NEW AUTO - USED AUTO - MOTORCYCLE
CAMPERS - ATV'S - BOATS - TRACTORS
HOME PURCHASE - REFINANCE - HOME EQUITY
SIGNATURE LOANS - VISA CARDS - SHARE SECURED LOANS
| TERM | INTEREST RATE % | LIMITS |
| 3 YEARS | AS LOW AS 5.000% | $1501.00 TO $5000.00 |
| 4 YEARS | AS LOW AS 5.000% | $5001.00 TO $10000.00 |
| 5 YEARS | AS LOW AS 5.000% | $10000.00 TO $19999.00 |
| 6 YEARS | AS LOW AS 5.500% | $20000.00 AND UP* |
We will finance up to 100% of the sticker price with a loan term of 6 years or less. Life and disability insurance, extended warranties and Gap insurance are available and can be financed into the loan (financing on our products only).
| TERM | INTEREST RATE | LIMITS |
| 6 YEARS | 5.000% | $5000.00 MINIMUM |
| 10 YEARS | 5.500% | $15000.00 MINIMUM |
| 15 YEARS* | 6.500% | $50000.00 MINIMUM |
Home Equity Loans are an excellent option to fund life's needs at a low interest rate and the interest may be tax deductible. You can use the money for Home Improvements, Education, Consolidation of bills, almost anything you need. Best of all the Credit Union will pay for all fees* associated with the Home Equity Loan.
*IF AN APPRAISAL IS REQUIRED IT IS THE MEMBERS RESPONSIBILITY.
| TERM | INTEREST RATE | LIMITS |
| 3/7* | 5.500% | $1000.00 MINIMUM |
*3 YEAR DRAW PERIOD WITH PAYMENTS/7 YEARS OF REPAYMENT ONLY.
The beauty of a HELOC (Home Equity Line of Credit) is that you can take as much or as little of your approved spending limit as you like, and unlike most lenders we offer a FIXED INTEREST RATE on our HELOCS.
| TERM | INTEREST RATE | APR | LIMITS |
| 10 YEARS | 6.250% | 6.4019%* | |
| 15 YEARS | 6.250% | 6.3597%* | |
| 20 YEARS | 6.625% | 6.6786%* | |
| 30 YEARS | 6.625% | 6.6658%* |
*APR BASED ON $100,000.00 15 DAYS INTERIM INTEREST AND $420.00 IN FEES.
Bring your Mortgage home to Laclede Community Credit Union. Not only do we offer highly competitive rates without charging points, but your loan is serviced locally by people you can meet face to face.
MOTORCYCLES-BOATS-RV'S-TRACTORS- ATV'S
| TERM | INTEREST RATE | LIMITS |
| 2 YEARS | AS LOW AS 5.000% | $100.00-$1500.00 |
| 3 YEARS | AS LOW AS 5.000% | $1501.00-$5000.00 |
| 4 YEARS | AS LOW AS 5.000% | $5001.00-$10000.00 |
| 5 YEARS | AS LOW AS 5.000% | $10001.00-$19999.99 |
| 6 YEARS | AS LOW AS 5.500% | $20000.00 + |
We will finance up to 100% of the purchase price when purchasing new or the NADA retail value when purchasing used. Life and disability insurance is available.
| TERM | INTEREST RATE | LIMITS |
| UP TO 4 YEARS* | AS LOW AS 9.900% | $7500.00 MAXIMUM* |
*TERM, RATE AND LIMITS ARE DEPENDANT UPON INCOME, CREDIT SCORE, AND DEBT RATIO.
You can use these funds to buy a computer, furniture, appliances, take a vacation, or anything else you may need.
| VISA CLASSIC | 13.900% |
| VISA PLATINUM | 9.900% |
Some of the many convenient and money saving benefits of our VISA cards are:
No annual fee
25-day grace period for purchases
Low interest rate
No fee for cash advances
ATM cash advances at ATM machines that display the Visa Logo.
Free Purchase Security and Extended Protection
Purchase Security
Every time you use your Laclede Community Credit Union Visa card to charge most items, you will automatically receive a Purchase Security for the first (90) days from the date of purchase. This Purchase Security will insure your merchandise purchased, up to a maximum of $50,000, in the event of loss, theft, or fire.
Extended Protection:
Extended protection will extend the U.S. warranty up to one full year on warranties of five years or less. If the warranty is under one year then extended protection will double the warranty of almost all items that are purchased using your Laclede Community Credit Union Visa card.
This benefit is offered at no additional cost to you. It is our way of showing how much we appreciate you for choosing a Laclede Credit Union Visa card.
Share Secured Loans are
an excellent way to help establish or repair your credit. Use your own funds as collateral when making a loan and use the money any way you wish. This may be a good way for you to borrow money at a low interest rate and still keep your savings account. The interest rate for the loan will be just 3% above what we are paying on your share account.
Home | CU info |Membership | Savings | 24 hour access | ATM/Debit Cards | Passport Club | Board/Employees | Online Services
Laclede Community Credit Union 3401 East Broadway Alton Il. 62002 Phone: 618-465-2504
Fax: 618-465-1542
www.lacledecu.com email: webmaster@lacledecu.com