Loan Rates

* Maximum term not available on all loan requests. Collateral must be no more than 8 model years old (current calendar year or 7 prior years; the model years for calendar year 2025 would be 2025, 2024, 2023, 2022, 2021, 2020, 2019, or 2018) 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 2024-2025, 130% of manufacturer's suggested retail price.

**** Maximum LTV for a Used Auto loan, defined as model years 2018-2024, is 130% of Kelley Blue Book retail value. 

Additional restrictions may apply.  

 ** 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 8 model years old (current calendar year or 7 prior years; the model years for calendar year 2025 would be 2025, 2024, 2023, 2022, 2021, 2020, 2019, or 2018) 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 2024-2025, is 90% of manufacturer's suggested retail price.

**** Maximum LTV for a Used Motorcycle loan, defined as model years 2018-2024, is 90% of Kelley Blue Book retail value. Additional restrictions may apply.  

** 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 no more than 8 model years old (current calendar year or 7 prior years; the model years for calendar year 2025 would be 2025, 2024, 2023, 2022, 2021, 2020, 2019, or 2018) with less than 100,000 miles. 2024-2025 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.

** 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.

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

*APR: Annual Percentage Rate.
0.00% APR valid on balance transfers. Promotional rates apply to first six (6) billing periods on new credit card accounts; balance transfers must be completed within 90 days of card account opening. After the introductory rate expires, your APR on remaining balances and new purchases will be at your regular purchase rate. Introductory APR does not apply to cash advances or purchases. Regular purchase APR of 10.75% to 18.00% will apply. Subject to credit approval. Rates are variable. 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 accurate as of DO NOT CHANGE and are subject to change without notice. Conditions, restrictions, and terms may apply.

For complete details on the terms and conditions, please refer to the Credit Card Agreement and Disclosure.