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As of 7-15-24

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 5.75% to 17.25% 1 to 60 Months 125% financing for new purchases
  7.25% to 17.25% 61 to 84 Months
(84 mos. if $20,000+)
125% financing for new purchases
Classic, Collectible, Exotic, & Special-Interest Vehicles 6.75% 84 months
(if $20,000+)
70% financing of low valuation guide, or the vehicle's appraised value.
Motorcycles 6.75% 84 months
(if $20,000+)
125% financing for new purchases
Personal Watercraft/OHV/ATV 8.25% 84 months
(if $20,000+)
125% financing for new purchases
Recreational Vehicles 7.25% 180 months
(if $40,000+)
125% financing for new purchases
Boats 7.75% 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 17.50% variable $50,000
Platinum with Low Rate 12.24% variable $50,000
Signature Rewards Platinum 14.24% variable $50,000

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 0.65% 0.65%
  $10,000 to $24,599 0.70% 0.70%
  $25,000 to $49,999 0.75% 0.75%
  $50,000 or more 0.80% 0.80%
Online Money Market11 & Health Savings Account *14 (Share Draft) Under $2,500 * 0.30% 0.30%
  $2,500 to $9,999 0.70% 0.70%
  $10,000 to $24,599 0.75% 0.75%
  $25,000 to $49,999 0.80% 0.80%
  $50,000 or more 0.85% 0.85%
Holiday (Share) $10 or more 0.15% 0.15%

Share Certificates
TermRegular*
Starter
Tax Advantage
APY13
Senior*
Jumbo#
APY13
Senior Jumbo#
APY13
3 Months 2.68% 2.73% 2.78%
6 Months 2.27% 2.32% 2.37%
12 Months 2.27% 2.32% 2.37%
24 Months 2.01% 2.06% 2.11%
36 Months 2.01% 2.06% 2.11%
48 Months 2.01% 2.06% 2.11%
60 Months 2.78% 2.83% 2.88%

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* $1,000 Minimum
$100 Minimum (for members age 24 or younger)
$500 Minimum IRA / ROTH / Coverdell Education Savings Account (ESA)
# $100,000 Minimum
     

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