Approx. Term (in Month)Annual Percentage Rate
680+660-679620-659590-619535-589
482.75%4.25%4.25%11.74%13.74
603.00%4.50%4.50%11.74%13.74%
723.25%4.75%5.00%12.74%13.74%
843.25%5.00%8.99%12.9913.99%
Approx. Term (in Month)Annual Percentage Rate
680+660-679620-659590-619535-589
242.50%4.00%8.74%12.74%13.74%
362.75%4.25%8.74%12.74%13.74%
483.00%4.50%8.74%12.74%13.74%
603.25%4.75%8.74%12.74%13.74%
723.50%5.00%8.99%12.99%13.99%
Approx. Term (in Month)Annual Percentage Rate
680+660-679620-659590-619535-589
129.00%10.00%13.00%17.00%18.00%
Approx. Term (in Month)Annual Percentage Rate
680+660-679620-659590-619535-589
369.00%10.00%13.00%17.00%18.00%
Approx. Term (in Month)Annual Percentage Rate
680+660-679620-659590-619535-589
129.00%10.00%13.00%17.00%18.00%

CD / Share Secured Loan - Rate plus 2% with a minimum of 5% APR. on loans up to $2,000. Loans greater than $2,000 will be 3% of current deposit rate. Loan where LCCU proceeds will secure the loan, rate will be 7%.
Light Commerce Credit Union reserves the right to match rates offered by another financial institution upon verification of the offer from the institution.

Risk Based: The following disclosure applies to all Sub accounts except the Share Secured Loans. The Annual Percentage Rate (APR) you receive will be within the range disclosed above and is based on your credit worthiness.

Preferred Rate: A rate reduction of 0.25% will be given for any payment made by payroll deduction or automatic payment. If payroll deduction or automatic payment is discontinued, the APR will increase to the applicable rate and any increase in the rate.

Late Charges: If your payment is more than 10 days late, you will be charged a late fee of 10% of the payment due with a minimum late charge of $.50.

Collection Costs: You promise to pay all costs of collecting the amount you owe under this agreement including court costs and reasonable attorney fees.

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