Rates

Member-owned results in better rates

Rates effective as of December 3, 2022

Dividend Rates

Savings Accounts

Account Balance Ranges Dividend Rates* APY**
$0.00 - $50.00 NONE N/A
$50.01 - $10,000.00 0.30% 0.30%
$10,000.01 - $25,000.00 0.40% 0.40%
$25,000.01 - $50,000.00 0.50% 0.50%
$50,000.01 - $100,000.00 0.60% 0.60%
$100,000.01 - up 0.70% 0.70%

Share Draft Account

Account Balance Ranges Dividend Rates* APY**
$0.00 - $250.00 NONE N/A
$250.01 - up 0.10 0.10%

*Dividend Rates are established by the Board of Directors and are subject to periodic change, based on current economic conditions and Credit Union earnings.

**(APY) - Annual Percentage Yield assumes reinvestment of principal and dividends on a monthly basis for one year at the stated dividend rate. Dividends are calculated and paid at the end of each month on all accounts with a balance in excess of the $50.00 full share amount, utilizing the ACTUAL DAILY BALANCE, and a 365- DAY YEAR (366 days in a leap year). The Credit Union calculates dividends on the full balance in the account each day at the stated dividend rate that corresponds to the applicable share balance range.

(APYE) - Annual Percentage Yield Earned is calculated at the end of each month (Dividend Period), utilizing the AVERAGE DAILY BALANCE and a 365-DAY YEAR (366 days in a leap year). The (APYE) is printed on your periodic statement as a percentage and may differ from the (APY).

Funds earn dividends from the day of deposit until day of withdrawal. An account closed during the month will earn no dividend for the month. If you have any questions or need any additional information, please contact the Credit Union office.

Loan Rates

Auto Loan Rates

Type Max Term* APR** Estimated Monthly Payment
New - Auto

(Up to 130% MSRP***)

36 Months As low as
2.74%
$28.97 per $1,000 borrowed
New - Auto

(Up to 130% MSRP***)

48 Months As low as
2.99%
$22.13 per $1,000 borrowed
New - Auto

(Up to 130% MSRP***)

60 Months As low as
3.49%
$18.19 per $1,000 borrowed
New - Auto

(Up to 130% MSRP***)

72 Months As low as
3.74%
$15.53 per $1,000 borrowed
New - Auto

(Up to 130% MSRP***)

84 Months As low as
3.99%
$13.66 per $1,000 borrowed
Used - Auto

(Up to 130% KBB****)

36 Months As low as
2.99%
$29.08 per $1,000 borrowed
Used - Auto

(Up to 130% KBB****)

48 Months As low as
3.24%
$22.24 per $1,000 borrowed
Used - Auto

(Up to 130% KBB****)

60 Months As low as
3.74%
$18.30 per $1,000 borrowed
Used - Auto

(Up to 130% KBB****)

72 Months As low as
3.99%
$15.64 per $1,000 borrowed
Used - Auto

(Up to 130% KBB****)

84 Months As low as
4.24%
$13.78 per $1,000 borrowed

* Maximum term not available on all loan requests. Collateral must be no more than 7 years old with less than 100,000 miles. Loans made only on personal use vehicles. The Credit Union rates for our  loan programs feature a range of rates.

** APR=Annual Percentage Rate. "APR As Low As" rates and payments listed are our best fixed rates and include a .25% rate discount for Automatic Payment from an account at LBCEFCU.  Actual interest rate offered may be higher and is determined by a combination of underwriting factors such as credit, income, loan-to-value and creditworthiness. Rates are .25% higher without the automatic payment. Rates subject to change without notice.

*** Maximum LTV for a New Auto loan , defined as model years 2021-2022, 130% of manufacturer's suggested retail price.

****  Maximum LTV for a Used Auto loan, defined as model years 2015-2021,  is 130% of Kelley Blue Book retail value. 

Additional restrictions may apply.  

