Loan Rates


Rates

Effective: June 1, 2019

Vehicle Loans
Tier Levels A+ A B C D E
Up to 36 Months 3.10%* 3.60%* 5.00%* 7.50%* 11.00%* 14.00%*
Up to 48 Months 3.35%* 3.85%* 6.85%* 8.00%* 12.00%* 16.00%*
Up to 60 Months 4.75%* 5.60%* 8.25%* 9.00%* 13.00%* 18.00%*
Up to 78 Months 6.00%* 6.45%* N/A N/A N/A N/A
RV/Camper/Boat/Motorcycle/ATV/Other Collateral Loans
Tier Levels1 A+ A B C D E
Up to 48 Months 5.25%* 5.35%* 7.50%* 11.00%* 12.00%* N/A
Up to 60 Months 5.40%* 5.85%* 8.25%* 12.00%* 13.00%* N/A
Up to 72 Months 6.50%* 7.00%* 8.87%* 13.00%* 16.00%* N/A
Up to 120 Months 7.25%* 7.50%* 9.25%* 14.00%* 18.00%* N/A
Personal Loans
Tier Levels1 A+ A B C D E
Up to 36 Months 9.90%* 10.90%* 11.90%* 14.90%* 18.00%* N/A

Minimum loan advance is $500. Minimum monthly payment on all loan types is $35. Payroll deduction is calculated in $5 increments.


Terms

Vehicle Loans Max. Terms
New to 2016 78 Months
2015 to 2013 66 Months
2012 63 Months
2011 to 2009 48 Months
RV/Camper Loans Max. Terms1
New to 2016 120 Months
2015 to 2013 84 Months
2012 to 2009 60 Months
Boat/ATV/Motorcycle2 and Other Collateral Max. Terms
2New to 2009 60 Months
Personal Loans Max. Terms
All 36 Months

Other

Account APR* Term
Shared Secured 3.00% over Share Rate 12 Months
Term Certificate Secured 3.00% over T.C. Rate Maturity Same as Certificate
Account APR* Maximum Term
MasterCard 11.90% N/A
MasterCard Gold 9.90% N/A

Minimum monthly payment on MasterCard/MasterCard Gold is the greater of 2% or $18.00


Risk Based: The following disclosure applies to all loan categories listed above with the exception of share secured, term certificate secured, MasterCard, and MasterCard Gold. The Annual Percentage Rate (APR) you receive is based on your credit worthiness.

Late Charges: If your payment is more than 10 days late, a late fee of 5% of the payment will be applied to your payment. The minimum late fee you will be charged is $5.00; there is no maximum.

The information contained in the LCRA CU Web Site is intended to summarize our products and services. It is not a complete disclosure of all terms and conditions. For complete information and disclosure, please contact LCRA Credit Union directly. The LCRA Credit Union is federally insured by the National Credit Union Administration and regulated by the Credit Union Department of Texas.


1Amount borrowed may affect term
*APR is Annual Percentage Rate. APRs effective until Further Notice