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Contact your nearest Branch Office for additional rate information.
Rates are subject to change at any time.
APR = Annual Percentage Rate     APY = Annual Percentage Yield


  Deposit Rates  
Share Certificate Accounts
  Account   Term   Minimum Balance   APY
  91 Days   91 Days   $2500.00   2.00%
  6 Months   6 Months   $2500.00   2.75%
  1 Year   1 Year   $1000.00   3.00%
  * 1 Year Youth   1 Year   $500.00   3.00%
  *1 Year Youth Education   1 Year   $500.00   3.00%
  18 Month   18 Month   $2500.00   3.10%
  2 Year   2 Years   $1000.00   3.50%
  3 Year   3 Years   $1000.00   3.75%
  4 Year   4 Years   $1000.00   3.85%
  5 Year   5 Years   $1000.00   4.10%
  5 Year IRA (Traditional/Roth)   5 Years   $1000.00   4.10%
  Easy Save   1 Year   $250.00   2.49%
  HSA   $0   $4,999.99   .50
  HSA   $5,000   $14,999.99   .75
  HSA   $15,000   $49,999.99   1.51
  HSA   $50,000   over   2.52
*The Youth Certificate is for children 17 and under.
ALL IRA CERTIFICATES HAVE A MINIMUM BALANCE OF 1000.00 WITH NO 91 DAY TERM.
IRA Accounts
  Rate   APY
  1.75%   1.76%
IRA CERTIFICATES ARE AVAILABLE IN ALL REGULAR CERTIFICATE TYPES EXCEPT 91 DAY, WITH A MINIMUM BALANCE OF $1000.00.
   Saving Account   Under $5000.00   1.01%
     Over $5000.00   1.26%
   Money Market Account   $0 - $4,999   .50%
     $5,000 - $14,999   .75%
     $15,000 - $49,999   1.51%
     $50,000 and over   2.52%
L&N is pleased to annouce the offering of a new tiered Money Market product. Rates on the Money Market Accounts may change weekly. Dividends are earned daily and posted monthly. There is no minimum balance requirement.

 

  Loan Rates  
Auto Loan Accounts
  Model Year   Month Term   Fixed APR
  2008-2004   60   5.00%
  2008-2004   66   5.50%
  2007-2004   72   6.00%
  2003-2000   36   5.25%
  2003-2000   48   5.50%
  2003-2000   60   6.00%
  1999-1997   36   8.25%
        
** Final Rate is Determined by Credit History
Share Secured Loan Accounts
  Rate   Term   Minimum Monthly Payment
  3.75%   10 Year Maximum   $25.00
Signature Loan Accounts
  Term   Fixed APR
  12 Month   10.00% - 18.00%
  24 Month   10.00% - 18.00%
  36 Month   10.00% - 18.00%

 

  Mortgage Rates  
Adjustable Rate Mortgages (ARMS) Accounts
  Term   Rate   APR *
  1 Year Arm   5.00%   5.788%
  3 Year Arm   5.75%   6.325%
  3 Year Arm**   6.00%   6.203%
  5 Year Arm   6.00%   6.412%
  7 Year Arm   7.25%   7.600%
        
Rates are based on individual credit scores. APR disclosed is for "A" credit and may not be applicable to all. *APR is based on a loan amount of $50,000.00* ** Minimum loan amount of $20,000.00, maximum of $333,700.00. ** Minimum loan term is 15 years, maximum loan term is 30 years * This APR is subject to change based on the mortgage plan selected. * 1,3,and 5 Year ARMS have an annual cap of 2.00%, with a 6% lifetime cap. * 7 and 10 Year ARMS may adjust 5% on the 1st adjustment, with a 2% annual cap thereafter, with a 5% lifetime cap. ** 3 Year ARMS have 2.00% cap every 3 years,with a 6% lifetime cap. * Maximum Purchase Transaction - 95% Loan to Value. PMI is required on loans over 80% Loan to Value. * Maximum Cash-Out Refinance - 70% Loan to Value. * Adjustable Rate Loans are assumable under certain conditions. *The 1,3,5,7,and 10 year arm is based on the 1 yr libor index which can be located in the wall street journal. **The 3 year arm is based on the 3 yr treas
Fixed Rate Mortgages (FRMS) Accounts
  Term   Rate   APR *
  10 Year Fixed   5.875%   6.024%
  15 Year Fixed   6.00%   6.106%
  20 Year Fixed   6.50%   6.586%
  30 Year Fixed   6.75%   6.817%
  40 Year Fixed   6.875%   6.933%
Rates are based on individual credit scores. APR disclosed is for "A" credit and may not be applicable to all. *APR is based on a loan amount of $50,000.00* ** Maximum Purchase Transaction - 95% Loan to Value. Private Mortgage Insurance. (PMI) is required on loans over 80% Loan to Value. ** Maximum Cash-Out Refinance - 70% Loan to Value. ** Maximum loan amount is $333,700.00. * This APR is subject to change based on the mortgage plan selected. * Fixed rate loans are fully amortized and the Principle and Interest payment will remain the same during the life of the loan;escrowing for property taxes and/or homeowners insurance, may cause an increase or decrease in your monthly payment. * Fixed rate loans are not assumable.
Fixed Rate Second Mortgages Accounts
  Term   Rate   APR *
  Up to 60 Months up to 80%   5.375%   5.375%
  Up to 180 Months up to 80%   7.00%   7.00%
  Up to 180 Months over 80%   8.00%   8.00%
* Maximum loan amount of $125,000.00 * All fixed rate second mortgages are fully amortized. The Principle and Interest payment will never change throughout the life of the loan.
Balloon Mortgages Accounts
  Term   Rate   APR *
  7 Year Fixed   6.375%   6.501%
        
