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LANECO Loan Rates

Effective October 1, 2017

Vehicle Loans

New Auto
2018, 2017, 2016
Purchase or refinance. Fixed APR will be based on your credit qualifications, length of loan and loan amount. Other exclusions and/or restriction may apply Annual Percentage Rate
2.24% - 10.24%
Used Auto
2015 - 2010
Purchase or refinance. Fixed APR will be based on your credit qualifications, length of loan and loan amount. Other exclusions and/or restrictions may apply Annual Percentage Rate
2.49% - 10.24%
Used Auto
2009 and Older
Purchase or refinance. Fixed APR will be based on your credit qualifications, length of loan and loan amount. Other exclusions and/or restrictions may apply Annual Percentage Rate
2.99% - 11.99%
New ATV, Side-by-Side, Horse Trailer
2018, 2017, 2016
Purchase or refinance. Fixed APR will be based on your credit qualifications, length of loan and loan amount. Other exclusions and/or restrictions may apply. Annual Percentage Rate
4.90% - 12.90%
Used ATV, Side-by-Side, Horse Trailer
2015 and Older
Purchase or refinance. Fixed APR will be based on your credit qualifications, length of loan and loan amount. Other exclusions and/or restrictions may apply. Annual Percentage Rate
5.90% - 13.90%
New RV, Boats, Motorcycles
2018, 2017, 2016
Purchase or refinance. Fixed APR will be based on your credit qualifications, length of loan and loan amount. Other exclusions and/or restrictions may apply. Annual Percentage Rate
3.24% - 11.24%
Used RV, Boats, Motorcycles
2015 and Older
Purchase or refinance. Fixed APR will be based on your credit qualifications, length of loan and loan amount. Other exclusions and/or restrictions may apply. Annual Percentage Rate
4.24% - 13.99%

RV and Boat Loans – Extended Terms *** 85 to 144 months

New RV or Boat
2018, 2017, 2016

(85 to 144 Month Term)
Purchase or refinance. Fixed APR will be based on your credit qualifications, length of loan and loan amount. Other exclusions and/or restrictions may apply. Annual Percentage Rate
4.25% - 12.25%
Used RV or Boat
2015 and Older

(73 to 144 Month Term)
Purchase or refinance. Fixed APR will be based on your credit qualifications, length of loan and loan amount. Other exclusions and/or restrictions may apply. Annual Percentage Rate
5.25% - 14.99%

Shared Secured Loans

Annual Percentage Rate APR is the current dividend rate earned on account used as collateral PLUS:

1 - 60 Months 2.00%
61 - 84 Months 3.00%
74 - 144 Months 4.00%

Signature Loans

Signature Loan 1 - 48 Months Annual Percentage Rate 9.90% - 15.90%

VISA Credit Cards

VISA Credit Cards Limits $250.00 to $10,000.00 Annual Percentage Rate 9.90%

Home Equity Loans

Home Equity Loan Fixed Rate Home Equity Loan up to 80% combined loan to value. Annual Percentage Rate 5.25% - 13.25%

Finance up to 80% of home’s real market value less any first mortgage balance, for properties located in the State of Oregon. Member pays third party closing costs which range from $350.00 - $1,000.00 and generally include flood certification, residential profile or appraisal, recording, title search and title insurance and escrow fees if required. Loan amounts over $50,000.00 require an appraisal. Property insurance is required on all loans and Flood Insurance, when deemed necessary. Reconveyance fee applies at the time of payoff, not at origination. Current reconveyance fee estimated to be $120.00 to $200.00.

Home Equity Fees

Origination Cost Description
Flood Search $14.33 (estimate) Due at Closing
Appraisal, if applicable $450.00 - $750.00 (estimate) Due at Closing
Title Policy, if applicable $85.00 - $500.00 (estimate) Due at Closing
Recording Fees $112.00 - $125.00 (estimate) Due at Closing
Residential Profile $200.00 to $250.00 (estimate) Due at Closing

Account Maintenance

Reconveyance Fee $120.00 - $200.00 (estimate) Due at time of payoff to release trust deed.

Disclaimers

Our Mission

Providing our members financial security with personal service.

Equal Housing Opportunity NCUA

Laneco Federal Credit Union

74A Centennial Loop, Eugene, OR 97401

541.683.5665 (local)

800.709.5665 (toll-free)

541.683.7126 (fax)