LOAN RATES

Rates quoted are accurate as of January 5, 2017

You may call us at (978)531-5767 to obtain current rate information.

 

Type

APR *

Term

New Auto Loans

2.74%**

2017 (100% financed up to 4 years)

New Auto Loans

2.74%**

2017 (100% financed up to 6 years)

Used Auto Loans

2.99%**

2016, 2015 (100% financed up to 4 years)

Used Auto Loans

2.99%**

2016, 2015(100% financed up to 6 years)

Used Auto Loans

2.99%**

2014 (100% financed up to 5 years)

Used Auto Loans

2.99%**

2013 (90% financed up to 5 years)

Used Auto Loans

2.99%**

2012, 2011 (90% financed up to 4 years)

**Rate reduced by .25% APR* with a Luso checking account with Direct Deposit.

Motorcycle & RV Loans

3% above appropriate Auto Loan rate

Boat Loans

3% above appropriate Auto Loan rate

Share Secured Loans

2% above interest rate on share account used as security

Overdraft Protection

14.00%APR*

 

* Annual Percentage Rate All rates are subject to change without notice.

 

Type

APR *

Term

Personal Unsecured Loans

7.90%

1 year

Personal Unsecured Loans

8.90%

2 years

Personal Unsecured Loans

9.90%

3 years

Personal Unsecured Loans

10.90%

4 years

Maximum Loan Amount is $9,500.00

 

* Annual Percentage Rate All rates are subject to change without notice

 

Type

APR *

Term

Visa Credit Card

12.99%

Revolving - No Annual Fee

 

* Annual Percentage Rate All rates are subject to change without notice

 

 

First Mortgage

Rates quoted are accurate as of August 15, 2017

 

Term

APR*

Interest Rate

Points

30 Year

4.280%

4.250%

0

15 Year

3.797%

3.750%

0

 


Loan rates are subject to change at any time.  Please contact us for an appointment today.
 

 

Second Mortgage

Rates quoted are accurate as of August 15, 2017

 

Term

APR*

Interest Rate

Points

20 Year

4.502%

4.500%

0

15 Year

4.002%

4.000%

0

 


Loan rates are subject to change at any time.  Please contact us for an appointment today.


 

Home Equity Line of Credit
 4.00% apr1 (no minimum balance required)
.25% reduction in rate for checking account
.25% reduction in rate for $25,000 initial draw and maintain balance for 6 months.


1 Prime rate as published in the Wall Street Journal on the last business day of each month with a minimum initial draw of $25,000.00

 

Please contact us for an appointment today.

 

 

 

LUSO AMERICAN CREDIT UNION

The Annual Percentage Yield (A.P.Y.) and the interest rates quoted are accurate as of October 12, 2016

You may call us at (978)531-5767 to obtain current rate information.

 

SAVINGS RATES

 

Variable Rate Accounts

Account Type

Minimum Balance Required to Open

A. P. Y.

Interest Rate

Regular Savings

$25.00

.10%

.10%

Super Savers Account (Youth Savings)*

For members aged 5-18.

$25.00

2.02%

2.00%**

Now Checking

$25.00

.05%

.05%

Free Checking***

$25.00

.00%

.00%

Money Market (under $2,500.00)

$2,500.00

.10%

.10%

Money Market  ($2500.00 +)

$2,500.00

.15%

.15%

Club Accounts (Christmas & Vacation)

$2.00

.10%

.10%

 

Click Here to open an account today.

 

* Only one Super Saver account per member.

** Rate effective up to a balance of $1,000 or until member becomes 18 years of age, whichever occurs first. Rate reverts to regular savings rate when either event occurs, and will coincide with regular savings rate from then on.

*** There is no monthly maintenance fee.

 

Certificates of Deposit

Account Type

Balance Required

A. P. Y.

Interest Rate

90 Day

$500.00

.20%

.20%

6 Month

$500.00

.30%

.30%

7 Month

$500.00

.35%

.35%

1 Year

$500.00

.50%

.50%

13 month CD

$500.00

.60%

.60%

2  Year   

$500.00

.90%

.90%

3 Year

$500.00

1.00%

1.00%

4 Year

$500.00

1.41%

1.40%

5 Year

$500.00

1.61%

1.60%

IRA  Accounts

1 Year

$500.00

.50%

.50%

2 Year

$500.00

.90%

.90%

3 Year

$500.00

1.00%

1.00%

4 Year

$500.00

1.41%

1.40%

5 Year

$500.00

1.61%

1.60%

 

Click Here to open an account today.

 

*** All rates are subject to change without notice. A.P.Y. assumes interest remains in the account.  Certificate of Deposit rates are guaranteed for the term of the Certificate only. Certificates of Deposit are subject to a penalty if a withdrawal is made before maturity.***  

 

 

 

ACCOUNT FEE SCHEDULE

The Annual Percentage Yield (A.P.Y.) and the interest rates quoted are accurate as of January 5, 2016

You may call us at (978)531-5767 to obtain current rate information.

 

Now Accounts

All Accounts

Service Charge1

$3.00

Returned Deposit Item

$5.00

Uncollected Funds

$20.00

ACH Returns

$20.00

Insufficient Funds

$20.00

Wire Transfers:

 

Stop Payment

$10.00

Incoming:

No Charge

Stop Payment renewal

$10.00

Outgoing: Domestic

$15.00

Allowed Checkwriting

No Limit

International

$40.00

Certified Checks

$5.00

Foreign Collection Items

$7.00

 

 

Foreign Currency (order)

$12.00

 

 

Foreign Currency (sell)

Varies

 

 

Statement Copies2

$2.00

 

 

Account Research2

$15.00 per hour

 

 

Annual Dormant Account Fee

$25.00

 

 

Lost Passbooks2

$5.00

 

 

Lost ATM/Debit Card

No fee for first lost card in a twelve month period

 

 $5.00

 

Miscellaneous Fees

 

Cashier�s Checks2

$2.00

Money Orders3

$1.00

Stop Payment on Cashier�s Check2

$10.00

Stop Payment on Money Order

$5.00

Notary Fee (members only)

$0.00

Coin Machine (members)

$0.00

Purchase U.S. Savings Bonds

$0.00

Coin Machine (non-members)

7%

Cash U.S. Savings Bonds

$7.00

 

 

1Charged only if balance falls below $100.00 any time during the statement cycle.

2Senior Citizens (65 or over) - no charge for this service

3Senior Citizens (65 or over) � reduced fee, $.50

  

*** Miscellaneous Fees are subject to change without notice***