Rates

 

Loans

Rates Effective Nov. 07, 2022
Loan Type Rate/APR** Term in Months

*As low as Rate is based on applicant's credit score. Not all will qualify for lowest rate.
**APR = Annual Percentage Rate
***Relationship Rate is available for Members who maintain a Checking Account, with an established Direct Deposit of Net Check, at Lion's Share FCU.
Personal/Signature Loan *As low as...11.74up to 72
Other Secured Loans *As low as...7.74up to 84
New Vehicle Loan *As low as... 4.74up to 84
Used Vehicle Loan *As low as... 5.74up to 84
Line of Credit *As low as...11.74n/a
VISA Credit Card 8.90n/a
Secured by Share Account (under 5 years) 6.75up to 60
Secured by a Share Account (over 5 years) 7.75up to 120
Secured by a Share Certificate 6.75n/a

Home Equity Line of Credit

Rate Effective Oct. 1, 2022
LoanAPRTerm In Months
Home Equity Line of Credit
*As low as Prime -1/2% Variable** Rate
5.25% 120
*As low as signifies that your loan rate will be determined by your credit qualifications. Not all will qualify for the lowest rate. Your Loan Officer will disclose your rate based on your credit score information.
**Rate is variable and determined ten days before the end of each calendar quarter, at which time it is subject to change. Rate has a floor of 4.0% APR and a 15.0% APR maximum.
Proof of Property Insurance is required for this loan. Additional cost to obtain a HELOC may include: Appraisal, Attorney fees, Recording fees & Flood Search.

Checking Account

Rate Effective Oct 1, 2022
Share Draft
Dividend Rate
APY
= Annual Percentage Yield
Checking Account
No minimum balance required. Dividends paid monthly on average daily balance. Rates are subject to change without notice.
0.01%
0.01%

Savings Accounts

Rates Effective Oct. 1, 2022
Savings Dividend Rate APY Term & Min. Req. to Earn Dividends
Share Savings Account
Dividends Paid Quarterly
0.500.50No Term, $25 Required
Dividends paid on avg. daily bal.
Money Market Shares
$500 Min. Bal. Req., Dividends Paid Monthly
0.750.75 Term = 1 Mo., $500.00 Min. Req.
Dividends paid on avg. daily bal.
Christmas Club Account
Dividends Paid Monthly
0.200.20Term = 1 Mo., No Min. Req.
Dividends paid on avg daily bal.
APY = Annual Percentage Yield. Rates are subject to change daily and without notice. Dividends are paid on the last day of the dividend period.

Share Certificates

Rates Effective Nov. 07, 2022
Certificates AvailableDividend Rate APY Term
12 Month ADD-ON Share Certificate
You can add money to this certificate at any time. Contact Us if you want funds transferred or Payroll Deduction set up to go into this Certificate.
3.753.80 12 Months
24 Month BUMP-UP* Share Certificate
Rate can be Bumped Up 2 times over the course of 24 months. Contact Us if you see this rate change & want to bump your rate up to the new rate on this Certificate.
4.254.3124 Months
Save to Win Share Certificate
$25 Minimum Balance Required,
0.120.1212 Months
All Certificates require a minimum $500 minimum balance unless otherwise stated. APY = Annual Percentage Yield
All Dividends Paid Quarterly. Early withdrawals & associated penalties may affect your dividend earnings.