At Lyell Federal Credit Union, the Annual Percentage Rate (APR) is subject to credit evaluation and the member’s ability to pay. All rates subject to change without notice unless otherwise noted. Apply online for a loan.

Qualified Hybrid vehicles will be eligible for a .25% rate reduction from listed rates.

New Vehicles
2008/2009
up to 48 months as low as 6.60%
49-60 months as low as 6.85%
61-66 months as low as 7.35%
67-72 months as low as 7.85%
73-84 months as low as 9.15% 

Used Vehicle
2007/2008
up to 36 months as low as 6.75%
37-48 months as low as 6.85%
49-60 months as low as 6.90%
61-66 months as low as 7.50%
67-72 months as low as 8.00%
73-84 months as low as 9.30% 

Used Vehicle
2006
up to 36 months as low as 7.00%
37-48 months as low as 7.10%
49-60 months as low as 7.75%
61-66 months as low as 8.25%

Used Vehicle
2005
up to 36 months as low as 7.10%
37-48 months as low as 7.20%
49-60 months as low as 7.95%
61-66 months as low as 8.70%  

Used Vehicle
2004
up to 36 months as low as 7.20%
37-48 months as low as 7.35%
49-60 months as low as 8.60%

Used Vehicle
2003
up to 36 months as low as 7.60%
37-48 months as low as 8.84%

Used Vehicle
2002 and older
up to 36 months as low as 8.35%

Recreational Vehicles
New
up to 120 months as low as 9.25%

Recreational Vehicles
Used
up to 120 months as low as 11.35%

Boats
up to 72 months as low as 7.75%

Boats
73-120 months as low as 9.75%

Snowmobiles/ATVs
up to 60 months as low as 11.35%

Farm/Industrial
up to 60 months as low as 5.74%

Christmas/Vacation ($2000 max)
up to 12 months as low as 9.90%

Consolidation ($10,000 max)
up to 55 months as low as 11.60%

Personal ($15,000 max)
up to 55 months as low as 11.60%

Home Improvement ($15,000 max)
up to 60 months as low as 7.75%

Share Secured
up to 55 months, Dividend rate + 3%

Overdraft Protection
15.90%

                                                       HOME EQUITY PRODUCTS

Home Equity Loan (fixed rate installment loan) ***

Amounts from $7,500 to $250,000
5 years  5.99%
10 years 6.25%
15 years 6.50%

Loan-to-value ratio = 85%

Home Equity Lines of Credit

     1. Equity Advantage Program****
     Amounts from $7,500 to $15,000
     6.75% APR
     Loan-to-value ratio= 95%

     2. Prime Plus Equity Program ****
     Amounts from $10,000 to $24,999
     2.49% APR Intro Rate     (6.50% APR after 6 months)

     Loan -to-value ratio = 85%

     3. Prime Equity Program ****
     Amounts of $25,000 and over
     2.49% APR Intro Rate   (5.50% APR after 6 months)

     Loan-to-value ratio = 85%

*Dividends on our savings (shares) accounts are compounded and paid quarterly on the average daily balance for the quarter. This is a prospective rate and may be changed at the end of the quarter. Fees may reduce effective yield.

 **Dividends on our checking (share draft) accounts are compounded and paid monthly on the average daily balance for the month. This is a prospective rate and may be changed without notice. Fees may reduce effective yield.

 *** There are no closing costs incurred by the member for the fixed rate Home Equity Loan unless the loan is paid in full within the first 24 months of inception.

 ****The HELOC rates are variable and can change semiannually (January 1^st and/or July 1^st). There are no closing costs incurred by the member unless the line of credit is closed within 24 months of inception. The ceiling for the LFCU HELOC is 18%. Property insurance and flood insurance, if applicable, are required. Ask your tax advisor about possible tax deductions of interest paid on the HELOC.