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Rates

  • Loan Rates
    Rates Effective as of: 12-04-2020 (PST)

    Home Loans

    *The interest rates and fees shown above are available to borrowers with an excellent credit history. The actual interest rate and fees available to you will be based on your credit history and may be different than the rates displayed here.
    **Points will vary based on credit score, loan-to-value, and type of transaction.

    Representative Payment Example: A loan for $388,000 for 30 years at a rate of 3.750% and an Annual Percentage Rate of 4.352% would have a monthly payment of $2,055.56. Rates subject to change at any time.

     

     


    Rates Effective as of: 12-04-2020 (PST)

    Home Equity Line of Credit Rates

    Home Equity Line of CreditIntro Rate Current APR after Intro Points
    Special Home Equity Line of Credit 3.99%* 4.25% 0

    All rates subject to change and subject to credit approval. Full product information is also available in our branches.

    For Home Equity Loans: No lender origination fees when a minimum loan amount of $40,000 and maximum $100,000 is approved and for a maximum of 80% of your home's value. Accommodation- recording fees, title charges to clear or transfer liens, or indemnification due to construction on the subject property may be required. The borrower is responsible for these costs.

    For the Home Equity Line of Credit: *3.99% APR is an introductory rate for the first six months and then Prime Rate + 1% Annual Percentage Rate (APR) based upon 80% or less Loan to Value ratio with a FICO Score of 740. Rate to change quarterly (January 1, April 1, July 1, October 1) and will correspond to changes in the Index. The Index is the Major Bank Prime Rate as published periodically in the Wall Street Journal. The Index value used at each Change Date is the value in effect on the first day of the month preceding each calendar quarter. Minimum line amount is $10,000; maximum line amount is $300,000. There is a 10-year draw period (interest only payments) with a 15 year (fully amortized) repayment period. Minimum initial draw is $10,000. Closing fees are $1,250.The Closing Cost will be deducted from the first draw at close of your loan. Other restrictions may apply. No line granted over 90% Loan to Value. If you make the minimum monthly payment during the term of your loan on or before the due date, the loan will be paid in full after the repayment period ends.The Annual Percentage Rate will never exceed 18.0%. Review full disclosure and terms for our Home Equity Line of Credit by requesting a rate quote.

     

     


    Rates Effective as of: 12-04-2020 (PST)

    Autos, Trucks and Vans (New & Prior model year up to 18,000 miles)

    Percentage Financed36 Month APR* as low as48 Month APR* as low as66 Month APR* as low as75 Month APR* as low as84 Month** APR* as low as
    100% 2.55% 2.80% 2.95% 3.10% 3.50%
    90% 2.45% 2.70% 2.85% 3.00% 3.40%

    *APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers.

    Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account . New vehicle rates also reflect a 0.15% discount for a new auto purchase (2020 or newer) through the Surrogate Auto Shopper

    A loan at 2.85% APR for 66 months will have a monthly payment of $16.40 per $1,000 borrowed or a $328.00 monthly payment based on an amount financed of $20,000. New vehicle loan amount may not exceed 100% MSRP including taxes plus and license, PLUS warranty up to 2,500 for 2 wheel drive and 3,000 for 4 wheel drive, GAP up to $1,000 and pre-paid maintenance up to $1000. Some restrictions apply.

    ** $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2013 and newer of $20,000 or more and for FICO scores of 625+.

     

     


    Rates Effective as of: 12-04-2020 (PST)

    Pre-Owned Autos, Trucks and Vans (Model years 2013-2019 pre-owned vehicles.)

    Percentage Financed 36 Month APR* as low as48 Month APR* as low as66 Month APR* as low as75 Month APR* as low as84 Month** APR* as low as
    100% 2.90%3.15% 3.30% 3.45% 3.85%
    90% 2.80% 3.05% 3.20% 3.35% 3.75%

    *APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers.

    Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account.

    A loan at 3.20% APR for 66 months will have a monthly payment of $16.56 per $1,000 borrowed or a $331.20 monthly payment based on an amount financed of $20,000. Used vehicle loan amount may not exceed 100% of retail Kelley Blue Book value including taxes and license PLUS warranty up to $2,500 for 2 wheel drive and $3,000 for 4 wheel drive, GAP up to $1,000, and pre-paid maintenance up to 1,000. Some restrictions apply.

