LISEFCU Loan Rates

Rates Effective August 26, 2013

Vehicles

Product Maximum Loan Maximum Term (Months) APR+ Rates As Low As* Monthly Payment per $1,000 Borrowed
New $40,000 72 2.99% $14.50
Used $40,000 60 3.49% $17.39

Personal

Product Maximum Loan Maximum Term (Months) APR+ Rates As Low As* Monthly Payment per $1,000 Borrowed
Fixed $20,000 60 9.99% $21.25
Variable Line of Credit $15,000 60 **Prime Floor+ 4.99% $20.77(based on 8.99%)
Overdraft Protection $1,000 12 13.00% $91.00
Share Secured $50,000 60 Dividend Rate + 4.00% $18.51(based on 4.20%)

Home Equity

Product Maximum Loan Maximum Term (Months) APR+ Rates As Low As* Monthly Payment per $1,000 Borrowed
Line of Credit – Variable $150,000 180 **Prime Floor + 0.99% $7.40 (based on 4.00%)
Home Equity – Fixed $150,000 60 **Prime Floor + 1.49% $19.11 (based on 5.49%)
Home Equity – Fixed $150,000 120 **Prime Floor + 1.99% $19.34(based on 5.99%)
Home Equity – Fixed $150,000 180 **Prime Floor + 2.49% $19.57(based on 6.49%)

*All extensions of credit are subject to credit approval. Rates shown are the lowest rates offered for the products advertised.
Applicants who are not approved at these rates or terms may be offered credit at a higher rate and/or with different terms.

**Prime Floor 4.50%

All rates are subject to change without notice. For all the variable rate loans, the APR may be increased due to the terms and conditions of the loan. HELOCS up to $150,000 are available. Maximum APR you are charged under this plan can never be greater than the maximum rate permitted by the Federal Credit Union Act, currently 18%.

Limited time introductory or promotional offers will terminate, causing all such APRs to automatically revert to the standard, non-promotional APR, if your account is closed for any reason within the first one (1) year from the date of your first advance, or if you either fail to make a required minimum payment by your payment due date, or otherwise default on the original terms and agreements of this loan. Any closing costs paid by the Credit Union must be repaid by the borrower if a Home Equity Line of Credit or Home Equity Loan is closed within the first 36 months. Special HELOC rates assume a minimum line of $30,000 and an initial advance of $5,000.

+Annual Percentage Yield is the same as APR if no other services are included.

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Current Rates

  APR*
Vehicle (New) 2.99%
Vehicle (Used) 3.49%
Personal (Fixed Rate) 9.99%
Home Equity - Variable **Prime floor%

*As low as...based on credit score.
**Prime Floor 4.50%
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Location

NY State Office Building
250 Veterans Memorial Hwy.
Suite 5A9
Hauppauge, NY 11788

631-291-9160 - Telephone
631-360-3620 - Fax
877-LISEFCU - Toll Free
631-952-6286 - Automated (24/7)

(click here for Audio Response Guide)

Member Links

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