Rates & Fees
Find the rates and terms for all Lion’s Share Federal Credit Union products as well as a breakdown of fees, penalties, and other costs associated with the services offered to our members.
Auto Loans
| Loan Type | Term | APR1 as low as |
| New Autos | Up to 48 Months 60 Months 72 Months 84 Months |
4.49% 5.49% 5.75% 6.00% |
| Used Autos | Up to 48 Months 60 Months 72 Months 84 Months |
5.49% 6.49% 6.75% 7.00% |
| Recreational Vehicles | Up to 48 Months 60 Months 72 Months 84 Months |
7.99% 8.99% 9.99% 10.50% |
Personal Loans & Credit Cards
Rates Effective: 04/10/2025
| Loan Type | Term | APR1 as low as |
| Personal Loan | 12.49% | |
| Line of Credit | 12.49% | |
| Roaring Start Loan | 10.99% | |
| Visa Platinum Credit Card | 8.90% | |
| Share Secured Loan | Up to 60 Months | 4.00% |
| Certificate Secured Loan | 3.50% + Certificate Rate |
Home Equity Line of Credit (HELOC)2
| Loan Type | Term | APR1 as low as |
| HELOC2 | Up to 120 Months | 6.75% |
Checking & Savings
| Account | Balance Requirements | Dividend Rate | APY3 |
| Checking4 | No Minimum Required | 0.10% | 0.10% |
| Share Savings5 | $25 | 0.35% | 0.35% |
| Christmas Club4 | $25 | 0.20% | 0.20% |
| Money Market | $5,000 - $9,999.99 $10,000 - $99,999.99 $100,000 & up |
1.50% 1.75% 2.00% |
1.51% 1.76% 2.02% |
Share Certificates
Regular Share Certificates4,5
| Type/Term | Conditions | Dividend Rate | APY3 |
| 6 Months | $500 Minimum Balance | 3.78% | 3.85% |
| 18 Months | $500 Minimum Balance | 3.88% | 3.95% |
| 36 Months | $500 Minimum Balance | 3.70% | 3.76% |
| 48 Months | $500 Minimum Balance | 3.20% | 3.25% |
Specialty Share Certificates 5,6
| Type/Term | Conditions | Dividend Rate | APY3 |
| Save-To-Win Cert. 12 Months | $25 Minimum Balance | 3.45% | 3.50% |
| Add-On Cert. 12 Months | Add more funds anytime $500 Minimum Balance |
3.93% | 4.00% |
| Bump-Up Cert. 24 Months | Option to raise rate once per term, if rates increase. $500 Minimum Balance |
3.64% | 3.70% |
| Mini Jumbo Cert. 60 Months | $10,000 Minimum Balance | 3.20% | 3.25% |
1 APR=Annual Percentage Rate. Rates are presented as low as and are based on the applicant's creditworthiness. Not all will qualify for the lowest rate. Loan Officers will disclose your rate based on applicant information.
2 Home Equity Line of Credit is a variable rate loan. Rate is based on the Wall Street Journal Prime Rate minus (-) one-half (½) percent. Rate will be determined ten days before the end of each calendar quarter, at which time it is subject to change. HELOCs carry a floor rate of 4.0% APR and maximum rate of 18.0% APR. Proof of Property Insurance is required. Additional cost to obtain a HELOC may include, Appraisal, Attorney fees, Recording fees & Flood Search.
3 APY=Annual Percentage Yield. Rates are subject to change daily and without notice. Deposits up to $250,000 are Federally insured by the NCUA.
4 Dividends paid monthly on average daily balance. Deposits up to $250,000 are Federally insured by the NCUA.
5 Dividends are paid quarterly. Early withdrawals & associated penalties may affect earnings. Deposits up to $250,000 are Federally insured by the NCUA.
6 All Certificates require a minimum $500 minimum balance unless otherwise stated. Deposits up to $250,000 are Federally insured by the NCUA.
Questions or Concerns?
Transparency is vital to serving our members with their best interests at heart. If you have questions or concerns about any of the above information, please reach out, and we’ll do our best to clear it up.
