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Rates We seek to offer the best rate for all your saving and borrowing needs. Before you open an account or accept financing with another institution, call us at (402) 465-1000 to ensure that you receive the best possible account option. We'll help you compare all terms and determine the best possible account for you.

These tables list our best published rate. Rates are provided for informational purposes only, intended for private use only, are not for public distribution, and are subject to change without notice.

EFFECTIVE: October 2, 2017

DEPOSIT ACCOUNTS*
ACCOUNTMINIMUM DEPOSIT TO OPENMINIMUM BALANCE
TO EARN APY**
DIVIDEND RATEDIVIDEND APY**
Kasasa Saver***$5.00$0.01-$100,000 if qualifications are met0.350.35
  $100,001+ if qualifications are met0.150.15
  All balances if qualifications are not met0.050.05

Savings$5.00$5-$24,9990.050.05
  $25,000-$49,9990.050.05
  $50,000+0.100.10

Wealth Builder$5.00$5 and over0.250.25

IRA Savings$50.00$5-$24,9990.150.15
  $25,000-$49,9990.250.25
  $50,000+0.500.50

Systematic IRA**** $50.00$0.01 and over1.141.15

Health Savings$50.00$5-$2,4990.150.15
  $2,500-$24,9990.250.25
  $25,000+0.500.50
   
ACCOUNTMINIMUM DEPOSIT TO OPENMINIMUM BALANCE
TO EARN APY**
DIVIDEND RATE*DIVIDEND APY**
Kasasa Cash
Checking***
$50.00$0.01-$30,000 if qualifications are met2.973.00
  $30,001+ if qualifications are met0.150.15
  All balances if qualifications are not met0.050.05

50 Plus Lifestyle $50.00$500-$4,9990.050.05
Checking*** $5,000-$24,9990.050.05
  $25,000+0.050.05

Business $50.00$500-$4,9990.050.05
Checking*** $5,000-$24,9990.100.10
  $25,000+0.150.15

Money Market $2,500.00$2,500-$24,9990.100.10
Investment*** $25,000-$74,9990.100.10
  $75,000+0.100.10

*Dividend Rate and Annual Percentage Yield (APY) may change after account is opened. Fees may reduce earnings.
**APY = Annual Percentage Yield. Rates offered are determined at the discretion of the Credit Union and may change daily.
***This account pays dividends based on an Average Daily Balance method. Refer to the Truth in Savings Disclosure for details.
****This account requires an automatic/systematic minimum monthly deposit. Penalty may be imposed for early withdrawal.

SHARE AND IRA CERTIFICATES*
TermMinimum Balance
to Open
Minimum Balance
To Earn APY**
Dividend
Rate
Dividend
APY**
Thirteen (13) Month$500.00$500 and over1.291.30
Special    

Thirty Nine (39) Month$500.00$500 and over1.931.95
Special    

Three (3) $500.00$500-$24,9990.050.05
Month $25,000-$74,9990.100.10
(No IRAs) $75,000+0.150.15

Six (6) $500.00$500-$24,9990.150.15
Month $25,000-$74,9990.150.15
  $75,000+0.200.20

Twelve (12) $500.00$500-$24,9990.250.25
Month  $25,000-$74,9990.250.25
Add-on****  $75,000+0.300.30

Youth/Young $100.00$100-$24,9990.250.25
Adult Twelve  $25,000-$74,9990.250.25
(12) Month $75,000+0.300.30
Add-on******
 
   

Eighteen (18) Months$500.00$500 - $24,999
$25,000 - $74,999
$75,000 and over
0.35
0.40
0.40
0.35
0.40
0.40

Twenty-four$500.00$500-$24,9990.500.50
(24) Months $25,000-$74,9990.550.55
  $75,000+0.600.60

Thirty-six$500.00$500-$24,9990.650.65
(36) Months $25,000-$74,9990.750.75
  $75,000+0.750.75

Forty-eight $500.00$500-$24,9990.800.80
(48) Months $25,000-$74,9990.900.90
  $75,000+0.900.90

Sixty (60) $500.00$500-$24,9991.041.05
Months $25,000-$74,9991.041.05
  $75,000+1.091.10

*Penalty may be imposed for early withdrawal. APY assumes interest remains on deposit until maturity. A withdrawal will reduce earnings.
**APY = Annual Percentage Yield. Rates offered are determined at the discretion of the Credit Union and may change daily.
***"New Money" Specials are available for new deposits only. Existing funds currently on deposit may not be transferred. Renews at regular dividend rate.
****The "Add-On" feature of this certificate allows you to "add-on" additional funds during the 12-month term. Deposits earn dividends at the dividend rate declared on the opening or renewal date of the certificate. All deposits made during the 12-month term will mature on the stated maturity date.
*****For Members under 25 years of age. On the first maturity date after reaching 25 years of age, this certificate renews at the regular 12-month Share Certificate rate.

Current Dividend Rates and Annual Percentage Yields are available from any of our staff and may change at any time at our discretion. Account related fees as described in our Fee Schedule apply to these accounts. Share, checking, and money market account dividends are credited and compound monthly. Share certificate account dividends are credited monthly or at maturity and compound monthly.

 

Vehicle Loans
TERMAPR*EST PAYMENT*
Model Year 2015 and Newer (Secured)
12 months2.750%$84.58
24 months2.750%$42.87
36 months2.950%$29.06
48 months2.950%$22.11
60 months ($10,000 +)2.950%$17.95
72 months ($15,000 +)3.950%$15.62
Model Year 2011 thru 2014 Used (Secured)
12 months3.750%$85.04
24 months3.750%$43.31
36 months3.950%$29.50
48 months3.950%$22.56
60 months ($10,000 +)3.950%$18.39
72 months ($15,000 +)4.950%$16.08
Model Year 2010 and Older (Secured)
12 months5.000%$85.61
24 months5.000%$43.87
36 months5.250%$30.08
48 months5.250%$23.14
60 months ($10,000 +)5.250%$18.99
 
Share Secured Loans - Call for quote
 



Personal Loans
TERMAPR*EST PAYMENT*
Up to 36 months10.99%$32.76

* Annual Percentage Rate (APR)
All rates listed above are our best rates based on applicant's credit rating and credit history (your actual rate may be higher), using the simple interest method, and including a 1/2% discount for automatic payments from LFCU checking. For vehicles with 100,000+ in mileage add 1%. Longer terms available for motor homes, fifth wheels, travel trailers, and conversion vans. Your estimated monthly payment amount is calculated by multiplying the "EST PAYMENT" amount times each $1,000 you wish to borrow. This estimated payment amount is for the maximum term in each category.
 

MasterCard
CATEGORYDISCLOSURE
Annual Percentage Rate* 
As low as 9.99%
 
Annual Fee$0.00
Grace Period for Purchases25 days
Method of Computing BalancesAverage Daily Balance
Late Payment Fee$25
Over the Limit Fee$25
Cash Advance FeeNone

The MasterCard APR (Annual Percentage Rate) for purchases listed above is effective on 04-25-16. A finance charge will be imposed on Credit Purchases only if you elect not to pay the entire new balance shown on your monthly statement for the billing cycle during which such transactions are posted to your account within 25 days from the closing date of that statement. Rates and terms are subject to change.