Loan Rates

Home Equity Line of Credit (HELOC) Effective 11/01/2010

Account Type Payroll or Funds
Transfer APR*
Direct Pay APR*
Home Equity Line of Credit - LGFCU first mortgage**4.755.25
Home Equity Line of Credit - First mortgage other lender5.506.00

**First mortgage with LGFCU or no first mortgage.

Payroll deduction and funds transfer payments provide substantial savings in processing costs for the Credit Union. Initial/opening rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

*APR: Annual Percentage Rate

Vehicle Loans - Fixed Rate Effective 02/01/2014

Account Type TermPayroll or Funds
Transfer APR*
Direct Pay APR*
New Vehicle 36Up to 36 months1.752.25
New Vehicle 6037 to 60 months2.753.25
New Vehicle 7261 to 72 months3.754.25
Used VehicleUp to 72 months4.755.25

Rates are subject to change without notice. Please check with a branch office or call our 24-Hour Voice-Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates. New vehicles are defined as upcoming, current or prior year model with 10,000 miles or less.

*APR: Annual Percentage Rate

Salary Advance Loan (Payday Loan) Effective 03/07/2013

Account Type TermAmountPayroll or Funds
Transfer APR*
Salary Advance (cash account under $500)Open-end$500 maximum12.00
Salary Advance (cash account over $500)Open-end$500 maximum5.50

*APR: Annual Percentage Rate. Rate subject to change. The APR cannot increase by more than 1% each quarter over the previous quarter and cannot exceed 18%. The APR is calculated by adding the index rate to the loan margin. When the Salary Advance Cash Account balance is at least $500, the loan margin is 5.25%. When the Salary Advance Cash Account balance is less than $500, the loan margin is 11.75%. The index rate is the 26 week Treasury Bill Rate set at the first auction held on or after the 15th day of the second month of the previous quarter adjusted up to the nearest ¼%. The index rate cannot be less than 0.25%.

Credit Cards Effective 10/19/2007

Account Type Direct Pay APR*Comments
Visa9.75Variable Rate

Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

*APR: Annual Percentage Rate

Personal Loans Effective 07/22/2005

Account Type Payroll or Funds
Transfer APR*
Direct Pay APR*Comments
Personal Loan (Open-End)10.7511.25Variable Rate
Personal Loan (Closed-End)10.7511.25Variable Rate

Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

*APR: Annual Percentage Rate

Secured Loans Effective 11/01/2010

Account Type TermPayroll or Funds
Transfer APR*
Direct Pay APR*Comments
Share SecuredUp to 24 months5.005.00Fixed Rate
Share Secured25 to 48 months5.505.50Fixed Rate
Share Secured49 to 120 months8.759.25Variable Rate
Share Secured Term Note6.50Fixed Rate

*APR: Annual Percentage Rate

Unsecured Loans Effective 10/05/2013

Account Type Payroll or Funds
Transfer APR*
Direct Pay APR*
Unsecured Loan (Open-End)10.7511.25

*APR: Annual Percentage Rate

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