Current Loan Rates

   

Better Than Most

Explore current rates on personal loans, vehicle loans, mortgages and more! See for yourself why credit union rates make the difference. Click a product to browse current rates.

Loans

  • Home Loans / Mortgages
  • Signature & Personal Loans

    Signature Loans (Personal / Unsecured)2

    07-24-2017

    Loan Amount1 APR As Low As Term (up to)
    $1,000 - $2,500 11.19% 24 Months
    $2,501 - $5,999 8.99% 36 Months
    $6,000 - $9,999 8.99% 48 Months
    $10,000 - $19,999 6.99% 48 Months
    $20,000 & above 6.99% 60 Months

    1 Maximum dollar amount and interest rate are determined by individual's creditworthiness and the loan term.

    2 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services:

    • Credit Life
    • Credit Disability
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

     

    Share Secured or Certificate Secured Loan
    Savings Account Loan

    01-01-2014

    Term APR2
    Choice of repayment terms, not to exceed 10 years 3.15%1

    1 The Annual Percentage Rate will be 3% above the offered rate on the deposit type account being pledged to secure the loan. Should the balance of more than one deposit type account be used to secure the loan, the APR will be the higher dividend rate, plus 3%.

    2 Rate subject to change if the rate on the deposit type account being pledged changes.

     

    Line of Credit Loan1

    01-01-2014

    APR As Low As
    10.25%

    1 Credit limit determined by individual's creditworthiness.

  • Vehicle Loans

    New Vehicle - 2016 and Newer Model Years

    Auto, Van, Truck3 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 3.09%
    37 to 48 Months 3.09%
    49 to 60 Months 3.59%
    61 to 66 Months1 3.59%
    67 to 75 Months1 3.74%
    76 to 78 Months2 3.74%
    79 to 84 Months2 4.99%

    1 Available on amounts $15,000 & above. Certain conditions apply.

    2 Available on amounts $30,000 & above. Certain conditions apply.

    3 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services:

    • Credit Life
    • Credit Disability
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

    4 Rate may increase subject to final Loan to Value (LTV). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge.

     

    Used Vehicle - 2012 to 2015 Model Years

    Auto, Van and Truck3 1.1.17 

    Term (up to) APR As Low As4
    1 to 36 Months 3.74%
    37 to 48 Months 3.74%
    49 to 60 Months 4.24%
    61 to 66 Months1 4.24%
    67 to 75 Months2 4.39%

    1 Available on amounts $15,000 & above. Certain conditions apply.

    2 Available on amounts $30,000 & above. Certain conditions apply.

    3 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services:

    • Credit Life
    • Credit Disability
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

    4 Rate may increase subject to final Loan to Value (LTV). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge.

     

    Second Chance Refinance - 2016 and Newer Model Years

    Auto, Van, Truck3 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 3.09%
    37 to 48 Months 3.09%
    49 to 60 Months 3.59%
    61 to 66 Months1 3.59%
    67 to 75 Months1 3.74%
    76 to 78 Months2 3.74%
    79 to 84 Months2 4.99%

    1 Available on amounts $15,000 & above. Certain conditions apply.

    2 Available on amounts $30,000 & above. Certain conditions apply.

    3 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services:

    • Credit Life
    • Credit Disability
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

    4 Rate may increase subject to final Loan to Value (LTV). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge.

     

    Second Chance Refinance - 2012-2015 Model Years

    Auto, Van, Truck1 1.1.17

    Term (up to) APR As Low As3
    1 to 36 Months 3.74%
    37 to 48 Months 3.74%
    49 to 60 Months 4.24%
    61 to 66 Months2 4.24%
    67 to 75 Months3 4.39%

    1With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services:

    • Credit Life
    • Credit Disability
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

