Loan Rates

If you have a Debit Card with Labor Management Federal Credit Union and are 30 days late on a loan payment, your Debit Card will be deactivated until the payment is made.

Auto Loans

Auto Loans
Make Term A
850-680		 B
679-640		 C
639-600		 D-90% LTV
599-555		 E-85% LTV
554 >
2022-2025 84 Months 7.50% 8.50% 10.50% 13.00% 18.00%
2022-2025 72 Months 7.00% 8.00% 9.50% 12.00% 17.50%
2022-2025 60 Months 6.50% 7.75% 8.50% 11.50% 17.00%
2021 12-72 Months 7.50% 8.50% 10.25% 12.25% 17.25%
2018-2020 12-60 Months 8.00% 8.50% 9.50% 13.00% 18.00%
2017-Older 12-36 Months 9.50% 10.50% 11.50% 13.00% 15.00%

Signature Loans

Signature Loans
Type Term $9,500
A
850-680		 $5,000
B
640-679		 $3,500
C
600-639		 $800
D-90% LTV
555-599		 $500
E-85% LTV
Under 554
Max Term 60 Months 60 Months 11.50% 12.50% 13.50% 15.00% 18.00%
12-48 Months 48 Months 10.00% 10.50% 11.50% 15.00% 18.00%

CD & Share Secured Loans

CD & Share Secured Loans
Term APR*
6 Months 0.40%
12 Months 0.40%
18 Months 0.55%
24 Months 0.60%
36 Months 0.65%
60 Months 0.80%

CD and Share Secure Loans will have an interest rate of 3% above the dividend rate with a max term of 60 months.

Mortgage 1st & 2nd

  • 90% LTV
    A
    850-680

  • 80% LTV
    B
    679-640

1st Mortgage 15-year fixed / 20-year fixed.
*Max Loan $250,00

Mortgage Rates are set according to the prime offering rate

Boat, Motorcycle, ATV, RV, Farm Equipment, Mowers, & Trailers

Recreational Vehicles
Make Term A
850-680		 B
679-640		 C
639-600		 D
599-555		 E
554 >
2023-2025 84 Months 7.25% 8.50% 9.50% 12.50% 15.50%
2023-2025 72 Months 6.75% 8.00% 9.00% 12.00% 15.00%
2023-2025 12-60 Months 6.25% 7.50% 8.50% 11.50% 14.50%
2019-2022 72 Months $20,000 and above 72 Months 8.50% 9.50% 10.50% 13.50% 16.50%
2019-2022 12-60 Months 8.00% 9.00% 10.00% 13.00% 16.00%
2018 & Older 60 Months $20,000 and above 60 Months 10.50% 11.50% 13.50% 15.50% 17.50%
2018 & Older 12-48 Months 9.50% 10.50% 11.50% 14.50% 18.00%

REBUILT/SALVAGE TITLES 60% OF CLEAN LOAN VALUE

Credit Cards

Credit Card
Score APR* Limits
Army/Military 6.00% --
680-850 7.99% $9,500
679-640 9.99% $5,000
639-600 9.99% $3,500

D & E with Management Approval 17.99%