    ** $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2013 and newer of $20,000 or more and for FICO scores of 625+.

     

     


    Rates Effective as of: 12-04-2020 (PST)

    Pre-Owned Autos, Trucks and Vans (Model years 2012 pre-owned vehicles)

    Percentage FinancedMinimum Amount FinancedUp to 36 Month APR* as low asUp to 48 Month APR* as low asUp to 66 Month APR* as low as
    up to 90%$5,000 4.90%5.15%5.30%

    *APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers.

    Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account.

    A loan at 5.30% APR for 66 months will have a monthly payment of $17.50 per $1,000 borrowed or a $350.00 monthly payment based on an amount financed of $20,000 . 2012 and older vehicle loan amount may not exceed 90% of retail Kelley Blue Book value including taxes and license PLUS warranty up to $2,500 for 2 wheel drive and $3,000 for 4 wheel drive, and GAP up to $1,000, and pre-paid maintenance up to $1,000. Some restrictions apply.

     

     


    Rates Effective as of: 12-04-2020 (PST)

    Motorcycle Loan Rates

    Percentage Financed60 Month $5,000 min APR* as low as72 Months $10,000 min APR* as low as84 Months ​$15,000 min APR* as low as
    NewUp to 100% 6.64% 7.84% 8.34%
    Used 2014-2018 Model YearsUp to 100%*7.44% 8.44%

    *APR=Annual Percentage Rate. Rates are subject to change without notice. Loan rates based on LBS Financial credit approval. Full product information is available in our branches. 10% minimum down payment must be cash or trade equity, rebates do not count towards down payment requirement.

    Rates quoted to reflect .25% discount for payment through payroll deduction or automatic transfer from an LBS Financial Savings or Checking account. Payment example: A motorcycle loan financed at 6.64% APR for 60 months is $19.64 per $1,000 borrowed.

     

     


    Rates Effective as of: 12-04-2020 (PST)

    RV Rates

    Percentage Financed 72 Months $5,000 min APR* as low as96 Months $10,000 min APR* as low as120 Months $10,000 min APR* ​as low as144 Months $20,000 min APR* ​as low as180 Months $45,000 min APR* ​as low as
    New Motor Homes and Travel Trailers Up to 90% 4.90%5.10%5.20%5.30% 5.40%
    Pre-Owned 2014-2018 Model Years Motor Homes and Travel TrailersUp to 90%5.40%5.60%5.70% 5.80% 5.90%

    *APR= Annual Percentage Rate. Loan rates based on LBS Financial credit approval. Full product information is available in our branches.

    Rates quoted to reflect .25% discount for payment through payroll deduction or automatic transfer from an LBS Financial Savings or Checking account. Payment example: An RV loan at 5.30% APR for 144 months will have a monthly payment of $9.40 per $1,000 borrowed or a $188.00 monthly payment based on an amount financed of $20,000.

     

     


    Rates Effective as of: 12-04-2020 (PST)

    Boat Rates

    Percentage Financed 72 Months $5,000 min APR* as low as120 Months $25,000 min APR* ​as low as180 Months $50,000 min APR* ​as low as
    New Boats Up to 90% 9.25%6.75%6.25%
    Pre-Owned 2014-2018 Model Years BoatsUp to 90%9.75%7.25% 6.75%

    *APR=Annual Percentage Rate. Loan rates based on LBS Financial credit approval. Full product information is available in our branches.

    Rates quoted to reflect .25% discount for payment through payroll deduction or automatic transfer from an LBS Financial Savings or Checking account. Payment example: A Boat loan at 6.25% APR for 180 months will have a monthly payment of $8.57 per $1,000 borrowed or a $385.84 monthly payment based on an amount financed of $45,000. 10% minimum down payment, must be cash or trade equity; rebates do not count towards down payment requirement.

     

     


    Rates Effective as of: 12-04-2020 (PST)

    Powersports Loan Rates

    Percentage Financed60 Months $5,000 Min APR* as low as72 Months $15,000 Min APR* as low as84 Months $15,000 Min APR* as low as
    Newup to 100%*8.44%9.64%10.14%
    Used 2014-2018 Model Yearsup to 100%*9.24% 10.24%

    *APR=Annual Percentage Rate. Loan rate based on LBS Financial credit approval. Full product information is available in our branches.

    Rates quoted to reflect .25% discount for payment through payroll deduction or automatic transfer from an LBS Financial Savings or Checking account. 10% minimum down payment, must be cash or trade equity, rebates do not count towards down payment requirement. Payment example: A Powersports loan at 9.64% APR for 72 months will have a monthly payment of $18.34 per $1,000 borrowed or a $183.45 monthly payment based on an amount financed of $10,000.

