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Deposit rates

Share Savings Accounts

Effective 11/6/23
Account type
Rate
APY†
Min. deposit to open
0.40%
0.40%
$5
0.40%
0.40%
$0
2.00%
2.02%
$250
0.40%
0.40%
$25
0.40%
0.40%
$25
Download rate sheet Calculators

†APY: Annual Percentage Yield

Checking Accounts

Effective 11/6/23
Account type
Rate
APY†
Min. deposit to open
0.15%
0.15%
None
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†APY: Annual Percentage Yield

Share Term Certificates

Effective 11/6/23
Account type
Rate
APY†
Term
Min. deposit to open
5.25%
5.25%
6 months
$250
5.50%
5.50%
12 months
$250
5.75%
5.75%
18 months
$250
4.80%
4.80%
24 months
$250
3.95%
3.95%
30 months
$250
4.00%
4.00%
36 months
$250
4.20%
4.20%
48 months
$250
4.50%
4.50%
60 months
$250
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Dividend Rates Information
Dividend rates on Share Term Certificates have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call your local branch for current rates.

†APY: Annual Percentage Yield

Individual Retirement Accounts (IRA)

Effective 11/6/23
Account type
Rate
APY†
2.20%
2.22%
2.20%
2.22%
2.20%
2.22%
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Dividend Rates Information
Dividend rates on IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call your local branch for current rates.

†APY: Annual Percentage Yield

Coverdell Education Savings Account

Effective 11/6/23
Account type
Rate
APY†
2.20%
2.22%
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†APY: Annual Percentage Yield

Health Savings Account

Effective 11/6/23
Account type
Rate
APY†
2.20%
2.22%
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†APY: Annual Percentage Yield

Mortgage rates

Adjustable Rate Mortgages (ARM)

Effective 11/1/23
Account type
Rate
APR*
Term
8.000%
6.996%
30 Years
8.200%
7.384%
30 Years
8.400%
7.769%
30 Years
8.400%
7.769%
30 Years
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*APR: Annual Percentage Rate

Fixed-Rate Mortgages

Effective 11/1/23
Account type
Rate
APR*
Term
7.175%
7.400%
10 Years
7.375%
7.601%
10 Years
7.375%
7.538%
15 Years
7.675%
7.839%
15 Years
7.950%
8.084%
20 Years
8.500%
8.637%
20 Years
8.250%
8.357%
30 Years
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*APR: Annual Percentage Rate

Loan rates

Auto Loans

Effective 10/1/23
Account type
APR*
Term
6.75% - 9.75%
36 Months
7.00% - 10.00%
48 Months
7.25% - 10.25%
60 Months
7.50% - 10.50%
72 Months
8.25% - 11.25%
84 Months
9.00% - 12.00%
96 Months
Account type
APR*
Term
7.25% - 11.75%
36 Months
7.50% - 12.00%
48 Months
7.75% - 12.25%
60 Months
8.00% - 12.50%
72 Months
Account type
APR*
Term
8.25% - 12.75%
36 Months
8.50% - 13.00%
48 Months
8.75% - 13.25%
60 Months
9.00% - 13.50%
72 Months
Calculators

Rates are subject to change without notice. Please check with a branch office for current rates.

Auto loans are subject to approval. Rates and credit limit are evaluated based on credit history. A new vehicle is defined as current, prior or upcoming model year with 10,000 miles or less. For used vehicles up to 10 years old, mileage may not exceed 150,000 at time of loan origination. LGFCU will finance 100% of the MSRP or the NADA value, plus an additional 20% to cover purchase-related expenses such as tax, tags and extended warranties. Cash-out is not permitted on purchase transactions and cash-out refinance transactions are limited to a maximum Loan to Value of 100%. Lending is limited to residents in NC, SC, GA, TN and VA. No prepayment penalties. Vehicles with branded (flooded, salvaged or reconstructed) titles or motorcycles, boats, RVs and commercial vehicles are not acceptable collateral. Product availability and current rates may be changed at any time at the discretion of the Board of Directors. Borrower must maintain collision and comprehensive insurance protection with a maximum deductible of $1,000 for the life of the loan. Must be age 18 or older to qualify for lending services.

*APR: Annual Percentage Rate

Credit Cards

Effective 11/1/23
Account type
APR*
13.00% to 18.00%
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Variable rates subject to change without notice. Please check with a branch for current rates. APR applies to purchases and balance transfers. The fixed APR for Cash Advances is 18.00%

*APR: Annual Percentage Rate

Home Equity Line of Credit (HELOC)

Effective 10/1/23
Account type
APR*
7.75%

Initial/opening rates are subject to change without notice. Please check with a branch for current rates. The initial APR is in effect until the first quarterly rate change. Current APR is 7.25% based on the current index and margin. Future rates and payments are determined quarterly based on adding a margin of 2.25% to the index. The index is the 26-week Treasury Bill rate set on or after the 15th of the second month of the previous calendar quarter adjusted up to the nearest 0.25%. The minimum adjusted index rate for this product is 0.50%. The maximum quarterly rate adjustment is 0.50%. The minimum interest rate is 2.75% APR, and the maximum interest rate will be the beginning rate plus 5.00% or 12.75% APR, whichever is higher, but never more than 18.00% APR. HELOC’s are not available for manufactured homes.

*APR: Annual Percentage Rate

Personal Loans

Effective 11/1/23
Account type
APR*
Term
13.00% to 18.00%
Varies
5.00%
Up to 24 Months
5.50%
25 to 48 Months
8.75%
49 to 120 Months
6.50%
6 Months
11.75%
6 Months
STC rate plus 2%, rounded up to the nearest 0.25%
Remaining term of the STC

Variable rates are subject to change without notice. Please check with a branch for current rates.

*APR: Annual Percentage Rate

Salary Advance Loan (SALO)

Effective 10/1/23
Account type
APR*
Term
17.25%
Open-end
10.75%
Open-end

Variable rates are subject to change without notice. Please check with a branch for current rates. 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%.

*APR: Annual Percentage Rate