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As of 1-26-23

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 6.50% to 18.00% 1 to 36 Months 125% financing for new purchases
  7.50% to 18.00% 37 to 60 Months 125% financing for new purchases
  8.50% to 18.00% 61 to 84 Months
(84 mos. if $20,000+)
125% financing for new purchases
Classic, Collectible, Exotic, & Special-Interest Vehicles 7.50% 84 months
(if $20,000+)
70% financing of low valuation guide, or the vehicle's appraised value.
Motorcycles 7.50% 84 months
(if $20,000+)
125% financing for new purchases
Personal Watercraft/OHV/ATV 9.00% 84 months
(if $20,000+)
125% financing for new purchases
Recreational Vehicles 8.00% 180 months
(if $40,000+)
125% financing for new purchases
Boats 8.50% 180 months
(if $40,000+)
125% financing for new purchases

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 13.75% variable $50,000
Platinum with Low Rate 11.24% variable $50,000
Signature Rewards Platinum 13.24% 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 or Connect (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 0.50% 0.50%
  $10,000 to $24,599 0.55% 0.55%
  $25,000 to $49,999 0.60% 0.60%
  $50,000 or more 0.65% 0.65%
Online Money Market11 & Health Savings Account *14 (Share Draft) Under $2,500 * 0.15% 0.15%
  $2,500 to $9,999 0.55% 0.55%
  $10,000 to $24,599 0.60% 0.60%
  $25,000 to $49,999 0.65% 0.65%
  $50,000 or more 0.70% 0.70%
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 0.45% 0.45%
  6-11 months 0.60% 0.60%
  12-23 months 1.51% 1.50%
  24-35 months 2.02% 2.00%
  36-47 months 2.07% 2.05%
  48-59 months 2.12% 2.10%
  60 months 2.78% 2.75%
  • Senior ($1,000 minimum)
  • Jumbo ($100,000 minimum)
3-5 months 0.50% 0.50%
  6-11 months 0.65% 0.65%
  12-23 months 1.56% 1.55%
  24-35 months 2.07% 2.05%
  36-47 months 2.12% 2.10%
  48-59 months 2.17% 2.15%
  60 months 2.83% 2.80%
Senior Jumbo ($100,000 minimum) 3-5 months 0.55% 0.55%
  6-11 months 0.70% 0.70%
  12-23 months 1.61% 1.60%
  24-35 months 2.12% 2.10%
  36-47 months 2.17% 2.15%
  48-59 months 2.22% 2.20%
  60 months 2.88% 2.85%