Motorcycle

Type Max Term* APR** Estimated Monthly Payment
New - Motorcycle

(Up to 90% MSRP***)

60 Months As low as
4.99%
$18.87 per $1,000 borrowed
New - Motorcycle

(Up to 90% MSRP***)

72 Months As low as
5.24%
$16.22 per $1,000 borrowed
Used - Motorcycle

(Up to 90% KBB****)

60 Months As low as
5.24%
$18.98 per $1,000 borrowed
Used - Motorcycle

(Up to 90% KBB****)

72 Months As low as
5.49%
$16.33 per $1,000 borrowed

 ** APR=Annual Percentage Rate. "APR As Low As" rates and payments listed are our best fixed rates and include a .25% rate discount for Automatic Payment from an account at LBCEFCU.  Actual interest rate offered may be higher and is determined by a combination of underwriting factors such as credit, income, loan-to-value and creditworthiness.  Rates are .25% higher without the automatic payment. Maximum term not available on all loan requests. Collateral must be no more than 7 years old with less than 100,000 miles. Loans made only to residents of California and on personal use vehicles purchased and registered in California. The Credit Union rates for our  loan programs feature a range of rates. * Maximum term not available on all loan requests.

*** Maximum LTV for a new Motorcycle  loan , defined as model years 2021-2022, 90% of manufacturer's suggested retail price.

****  Maximum LTV for a Used Motorcycle  loan, defined as model years current minus 7 years,  is 90% of Kelley Blue Book retail value. Additional restrictions may apply.  

Recreational Vehicle Loan Rates

(RV, New Boats, Fifth Wheels, Jet Skis and Other Specialty Vehicles)

Type Max. Term* APR** Estimated Monthly Payment
New - RV

(Up to 110% MSRP***)

72 Months As low as
5.24%
$16.22 per $1,000 borrowed
New - RV

(Up to 110% MSRP***)

84 Months As low as
5.49%
$14.37 per $1,000 borrowed
New - RV

(Up to 110% MSRP***)

120 Months As low as
6.49%
$11.35 per $1,000 borrowed
New - RV

(Up to 110% MSRP***)

180 Months As low as
6.74%
$8.84 per $1,000 borrowed
Used - RV

(Up to 110% KBB****)

72 Months As low as
5.49%
$16.33 per $1,000 borrowed
Used - RV

(Up to 110% KBB****)

84 Months As low as
5.74%
$14.48 per $1,000 borrowed
Used - RV

(Up to 110% KBB****)

120 Months As low as
6.74%
$11.48 per $1,000 borrowed
Used - RV

(Up to 110% KBB****)

180 Months As low as
6.99%
$8.98 per $1,000 borrowed

** APR=Annual Percentage Rate. "APR As Low As" rates and payments listed are our best fixed rates and include a .25% rate discount for Automatic Payment from an account at LBCEFCU.  Actual interest rate offered may be higher and is determined by a combination of underwriting factors such as credit, income, loan-to-value and creditworthiness.  Rates are .25% higher without the automatic payment.  Rates subject to change without notice.   Collateral must be a 2015 or newer model with less than 100,000 miles. 2021-2022 Vehicles with less than 7,500 miles may be considered as new. Loans made only to residents of California and on personal use vehicles purchased and registered in California. The Credit Union rates for our leisure loan programs feature a range of rates.  * Maximum term not available on all loan requests.

*** Maximum LTV for a New Recreational Vehicle is 110% of manufacturer's suggested retail price.

**** Maximum LTV for a Used Rectreational Vehicle is 110% of Kelley Blue Book or NADA retail value.  Additional restrictions may apply.

Personal Loan Rates

Amount Financed Max. Term* APR** Estimated Monthly Payment
$500 to $50,000 24 months As low as
8.74%
$45.57 per $1,000 borrowed
$3,000 to $50,000 36 Months As low as
8.74%
$31.68 per $1,000 borrowed
$5,000 to $50,000 48 Months As low as
8.99%
$24.88 per $1,000 borrowed
$10,000 to $50,000 60 Months As low as
9.74%
$21.12 per $1,000 borrowed

** APR=Annual Percentage Rate. "APR As Low As" rates and payments listed are our best fixed rates and include a .25% rate discount for Automatic Payment from an account at LBCEFCU. Actual interest rate offered may be higher and is determined by a combination of underwriting factors such as credit, income, loan-to-value and creditworthiness.  Rates are .25% higher without the automatic payment.  Rates subject to change without notice.* Maximum term and loan amount not available on all loan requests. The Credit Union rates for our personal/signature loan programs feature a range of rates.

Share Secured Loan Rates

Amount Financed Max. Term* APR** Estimated Monthly Payment
Available Regular Shares 60 Months 3.50% $18.19 per $1,000 borrowed

** APR=Annual Percentage Rate. Rates subject to change without notice.