     

     


    Rates Effective as of: 12-04-2020 (PST)

    Personal Loan Rates

    Type APR
    Share Certificate Loan Above Certificate Rate 3.00%
    Share Loan Regular Shares Above highest tiered savings rates Payment Options (One payment due at end of 1 year term or 12 monthly payments amortized over 5 years) 3.00%
    Signature Loan (Unsecured) - As Low As11.65%

    *Rates quoted reflect .25% discount for payment through payroll deduction or automatic transfer from an LBS Financial Savings or Checking account. Payment examples: A Share Certificate loan at 5.37% APR for 60 months will have a monthly payment of $19.04 per $1,000 borrowed or a $57.12 monthly payment based on an amount financed of $3,000. A Share loan at 3.15% APR for 60 months will have a monthly payment of $18.04 per $1,000 borrowed or a $54.11 monthly payment based on an amount financed of $3,000. A Signature loan financed at 11.65% APR is for 12 months at $88.72 per $1,000 borrowed. Additional rates are available for longer terms.

     

     


    Rates Effective as of: 12-04-2020 (PST)

    Visa Credit Card Rates

    Visa Type Rate Type APR
    Classicnon-variable 14.90%
    Goldvariable rate10.15%

    *The Visa Gold's variable rate is determined by adding 6.9% to the Index Rate for the current month. The variable rate may change each monthly cycle. The Index is the Prime Rate on the first day of the prior month to the current cycle as published in the Wall Street Journal. (If more than one rate or range of rates is published, the highest rate will apply.) The APR will not exceed our non-variable rate LBS Financial Classic Visa.

    View all fees associated with our Visa Credit Cards and additional information.

     

     


  • Checking & Savings Rates
    Rates Effective as of: 12-04-2020 (PST)

    Savings & Checking

    Account Anticipated Dividend Rate Anticipated APY*
    Share Savings0.10% 0.10%
    Youth Savings0.10% 0.10%
    Teen Savings0.10% 0.10%
    Interest Checking Accounts** 0.10% 0.10%
    Club/Special Savings Accounts 0.10% 0.10%
    Mortgage Impound/Escrow Accounts 2.00% 2.02%
    IRA Sub/Savings Accounts 0.10% 0.10%
    Summer Savings Accounts *** 2.71% 2.75%

    *APY=Annual Percentage Yield. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. The dividend rate and Annual Percentage Yield (APY) may change at any time and without notice, solely at the Credit Union's discretion. Fees or other conditions may reduce the earnings on the account. Contact the Credit Union for more information about fees and rates. Dividends are paid based on the average daily balance.

    **$20.00 minimum to open; $1,000 average daily balance to earn APY.

    ***More details on our Summer Savings account.

    Compare Checking Accounts

    InterestFreeTeen
    Debit Card

    Online & Mobile Banking

    30,000 Fee-free ATMs

    5,000 Shared Branches

    Free Checks for Seniors over the age of 60*

    Earn Dividends

    Monthly Fee$3*NoneNone
    Opening Requirements$20$20$20

     

  • Share Certificate Rates
    Rates Effective as of: 12-04-2020 (PST)

    Share Certificates – Bronze – $2,500 Minimum

    TermAnticipated Dividend RateAnticipated APY*
    3 month**0.30%0.30%
    6 month0.40%0.40%
    9 month0.45%0.45%
    12 month0.50%0.50%
    18 month0.60%0.60%
    24 month0.70%0.70%
    30 month0.75%0.75%
    36 month0.80%0.80%
    42 month0.85%0.85%
    48 month0.90%0.90%
    60 month1.00%1.01%

    *APY=Annual Percentage Yield. Share Certificate rates are in effect until the maturity date. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. Withdrawals will reduce earnings; there are penalties for early withdrawals; and fees may reduce earnings.

    **A minimum deposit of $1,000. Unlimited add on deposits allowed on the 3 month Certificate only.

    Rates are subject to change without notice.

    Rates Effective as of: 12-04-2020 (PST)

    Share Certificates – Silver – $20,000 Minimum

    TermAnticipated Dividend RateAnticipated APY*
    3 month**0.35%0.35%
    6 month0.45%0.45%
    9 month0.50%0.50%
    12 month0.55%0.55%
    18 month0.65%0.65%
    24 month0.75%0.75%
    30 month0.80%0.80%
    36 month0.85%0.85%
    42 month0.90%0.90%
    48 month0.95%0.95%
    60 month1.04%1.05%

    *APY=Annual Percentage Yield. Share Certificate rates are in effect until the maturity date. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. Withdrawals will reduce earnings; there are penalties for early withdrawals; and fees may reduce earnings.

