Rates

Member-owned results in better rates

Dividend Rates

Rates effective as of November 1, 2020

Savings Accounts

Account Balance Ranges Dividend Rates* APY**
$0.00 - $50.00 NONE N/A
$50.01 - $10,000.00 0.10% 0.10%
$10,000.01 - $25,000.00 0.15% 0.15%
$25,000.01 - $50,000.00 0.20% 0.20%
$50,000.01 - $100,000.00 0.25% 0.25%
$100,000.01 - up 0.30% 0.30%

Share Draft Account

Account Balance Ranges Dividend Rates* APY**
$0.00 - $250.00 NONE N/A
$250.01 - up 0.05% 0.05%

*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

Rates effective as of September 1, 2020

Auto Loan Rates

Oldest model is current year minus 7

New is 2020-2021 up to 7,500 miles

Minimum $30,000 to finance up to 84 months. 

NEW up to 100% MSRP/KBB for

Motorcycle, regardless of paper grade. 

Includes taxes, GAP, and MBP.

USED up to 90% LTV.

Type/Term* APR** Estimated Monthly Payment based on
New Auto*** - 60 Months

(Up to 125% MSRP***)

As low as
2.14%
$17.59 per $1,000.00
New Auto*** - 72 Months

(Up to 125% MSRP***)

As low as
2.39%
$14.92 per $1,000.00
New Auto*** - 84 Months

(Up to 125% MSRP***)

As low as
2.89%
$13.16 per $1,000.00
Used Auto*** - 60 Months

(Up to 125% KBB****)

As low as
2.64%
$17.81 per $1,000.00
Used Auto*** - 72 Months

(Up to 125% KBB****)

As low as
2.89%
$15.14 per $1,000.00
Used Auto*** - 84 Months

(Up to 125% KBB****)

As low as
3.89%
$13.62 per $1,000.00

* 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.

 ** 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 and a .25% rate discount if applicant(s) have an existing loan with LBCEFCU that will not be paid off as part of the new loan being applied for. (i.e. trade-in)  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 .50% higher without the automatic payment and existing loan discounts.  Rates subject to change without notice.

*** Maximum amount for a New Auto loan , defined as model years 2018-2021, 125% of manufacturer's suggested retail price.

***  Maximum amount for a Used Auto loan, defined as model years 2013-2017 ,  is 125% of Kelley Blue Book retail value. Additional restrictions may apply.  

Motorcycle

Type/Term APR** Estimated Monthly Payment based on
New - Up to 60 months As low as
3.25%
$18.09 per $1000
New - Up to 72 months As low as
4.95%
$16.09 per $1000
New - Up to 84 months As low as
5.50%
$14.38 per $1000
Used - Up to 60 months As low as
3.50%
$18.20 per $1000
Used - Up to 72 months As low as
5.25%
$16.23 per $1000

 ** 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 and a .25% rate discount if applicant(s) have an existing loan with LBCEFCU that will not be paid off as part of the new loan being applied for. (i.e. trade-in)  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 .50% higher without the automatic payment and existing loan discounts.  Rates subject to change without notice. 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 LTV amount for a new Motorcycle  loan , defined as model years 2020-2021, 100% of manufacturer's suggested retail price.

***  Maximum LTV amount 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.  

Leisure Loan Rates

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

Amount Financed Max. Term* APR** Estimated Monthly Payment based on
New - 72 Months

(Up to 100% MSRP***)

72 Months As low as
4.14
$15.72 per $1,000.00
New - 84 Months

(Up to 100% MSRP***)

84 Months As low as
4.39
$13.86 per $1,000.00
New - 120 Months

(Up to 100% MSRP***)

120 Months As low as
4.89
$10.55 per $1,000.00
New - 180 Months

(Up to 100% MSRP***)

180 Months As low as
5.39
$8.11 per $1,000.00
Used - 72 Months

(Up to 90% KBB****)

72 Months As low as
4.39
$15.83 per $1,000.00
Used - 84 Months

(Up to 90% KBB****)

84 Months As low as
4.64
$13.97 per $1,000.00
Used - 120 Months

(Up to 90% KBB****)

120 Months As low as
5.14
$10.68 per $1,000.00
Used - 180 Months

(Up to 90% KBB****)

180 Months As low as
5.64
$8.25 per $1,000.00

** 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 and a .25% rate discount if applicant(s) have an existing loan with LBCEFCU that will not be paid off as part of the new loan being applied for. (i.e. trade-in)  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 .50% higher without the automatic payment and existing loan discounts.  Rates subject to change without notice.* Maximum term not available on all loan requests. Collateral must be a 2014 or newer model with less than 100,000 miles. 2020-2021 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 amount for a New Leisure Vehicle is 100% of manufacturer's suggested retail price.

**** Maximum amount for a Used Leisure Vehicle is 90% of Kelley Blue Book or NADA retail value. Additional restrictions may apply.

Personal Loan Rates

Amount Financed Max. Term* APR** Estimated Monthly Payment based on
$500 to $25,000 48 Months As low as
7.99
$24.41 per $1,000.00
$500 to $25,000 60 Months As low as
8.99
$20.75 per $1,000.00

** 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 and a .25% rate discount if applicant(s) have an existing loan with LBCEFCU that will not be paid off as part of the new loan being applied for. (i.e. trade-in)  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 .50% higher without the automatic payment and existing loan discounts.  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 based on
Available Regular Shares 60 Months As low as
2.75
$17.86 per $1,000.00

** 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 and a .25% rate discount if applicant(s) have an existing loan with LBCEFCU that will not be paid off as part of the new loan being applied for. (i.e. trade-in)  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 .50% higher without the automatic payment and existing loan discounts.  Rates subject to change without notice.