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All
New
Managed Credit Program
Rates and Fees Effective December 1, 2004
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Lincoln Goodyear
Employees 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 online!
Click on the "Apply Online" image to apply. |
Vehicle Loans
New Vehicle (autos & trucks 2003 and newer) Rates and Terms
| Terms
up to | APR | Approximate Monthly
Payment Per $1,000.00 |
| 24 Month | As
low as 3.50% | $43.21 |
| 36 Month | As
low as 3.75% | $29.42 |
| 48 Month | As
low as 4.00% | $22.58 |
| 60 Month | As
low as 4.25% | $18.54 |
| 72 Month | As
low as 4.75% | $16.00 |
| 84 Month | As
low as 5.25% | $14.26 |
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Payment
Example: On
a $20,000.00 new auto loan, 48 month term with 4.00%
APR, the monthly payment would be
approximately $451.61.
online
calculators
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Used Vehicles (autos and trucks 2002 and older) & All recreational vehicle Rates and Terms
| Terms
up to | APR | Approximate Monthly
Payment Per $1,000.00 |
| 24 Month | As
low as 4.50% | $43.65 |
| 36 Month | As
low as 4.75% | $29.86 |
| 48 Month | As
low as 5.00% | $23.04 |
| 60 Month | As
low as 5.25% | $18.99 |
| 72 Month | As
low as 5.75% | $16.46 |
| 84 Month | As
low as 6.25% | $14.74 |
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Payment
Example: On
a $10,000.00 new auto loan, 48 month term with 5.00%
APR, the monthly payment would be
approximately $230.31.
online
calculators
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Home Equity
| Loan
to Value | APR
Fixed Rate |
| 80% | As
low as 5.25% |
| 90% | As
low as 6.25% |
| 100% | As
low as 7.25% |
Home
Equity
Line
of Credit | Variable Rate |
Based off Prime Rate
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| 80% | As
low as 4.75% | (Prime Rate) |
| 100% | As
low as 5.75% | (Prime + 1.00%) |
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online
calculators
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Personal Loans
| Type of Loan |
Variable Rate |
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| Personal Fixed Rate |
As low as 9.75% |
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| **Overdraft Protection |
10.00% |
(Prime + 5.00%) |
| **Line of Credit |
10.00% |
(Prime + 5.00%) |
| *VISA Credit Card |
9.50% |
(Prime + 5.00%) |
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| Share
Secured |
As
low as 5.75% |
(Fixed Rate) |
| Certificate
Secured |
3.00% Plus Highest
Certificate Rate |
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online
calculators
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NOTES:
All rates are
annual percentage rates (APR). Rates are subject to change.
**Variable rate loans:
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*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.
**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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