    **A minimum deposit of $1,000. Unlimited add on deposits allowed on the 3 month Certificate only.

    Rates are subject to change without notice.

    Rates Effective as of: 12-04-2020 (PST)

    Share Certificates – Gold – $50,000 Minimum

    TermAnticipated Dividend RateAnticipated APY*
    3 month**0.40%0.40%
    6 month0.50%0.50%
    9 month0.55%0.55%
    12 month0.60%0.60%
    18 month0.70%0.70%
    24 month0.80%0.80%
    30 month0.85%0.85%
    36 month0.90%0.90%
    42 month0.95%0.95%
    48 month1.00%1.01%
    60 month1.09%1.10%

    *APY=Annual Percentage Yield. Share Certificate rates are in effect until the maturity date. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. Withdrawals will reduce earnings; there are penalties for early withdrawals; and fees may reduce earnings.

    Rates are subject to change without notice.

    Rates Effective as of: 12-04-2020 (PST)

    Share Certificates – Over $90,000

    TermAnticipated Dividend RateAnticipated APY*
    3 month**0.45%0.45%
    6 month0.55%0.55%
    9 month0.60%0.60%
    12 month0.65%0.65%
    18 month0.75%0.75%
    24 month0.85%0.85%
    30 month0.90%0.90%
    36 month0.95%0.95%
    42 month1.00%1.01%
    48 month1.04%1.05%
    60 month1.14%1.15%

    *APY=Annual Percentage Yield. Share Certificate rates are in effect until the maturity date. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. Withdrawals will reduce earnings; there are penalties for early withdrawals; and fees may reduce earnings.

    Rates are subject to change without notice.

     

  • IRA Certificate Rates
    Rates Effective as of: 12-04-2020 (PST)

    IRA Certificates – Bronze – $100 Minimum

    TermAnticipated Dividend RateAnticipated APY*
    6 month0.40%0.40%
    12 month0.50%0.50%
    18 month0.60%0.60%
    24 month0.70%0.70%
    30 month0.75%0.75%

    *APY=Annual Percentage Yield. There will be penalties for early withdrawal of IRA funds if you are under 59 1/2 years of age. Rates are subject to change without notice.

    Rates Effective as of: 12-04-2020 (PST)

    IRA Certificates – Silver – $20,000 Minimum

    TermAnticipated Dividend RateAnticipated APY*
    6 month0.45%0.45%
    12 month0.55%0.55%
    18 month0.65%0.65%
    24 month0.75%0.75%
    30 month0.80%0.80%

    *APY=Annual Percentage Yield. Penalty for early withdrawal. There will be penalties for early withdrawal of IRA funds if you are under 59 1/2 years of age. Rates are subject to change without notice.

    Rates Effective as of: 12-04-2020 (PST)

    IRA Certificates – Gold – $50,000 Minimum

    TermAnticipated Dividend RateAnticipated APY*
    6 month0.50%0.50%
    12 month0.60%0.60%
    18 month0.70%0.70%
    24 month0.80%0.80%
    30 month0.85%0.85%

    *APY=Annual Percentage Yield. Penalty for early withdrawal. There will be penalties for early withdrawal of IRA funds if you are under 59 1/2 years of age. Rates are subject to change without notice.

    Rates Effective as of: 12-04-2020 (PST)

    IRA Certificates – Jumbo – Over $90,000

    TermAnticipated Dividend RateAnticipated APY*
    6 month0.55%0.55%
    12 month0.65%0.65%
    18 month0.75%0.75%
    24 month0.85%0.85%
    30 month0.90%0.90%

    *APY=Annual Percentage Yield. Penalty for early withdrawal. There will be penalties for early withdrawal of IRA funds if you are under 59 1/2 years of age. Rates are subject to change without notice.

  • Money Market Rates
    Rates Effective as of: 12-04-2020 (PST)

    Money Market Rates

    Balance Anticipated Dividend Rate Anticipated APY*
    Below $2,500.000.10% 0.10%
    $2,500.00 to $24,999 0.20% 0.20%
    $25,000 to $49,999 0.30% 0.30%
    $50,000 to $99,999 0.40% 0.40%
    $100,000 and above 0.50% 0.50%

    The dividend rate and APY are paid on the entire balance in the account. The dividend rate and Annual Percentage Yield (APY) may change at any time and without notice, solely at the Credit Union's discretion. Fees or other conditions may reduce the earnings on the account. Contact the Credit Union for more information about fees and rates.

    Rates are subject to change without notice.