Loans| Savings| Certificates
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Any Hour Lending is here!
Approval is quick and easy. Apply online by clicking below
or
Call us toll free at 1-866-507-8717 and we will take your application over the
phone and answer any questions you may have.
Either way you apply, you can be instantly approved 24 hours a day, 7 days a week.
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Rates are set by the Board of Directors and are subject to change. Please see the Credit Union for the most accurate rates.
Effective 07/01/08
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Note 1: You must finance at least $20,000.00 to have financing for a 72 month term and $35,000.00 for a 73 - 84 month term
Note 2: We do not finance automobiles over 10 years of age unless they are considered classic and/or antiques.
Note 3: You must finance at least $30,000.00 to have financing for a term longer than 60 months of recreation vehicles.
Note 4: Small Equipment includes spas, pianos, tractors, hearing aids, storage buildings, riding lawn mowers, etc.
| Loans |
ANNUAL PERCENTAGE RATE |
Approximate term |
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| Home Improvement - up to $7,500 |
7.99% |
84 |
Calculator |
| Home Improvement/Second Mortgage - $7,500 to $100,000 |
6.99% |
240 |
Calculator |
| Home Equity Line of Credit / HELOC (see Note 5) |
5.99% |
N/A |
Calculator |
| MasterCard, Gold (Standard rate) |
8.50% - 10.50% |
N/A |
Calculator |
Note 5: HELOC rate is base on the Wall Street Journal Prime Rate (WSJPR) with a margin of 2%. The 5.99% is a discount rate effective for 12 months. After 12 months the rate will return to the WSJPR plus 2% established at the origination date of the loan. Please call for the most current rate and more details.
Go To Loan Application | Go To Calculators | Back to Top
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| Savings |
Dividend Rate |
ANNUAL PERCENTAGE YIELD |
Minimum Balance |
| Share (Savings) Account |
1.050% |
1.054% |
$5.00 |
| Club Account: Christmas & Vacation |
1.300% |
1.306% |
N/A |
| Green and Gold Account |
3.150% |
3.187% |
$5.00 |
| Money Market Account |
1.850% |
1.866% |
$1,500.00 |
| IRA: Regular, Roth, Education |
2.750% |
2.770% |
N/A |
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Effective 08/15/08
If you are purchasing a jumbo certificate (in excess of $50,000.00), you will earn an .25%, above our standard rates.
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Certificates*  |
Rate |
ANNUAL PERCENTAGE YIELD
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Term
|
Minimum Balance** |
| Share Certificate |
2.716% |
2.750% |
3 |
$1,000.00 |
| Share Certificate |
2.960% |
3.000% |
6 |
$1,000.00 |
| Share Certificate |
3.203% |
3.250% |
12 |
$1,000.00 |
| Share Certificate |
3.445% |
3.500% |
36 |
$1,000.00 |
| IRA Certificates* |
Rate |
ANNUAL PERCENTAGE YIELD
|
Term
|
Minimum Balance** |
| IRA Certificate |
2.716% |
2.750% |
3 |
$1,000.00 |
| IRA Certificate |
2.960% |
3.000% |
6 |
$1,000.00 |
| IRA Certificate |
3.203% |
3.250% |
12 |
$1,000.00 |
| IRA Certificate |
3.445% |
3.500% |
36 |
$1,000.00 |
An early withdrawal penalty may be assessed for early maturity based on the term.
**Members, 18 years of age and younger, can open a Certificate of Deposit with a minimum balance of $250.00. They will also earn an additional .01% for each birthday they have reached, with a maximum
addition of .17% above our standard rate.
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Yearbooks, prom, class ring, senior pictures, and graduation all have one thing in common, they cost money! A Green and Gold account is designed to help you save for these high school expenses!
You earn a higher dividend rate of 2.10% (2.117% APY) above our current share rate (The more you save the more you receive from Flag) Primary will earn $25 for every 6 months the account is actively maintained (Free money).*
*A minimum of $10 is required to open the account. The $10.00 represents a $5.00 one-time membership fee and $5.00 is deposited into the account to become "your share of the Credit Union". Eligible Lincoln students must provide valid student ID and may only open one Green and Gold account. Account transfers to a regular share account 30 days after expected graduation date or 4 years from the date of account opening, whichever occurs first. An active account would be considered 3 transactions (excluding dividends) made on the account. Account must be open 6 months prior to incentive paid on April 15th of each year. Please refer to our Deposit Account Agreement & Disclosure for full details. APR=Annual Percentage Rate
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