    2 Available on amounts $15,000 & above. Certain conditions apply.

    3 Available on amounts $30,000 & above. Certain conditions apply.

    4 Rate may increase subject to final Loan to Value (LTV). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge.

    *The actual rate for which you qualify will be based on your credit history, loan amount & the term of your loan. Eligible members may elect to defer payment for up to 90 days (some restrictions apply). Interest continues to accrue during deferment period. Rate may increase subject to final Loan to Value (LTV). Excessive vehicle mileage (gasoline or diesel) will be subject to an additional rate surcharge. Interest rate discount available for Credit Life (0.10%), Credit Disability (0.10%), or both Credit Life and Credit Disability (0.25%). Lowest possible rate after discount is 2.44% APR for 48 month term. Other rates available for different terms. Up to $100 incentive offer is valid for transferred vehicle loans currently with other financial institutions and does not apply to vehicles currently financed through La Capitol Federal Credit Union. Only balances of $7,500 or above qualify for a cash incentive under this offer: $50 for vehicle loans with a balance of $7,500 up to $11,999.99; $75 for vehicle loans with a balance of $12,000 up to $17,999.99; and $100 for loans with a balance of $18,000 or more. Offer valid on 2016 or newer year models. Ask for complete details.

  • Recreational Vehicle Loans

    New Boats and Motorcycles - 2016 and Newer Model Years

    (Second Chance Refinance)3 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 3.29%
    37 to 48 Months 3.29%
    49 to 60 Months 4.04%
    61 to 72 Months 4.54%
    73 to 84 Months1 5.04%1
    85 to 120 Months2 6.04%2

    1 Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.

    2 Maximum term for a motorcycle is 84 months.

    3 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services:

    • Credit Life
    • Credit Disability
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

     

    Used Boats and Motorcycles - 2013-2015 Model Years

    (Second Chance Refinance on 2013 & Newer Model Years)2 1.1.17

    Term (up to) APR As Low As4
    1 to 36 Months 4.79%
    37 to 48 Months 4.79%
    49 to 60 Months 5.54%
    61 to 72 Months 6.04%
    73 to 84 Months1 6.54%
    85 to 120 Months2 7.54%3

    1 Boat terms are based on loan amount. 72 months minimum loan amount is $20,000, 84 months minimum loan amount is $25,000, 96 months minimum loan amount is $30,000, term greater than 96 months minimum loan amount is $40,000. Maximum loan term is 120 months.

    2 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services:

    • Credit Life
    • Credit Disability
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

    3 Maximum term for a motorcycle is 84 months.

     

    New, Used or Refinanced Motor Home, Camper, Travel Trailer, JetSki, ATV, Tractor

    2013 and Newer Model Years2 1.1.17

    Loan Amount Term (up to)1 APR As Low As
    Any Amount 1 to 36 Months (3 yrs) 5.55%
    Any Amount 1 to 48 Months (4 yrs) 5.95%
    Any Amount 49 to 60 Months (5 yrs) 6.30%
    Any Amount 61 to 72 Months (6 yrs) 6.95%
    over $25,000 73 to 84 Months (7 yrs) 7.30%
    over $40,000 85 to 120 Months (10 yrs) 7.80%
    over $65,000 121 to 180 Months (15 yrs) 8.80%
    over $100,000 181 to 240 Months (20 yrs) 9.35%

    1 Loan amount for ATVs and Jet Skis must be $15,000.00 or greater for a 72 month term.

    2 With our Relationship Discounts, whenever you establish a new qualifying loan, you’ll enjoy a 0.05% discount on your loan rate, up to a maximum of 0.25%, when you currently have one or more of the following La Cap products and/or elect payment protection services:

    • Credit Life
    • Credit Disability
    • Mortgage
    • Home Equity Line of Credit
    • Visa

    La Cap membership is required. The Relationship Discount product and services listed above are each valued at a 0.05% discount. This discount is reduced from your qualified base loan rate. If you have one of La Cap’s existing loan products or select credit life or credit disability, you will qualify for 0.05% discount. A combination of two products = 0.15% discount. A combination of 3 or more products = 0.25% discount. Contact a La Capitol FCU representative for complete details. Relationship Discount terms and conditions are subject to change.

  • Visa Credit Cards
    Interest Rates & Interest Charges
      Prime Plus Rewards
    Annual Percentage Rate (APR) for Purchases 8.25% to 18.00%  when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate. 12.25% to 18.00% when you open your account, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

    With both cards, you’ll enjoy:

    • 0% interest on balance transfers for 12 months*
      On balance transfers made in the first 90 days after account opening
    • 1.99% interest on new purchases for 12 months*
      On purchases made in the first 90 days after account opening
    • No over-the-limit fee
    • No annual fee