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Promotions

LBS Financial provides special discounts on certain services for our Members and runs promotions on our products and services from time to time.

LBS Financial Promotions

Show your child the value of saving at a young age and help them watch their money grow.

When you open a Youth Account from November 1st through December 31st, your child will receive a special gift and we’ll even make the first $10 deposit to jumpstart their new savings account!*

Visit a branch to open your account today!

Lower Your Monthly Auto Loan Payment (plus get up to $150 cash back!)**

Have an existing auto loan with another lender? Let us review your rate and term to see if we can lower your monthly payments. If you refinance your auto loan with LBS Financial between May 15 and December 31, 2020, we will also give cash back (and a great rate!) based on the loan amount:

Amount Financed           Rebate Amount

$7,500 – $19,999.99               $100

$20,000 and greater           $150

Apply Online Today, visit a branch, or call us at 800.527.3328 to start an application over the phone.

Free GAP (Guaranteed Asset Protection) when you Finance a New or Used Auto Purchase with Us!

Finance a new or used auto with LBS Financial between May 15 and December 31, 2020 and we will cover your purchase with GAP Advantage ($295 value)*** at no additional charge. GAP Advantage covers the difference between the market value of your vehicle and the loan balance, less delinquent payments, late charges, refundable service warranty contracts and other insurance related charges.

Apply Online Today, visit a branch, or call us at 800.527.3328 to start an application over the phone.

Skip-A-Payment this Holiday Season

You have an option to automatically skip your Visa® Classic or Gold payments for December 2020 and January 2021, without penalty or late fees. One  less thing to worry about during this holiday season and one less bill to pay!

For your convenience, the Visa Holiday Payment Skip will be done automatically and there will be no need to contact LBS Financial Credit Union.**** If you decide to skip your payment(s), you will still have to pay interest charges, but your next minimum monthly payment will not be until February 2021!

Disclosures

*Credit Union employees, volunteers, or their immediate family members are not eligible. All Youth Accounts must be brand new and opened at a branch location between November 1 – December 31, 2020. A $10 deposit will be credited to the account upon account opening. Valid only in the United States. $1 Membership fee and $5 required account opening deposit is waived for Youth and Teen Savings. $20 minimum opening deposit for Teen Checking. ALL FEDERAL, STATE AND LOCAL TAXES ASSOCIATED WITH THE RECEIPT OR USE OF THE $10 DEPOSIT IS SOLELY THE RESPONSIBILITY OF THE ACCOUNT HOLDER.

**Rebate will be credited to your LBS Financial Share Savings account within 30 days of funding your auto loan. Loan must be open to receive rebate. Rebate incentive is not available on existing LBS Financial loans. All loans are subject to LBS Financial credit approval, actual rate received will vary with the collateral, amount financed, term and credit history. Some restrictions apply. Rebate cannot be combined with any other promotion or special offer.  Rebate terms and conditions are subject to change without notice. Account must be in good standing.

*** Loan must be funded at an LBS Financial branch to be eligible for this promotion. For Members who are not eligible or do not want the GAP Advantage product, a $100 credit will be posted to their Share Savings within 30 days of funding. GAP Advantage is a loan/lease deficiency waiver and is not offered as insurance coverage. There are eligibility requirements, conditions, limitations and exclusions that could prevent you from receiving benefits under the program. You should carefully read the GAP Waiver Addendum for a full explanation of the terms and conditions of the program. GAP Promotion cannot be combined with any other promotion or special offer. Account must be in good standing.

**** If payment is normally made through an automatic transfer, your payment will continue UNLESS you contact us. Skip-a-Payment is only available for Members whose Credit Union account is in good standing and current and did not defer loan payments in 2020. Some other restrictions may apply. Members who do not wish to participate in the Skip-a-Payment promotion can simply continue making regular monthly payments