| LINCONE Federal Credit Union has built a reputation of providing low cost loans with
competitive rates and terms. We offer a wide variety of loans for all your borrowing needs. To review the rates for a particular loan
product, select that product's name from the list below.
NOTE: All rates subject to change without notice. Your rate is based on your credit history and
may differ from the listed APR.
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Now you can apply for a loan
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Rates effective March 9, 2010
Vehicle Loans
New Vehicle (autos & trucks 2009 and newer) Rates and Terms
| Terms up to |
APR |
Approximate Monthly
Payment Per $1,000.00 |
| 24 Month |
As low as 4.00%* |
$43.43 |
| 36 Month |
As low as 4.25%* |
$29.64 |
| 48 Month |
As low as 4.50%* |
$22.81 |
| 60 Month |
As low as 4.75%* |
$18.76 |
| 72 Month |
As low as 5.25%* |
$16.23 |
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Payment Example: On a $20,000.00 new auto loan,
48 month term with 4.50% APR, the monthly payment would be approximately $456.10.
*Rates include discounts
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Used Vehicles (autos and trucks 2008 and older) &
All recreational vehicle Rates and Terms
| Terms up to |
APR |
Approximate Monthly
Payment Per $1,000.00 |
| 24 Month |
As low as 4.75%* |
$43.77 |
| 36 Month |
As low as 5.00%* |
$29.98 |
| 48 Month |
As low as 5.25%* |
$23.15 |
| 60 Month |
As low as 5.50%* |
$19.11 |
| 72 Month |
As low as 6.00%* |
$16.58 |
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Payment Example: On a $15,000.00 new auto loan, 48 month term with 5.25%
APR, the monthly payment would be approximately $347.17.
*Rates include discounts
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Home Equity
| Loan to Value |
APR Fixed Rate |
| 80% |
As low as 5.50% |
| 90% |
As low as 6.50% |
| 100% |
As low as 7.50% |
Home Equity
Line of Credit |
Variable Rate |
Based off Prime Rate |
| 80% |
As low as 3.25% |
(Prime Rate) |
| 100% |
As low as 4.25% |
(Prime + 1.00%) |
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Personal Loans
| Type of Loan |
Variable Rate |
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| Personal Fixed Rate |
As low as 9.00% |
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| **Overdraft Protection |
9.00% |
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| **Line of Credit |
9.00% |
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| *VISA Credit Card |
8.25% |
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| Share Secured |
As low as 4.50% |
(Fixed Rate) |
| Certificate Secured |
3.00% Plus Highest Certificate Rate |
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NOTES:
**Variable rate loans:
*VISA Credit Card:
25 day grace period for purchases. The Annual Percentage Rate (APR)
may vary and is determined by adding a margin of 5.00% to the prime rate
as established in the Wall Street Journal. The interest is charged on the
average daily balance, with a minimum finance charge of $0.50 each
month. There is a late payment fee of $20.00.
Visa Cardholder Agreement
**Overdraft/Line of Credit:
Interest is charged from the date of the loan advance, and interest is
charged on the balance on your account each day. There is a late payment
fee of $20.00. The Annual Percentage Rate (APR) may vary and is determined
by adding a margin of 5.00% to the Prime Rate as established
in the Wall Street Journal.
All variable loan rates subject to change weekly.
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