Lisbon Community Federal Credit Union Lisbon Community Federal Credit Union Lisbon Community Federal Credit Union
 

Loan Rates

Effective as of: August 1, 2010
New Vehicle Loans (2005-2010)
Term Rates APR* Payment
3 Years 4.00% 4.00% Payment per $1,000 = $29.53
4 Years 4.00% 4.00% Payment per $1,000 = $22.59
5 years 4.25% 4.25% Payment per $1,000 = $18.54
6 years 5.00% 5.00% Payment per $1,000= $16.11
7 years 6.00% 6.00% Payment per $1,000 = $14.62
Terms available vary based on model year of vehicle. Please contact the Credit Union with questions.

Used Vehicle - Model Years (2001-2004)
Term Rates APR* Payment
3 years 5.50% 5.50% Payment per $1,000 = $30.20
4 years 5.50% 5.50% Payment per $1,000 = $23.27
Terms available vary based on model year of vehicle. Please contact the Credit Union with questions.

First Mortgages
For Todays Current Mortgage Rates Contact The Credit Union At 353-4144

5-YR Balloon Mortgage
Term Rate APR*
Based on a
30 year amortization
4.25% 4.571%
1.) EXAMPLE: Based on the full advance of $100,000, 59 monthly payments of $492.15 with one payment of remaining balance.
2.) Closing costs typically range from $1,300 to $1,700.

Construction Loans
Term Rate
Max. term 12 months, interest only payments 8.50%   1 point required
1.) EXAMPLE: Based on the full advance of $250,000, monthly interest payments would be $1,746.57.

Second/Junior Mortgage Loan
Term Rates APR* Payment
5 years 4.250% 4.300% Payment per $1,000 = $18.54
8 years 4.500% 4.532% Payment per $1,000 = $12.43
10 years 4.500% 4.526% Payment per $1,000 = $10.37
15 years 5.500% 5.519% Payment per $1,000 = $8.18
20 years 6.000% 6.015% Payment per $1,000 = $7.17
1.) Closing costs typically range from $300 - $700.

Mobile Homes In A Park
Term Rates APR* Payment
5 years 5.95% 5.95% Payment per $1,000 = $19.31
8 years 7.00% 7.00% Payment per $1,000 = $13.64
10 years 7.50% 7.50% Payment per $1,000 = $11.87
15 years 7.75% 7.75% Payment per $1,000 = $9.41
20 years 8.00% 8.00% Payment per $1,000 = $8.37

Camps/Vacation Homes
Term Rates APR* Payment
10 years 6.75% 6.837% Payment per $1,000 = $11.49
15 years 6.95% 7.106% Payment per $1,000 = $8.96
20 years 7.250% 7.380% Payment per $1,000 = $7.90

Home Equity Lines of Credit**
Rate Payment
Revolving Prime rate + 0%   1 1/2% of the outstanding balance as of last advance

No Equity Home Improvement Loan
Term Rate APR* Payment
10 years 8.50% 8.849% Payment based on $7,500.00 = $92.99

Land Loans
Term Rates APR* Payment
8 years 7.25% 7.357% Payment per $1,000 = $13.76
10 years 7.50% 7.589% Payment per $1,000 = $11.87
15 years 7.50% 7.569% Payment per $1,000 = $9.27

Preferred Credit Line***
Rate Payment
Revolving Prime + 3%   2% of outstanding balance as of last advance.

Personal
Term Rates APR* Payment
1 year 7.50% 7.50% Payment per $1,000 = $86.01
3 years 12.50% 12.50% Payment per $1,000 = $33.46
5 years 13.50% 13.50% Payment per $1,000 = $23.02

Checking Overdraft Protection
Term Rate APR* Payment
open ended 15.50%   2% of outstanding balance, or $35 whichever is greater
1.) Membership eligibility required. There is no minimum initial advance required.
2.) 15.50% Fixed APR (Annual Percentage Rate). There is no minimum Annual Percentage Rate that may be imposed.

Motorhomes
Term Rates APR* Payment
5 years 5.95% 5.95% Payment per $1,000 = $19.31
10 years 6.50% 6.50% Payment per $1,000 = $11.36
15 years 6.95% 6.95% Payment per $1,000 = $ 8.96
20 years 7.25% 7.25% Payment per $1,000 = $ 7.91
Add .50% on Model Years older than 2004

Tractors, Motorcycles, ATVs & Snowmobiles
Term Rates APR* Payment
3 years 6.50% 6.50% Payment per $1,000= $30.66
4 years 6.50% 6.50% Payment per $1,000 = $23.72
5 years 6.50% 6.50% Payment per $1,000 = $19.58

Business Real Estate Loans
Type Term Rates APR*
Fixed Rate 15 years 6.500% 6.557%
5-Year Balloon 6.250% 6.623%
Line of Credit Prime + 1%
Construction Loans 9.00% 1 point required

Business Auto and Pickup Trucks (2005 - 2010)
Term Rates APR* Payment
4 years 4.00% 4.00% Payment per $1,000 = $22.59
5 years 4.25% 4.25% Payment per $1,000 = $18.54
6 years 5.00% 5.00% Payment per $1,000 = $16.11
7 years 6.00% 6.00% Payment per $1,000 = $14.62

Business Equipment
Term Rates APR* Payment
5 years 6.25% 6.25% Payment per $1,000 = $19.45
10 years 7.00% 7.00% Payment per $1,000 = $11.61

Business Heavy Equipment
Term Rates APR* Payment
5 years 6.25% 6.25% Payment per $1,000 = $19.45
10 years 6.50% 6.50% Payment per $1,000 = $11.36
15 years 6.75% 6.75% Payment per $1,000 = $8.85

*Annual Percentage Rate
For rates on other types of loans, please contact the credit union.
All rates are subject to change without notice.


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