SKIP TO MAIN CONTENT

As of 11-28-21

Los Angeles Federal Credit Union

Loans & Visa® Card Rates

Vehicle & Boat Loans (New & Used)
Vehicle & Boat Loans (New & Used)Lowest Fixed Annual Percentage Rate (APR)1Maximum Term4Maximum Loan5
Automobiles & Trucks 1.75% to 15.25% 1 to 48 Months 125% financing
  3.00% to 15.50% 49 to 72 Months 125% financing
  4.00% to 16.00% 73 to 84 Months 125% financing
Classic, Collectible, Exotic, & Special-Interest Vehicles 2.75% 84 months
(if $20,000+)
70% financing of low valuation guide, or the vehicle's appraised value.
Motorcycles 2.75% 84 months
(if $20,000+)
125% financing
Personal Watercraft/OHV/ATV 4.25% 84 months
(if $20,000+)
125% financing
Recreational Vehicles 3.25% 180 months
(if $40,000+)
125% financing
Boats 3.75% 180 months
(if $40,000+)
125% financing

Personal Computer Loans
Personal Computer LoansLowest Fixed APR1Maximum Term4Maximum Loan6
New 12.00% 60 Months $10,000

Line of Credit
Line of CreditLowest Variable APR1,2Maximum Credit6Term3,8
Personal Line of Credit/ Overdraft Protection8 12.00% $50,000 Revolving

Personal Loans
Personal LoansLowest Fixed APR1Maximum Loan6Maximum Term
Personal Unsecured ("Signature") 12.00% $50,000 60 Months
Personal Unsecured Emergency 12.00% $5,000 48 Months
Debt Consolidation 12.00% $50,000 60 Months

Share Secured Loans
Share-Secured LoansLowest Fixed APR1Maximum Loan6Maximum Term
Share-Savings Secured Share-Savings Rate + 2.50% 100% of the available share balance 36 Months
  Share-Savings Rate + 3.50% 100% of the available share balance 72 Months
Share-Certificate Secured Varies9 80% of the available share balance Up to 60 months, not to exceed Certificate maturity.

Visa® Credit Cards12 (revolving term & no annual fee)
Visa® Credit Cards12 (revolving term7 & no annual fee)Lowest APR10Maximum Credit6
Student Platinum 12.65% non-variable $1,000
Share-Secured Platinum 10.00% non-variable $5,000
Business-Rewards Platinum 12.25% variable $50,000
Platinum with Low Rate 6.99% variable $50,000
Signature Rewards Platinum 8.99% variable $50,000
New Card Intro Rate 0% (1st 6 months) Based on Card

Savings Rates

Share Savings Rates
Account TypeBalance to Earn DividendsAPY13Dividend Rate
Regular Savings (Share) Under $10,000 0.05% 0.05%
  $10,000 or more 0.10% 0.10%
Free Checking (Share Draft)11 Under $10,000 0.00% 0.00%
  $10,000 or more 0.03% 0.03%
Money Market (Share Draft)11 Under $2,500 0.00% 0.00%
  $2,500 to $9,999 0.05% 0.05%
  $10,000 to $24,599 0.10% 0.10%
  $25,000 to $49,999 0.15% 0.15%
  $50,000 or more 0.20% 0.20%
Online Money Market11 & Health Savings Account *14 (Share Draft) Under $2,500 * 0.00% 0.00%
  $2,500 to $9,999 0.10% 0.10%
  $10,000 to $24,599 0.15% 0.15%
  $25,000 to $49,999 0.20% 0.20%
  $50,000 or more 0.25% 0.25%
Holiday (Share) $10 or more 0.15% 0.15%

Share Certificates
Share CertificatesFlexible TermAPY13Dividend Rate
  • Regular ($1,000 minimum)
  • Starter ($100 minimum)
  • Traditional & Roth IRA Share Certificates ($500 minimum)
  • Coverdell Education Savings Accounts Fixed-Rate ($500 minimum)
3-5 months 0.15% 0.15%
  6-11 months 0.25% 0.25%
  12-23 months 0.35% 0.35%
  24-35 months 0.40% 0.40%
  36-47 months 0.45% 0.45%
  48-59 months 0.50% 0.50%
  60 months 0.55% 0.55%
  • Senior ($1,000 minimum)
  • Jumbo ($100,000 minimum)
3-5 months 0.20% 0.20%
  6-11 months 0.30% 0.30%
  12-23 months 0.40% 0.40%
  24-35 months 0.45% 0.45%
  36-47 months 0.50% 0.50%
  48-59 months 0.55% 0.55%
  60 months 0.60% 0.60%
Senior Jumbo ($100,000 minimum) 3-5 months 0.25% 0.25%
  6-11 months 0.35% 0.35%
  12-23 months 0.45% 0.45%
  24-35 months 0.50% 0.50%
  36-47 months 0.55% 0.55%
  48-59 months 0.60% 0.60%
  60 months 0.65% 0.65%