Rates

Loan Rates

For all loan types:
Rates shown are effective 05/17/2018
Rates are subject to change without notice.

New Auto:
Term in Months Rates As Low As* Monthly Payment Per $1,000 Borrowed
1-48 3.04% A.P.R. $22.21
49-63 3.24% A.P.R. $17.33
64-75 3.74% A.P.R. $15.02
76-84 4.54% A.P.R. $13.98

*Annual Percentage Rate. Rates, terms and conditions are subject to change and vary based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.


Used Auto:
Term in Months Rates As Low As* Monthly Payment Per $1,000 Borrowed
1-48 3.34% A.P.R. $22.35
49-63 3.44% A.P.R. $17.43
64-75 3.94% A.P.R. $15.12
76-84 4.94% A.P.R. $14.17

*Annual Percentage Rate. Rates, terms and conditions are subject to change and card based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.


Boat, Camper and RV:
Term in Months Rates As Low As* Monthly Payment Per $1,000 Borrowed
1-63 4.99% A.P.R. $18.15
64-120 5.49% A.P.R. $10.90
121-180 5.99% A.P.R. $8.48

*Annual Percentage Rate. Rates, terms and conditions are subject to change and card based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.


ATV, UTV, and Motorcycles:
Term in Months Rates As Low As* Monthly Payment Per $1,000 Borrowed
1-63 4.14% A.P.R. $17.75
64-75 4.79% A.P.R. $15.52
76-84 7.34% A.P.R. $15.36

*Annual Percentage Rate. Rates, terms and conditions are subject to change and card based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.


Real Estate Products - please contact LouChem Federal Credit Union at 502-447-6300 for information


Unsecured Loans - Personal Loans: Signature Cash
Term Rates As Low As* Monthly Payment Per $1,000 Borrowed
Line Of Credit 10.40% A.P.R. $30.00
Non-Revolving 7.99% A.P.R. Based On Credit

*Annual Percentage Rate. Rates, terms and conditions are subject to change and card based on creditworthiness, qualifications and collateral conditions. All loans subject to approval.


VISA Credit Card

Call 502-447-6300 for current rates.


Savings Rates

Rates shown are effective 10/01/2017.
Rates are subject to change without notice.

Description Annual Percentage Rate Annual Percentage Yield
Savings Accounts
Prime/Special/Club
0.15% 0.15%
IRA Savings Account 0.20% 0.20%
*See Rate & Fee Schedule for Terms & Conditions
Money Market Accounts:
Average Daily Balance Dividend Rate *APY
$100,000 and up .70% .70%
$50,000 - $99,999 .65% .65%
$25,000 - $49,999 .60% .60%
$10,000 - $24,999 .50% .50%
$2,500 - $9,999 .40% .40%

*Dividend Rates are variable and subject to change after account opening. Dividends are paid and compounded monthly based on average daily balance. Minimum balance of $2,500 required to earn the stated APT. Fees could reduce earnings. Dividend Rates accurate as of the last dividend declaration date.


Certificates: Savings & IRA:
As of May 1, 2018 Dividend Rate APY*
6 Month Certificate or IRA Certificate $1,000 Min. 1.00% 1.00%
12 Month Certificate or IRA Certificate $1,000 Min. 1.75% 1.75%
18 Month Certificate or IRA Certificate $1,000 Min. 1.85% 1.85%
24 Month Certificate or IRA Certificate $1,000 Min. 2.00% 2.00%
36 Month Certificate or IRA Certificate $1,000 Min. 2.25% 2.25%
48 Month Certificate or IRA Certificate $1,000 Min. 2.50% 2.50%
60 Month Certificate or IRA Certificate $1,000 Min. 2.75% 2.75%

Minimum opening balance of $1,000. Dividend Rates are subject to change without notice. Dividends are paid and compounded monthly. Substantial Penalties apply for early withdrawal.

*Annual Percentage Yield assuming dividends are reinvested. Call for current rates.


Share Draft (Checking)

Unlimited Check Transactions
Unlimited POS Transactions
No Minimum Balance
No Service Charge
Share Draft (checking account) APR 0.10%
ATM Transactions: 6 Free transactions per statement period.
$0.95 per transaction over 6
See Rate & Fee Schedule for Terms & Conditions.


Disclosures

Love my Credit UnionVisa

Equal Housing LenderWe do business in accordance with the Federal Fair Housing Law & Equal Credit Oppt Act

NCUAYour savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government, National Credit Union Administration, a U.S. Government Agency.