Angeles Federal Credit Union, please read and understand the following:
LAFCU Loan Notes
LAFCU Fee Schedule
LAFCU Share Savings Disclosure
The above listing of rates is meant for information purposes only and is not an advertisement.
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