LOC Home
 
ProductsRate InfoOnline ProductsAbout UsContact UsBranch Locations
LOC Federal Home » Rate Info » Loan Rates Print 

Quik Links

Loan Rates

Auto Loan
Effective Date: December 18, 2008
YearFixed Starting Rate/APRPayment in MonthsLoan Type
2008-2009 4.79%* 36 New & Used
2008-2009 4.99%* 48 New & Used
2008-2009 5.19%* 60 New & Used
2008-2009 5.25%* 72 New & Used
2008-2009 6.25%* 84* New & Used (>$35,000.00)
2006-2007 5.25%* 36 Used
2006-2007 5.25%* 48 Used
2006-2007 5.25%* 60 Used
2007 5.50%* 72* 2007 Only
2003-2005 5.50%* 36 Used
2003-2005 5.75%* 48 Used
2003-2005 5.99% 60 Used
Maximum Loan Amount = $100,000
Classic Auto - Rates as low as 10%*
* Rates may vary based on credit score.

Motorcycle Loan
Effective Date: December 18, 2008
YearFixed Starting Rate/APRPayment in MonthsLoan Type
2008-2009 4.79%* 36 New & Used
2008-2009 4.99%* 48 New & Used
2008-2009 5.19%* 60 New & Used
2008-2009 5.25%* 72 New & Used
2008-2009 6.25%* 84* New & Used > $35,000.00
2006-2007 5.25%* 36 Used
2006-2007 5.25%* 48 Used
2006-2007 5.25%* 60 Used
2007 5.50%* 72* 2007 Only
2003-2005 5.50%* 36 Used
2003-2005 5.75%* 48 Used
2003-2005 5.99%* 60 Used
*Rates may vary based on credit score.
Maximum Loan Amount = $100,000

RV Loan
Effective Date: September 10, 2008
YearFixed Starting Rate/APRPayment in MonthsLoan Type
2008-2009 6.09%* up to 180 New/Used
2007 6.09%* up to 144 Used
2002-2006 6.09%* up to 120 Used
Maximum Loan Amount = $250,000

* Rate/Term may vary based on credit score, amount borrowed & age of Boat/RV. 

*Years 2001 & older add 3% to rate.

*Older RV/Boat loan Qualification: FICO score must be 720 or greater.

Motor Home Loan (Titled)
Effective Date: September 10, 2008
YearFixed Starting Rate/APRPayment in MonthsLoan Type
2008-2009 6.09%* up to 180 New/Used
2007 6.09%* up to 144 Used
2002-2006 6.09%* up to 120 Used
Maximum Loan Amount = $250,000

* Rate/Term may vary based on credit score, amount borrowed & age. 

*Years 2001 & Older add 3% to rates.

*Older RV/Boat Qualification: FICO score must be 720 or greater

Boat Loan
Effective Date: September 10, 2008
YearFixed Starting Rate/APRPayment in MonthsLoan Type
2008-2009 6.09%* up to 180 New/Used
2007 6.09%* up to 144 Used
2002-2006 6.09%* up to 120 Used
Maximum Loan Amount = $250,000.00

* Rate/Term may vary based on credit score, amount borrowed & age of Boat/RV. 

*Years 2001& older add 3% to rate.

*Older RV/Boat loan qualification: FICO Score must be 720 or greater.

Home Equity Loan
Effective Date: May 1, 2007
TermFixed APR
Closed End Starting at 6.39% Fixed APR*
5 years 6.39%*
10 years 6.89%*
15 years 7.49%*
20 years 8.49%*
* Rates may vary based on credit score. 80% LTV. Maximum loan amount = $300,000.

Home Equity Line of Credit
Effective Date: December 17, 2008
Adjustable APR
Starting at 3.25%*
* Rates may vary based on credit score. 80% LTV. Maximum line of credit amount = $300,000.
Repayment Terms: 1.40% of the Outstanding Balance

Other Loans
Effective Date: January 31, 2008
Loan TypeAPRTerm
Signature Loan Starting at 14.00% Fixed up to 120 months
Summer/Holiday Loan Starting at 8.90% Fixed up to 36 months
  Maximum loan/line of credit amount = $5,000
MONEYLINE Line of Credit Starting at 11.90% Adjustable N/A
  Maximum line of credit amount = $20,000
*Rates may vary based on credit score

APR = Annual Percentage Rate