Rates are based on individual credit scores. APR disclosed is for "A" credit and may not be applicable to all. *APR is based on a loan amount of $50,000.00* * This APR is subject to change based on the mortgage plan selected.
First Time Home Buyer (FTHB) Accounts
  Term   Rate   APR *
  10 Year Fixed   6.875%   6.915%
  15 Year Fixed   7.00%   7.029%
  20 Year Fixed   7.50%   7.524%
  30 Year Fixed   7.75%   7.769%
        
  1 Year Arm   6.00%   6.726%
  3 Year Arm   6.75%   7.257%
  **3 Year Arm   7.00%   7.142%
  5 Year Arm   7.00%   7.344%
  7 Year Arm   8.25%   8.526%
        
Rates are based on individual credit scores. APR disclosed is for "A" credit and may not be applicable to all. *APR is based on a loan amount of $50,000.00* * Minimum loan amount of $30,000.00 maximum of $175,000.00. * Maximum Purchase Transaction - 100% Loan to Value. PMI is not required. * Fixed rate loans are fully amortized and the Principle and Interest payment will remain the same during the life of the loan; escrowing for property taxes and homeowners insurance, may increase or decrease your monthly payments. * This APR is subject to change based on the mortgage plan selected. * FTHB loans are not assumable. * FTHB ARM loans have a minimum term of 15 years. * 1,3,and 5 Year ARMS have an annual cap of 2.00%,with a 6% lifetime cap. ** 3 Year ARMS have a 2.00% cap every 3 years,with a 6% lifetime cap. * 7 year arms may have a 5% cap at the first adjustment,with an annual cap of 2% thereafter, and a maximum lifetime cap of 5%.
Home Equity Accounts
  Term   Rate   APR *
  Adjustable-Rate HELOC   A Credit Score   
  100% LTV MAX   4.75%   4.75%
  Adjustable-Rate HELOC   B Credit Score   
  100% LTV MAX   5.50%   5.50%
        
  Adjustable-Rate HELOC   C Credit Score   
  90% LTV MAX   7.00%   7.00%
        
        
  Adjustable-Rate HELOC   D Credit Score   
  80% LTV MAX   7.50%   7.50%
        
        
        
  Fixed-Rate Mini HELOC   A Credit Score   
  100% LTV MAX   6.25%   6.25%
  Fixed-Rate Mini HELOC   B Credit Score   
  100% LTV MAX   6.50%   6.50%
        
  Fixed-Rate Mini HELOC   C Credit Score   
  90% LTV MAX   8.25%   8.25%
        
        
  Fixed-Rate Mini HELOC   D Credit Score   
  80% LTV MAX   8.75%   8.75%
        
        
        
  Fixed-Rate Standard HELOC   A Credit Score   
  100% LTV MAX   7.00%   7.00%
  Fixed-Rate Standard HELOC   B Credit Score   
  100% LTV MAX   7.25%   7.25%
        
        
  Fixed-Rate Standard HELOC   C Credit Score   
  90% LTV MAX   9.75%   9.75%
        
        
        
  Fixed-Rate Standard HELOC   D Credit Score   
  80% LTV MAX   10.25%   10.25%
        
        
        
  Fixed-Rate Jumbo HELOC   A Credit Score   
  100% LTV MAX   7.25%   7.25%
  Fixed-Rate Jumbo HELOC   B Credit Score   
  100% LTV MAX   7.50%   7.50%
        
        
  Fixed-Rate Jumbo HELOC   C Credit Score   
  90% LTV MAX   11.00%   11.00%
        
        
        
  Fixed-Rate Jumbo HELOC   D Credit Score   
  80% LTV MAX   11.50%   11.50%
        
        
        
        
*NOTE: RATES ARE BASED ON YOUR INDIVIDUAL CREDIT SCORE. *THE MAXIMUM RATE ON THE ADJUSTABLE RATE HOME EQUITIES IS 18.00%.
Home Improvement Accounts
  Term   Rate   APR *
  n/a   n/a   n/a
Home Improvement Loans are not available at this time.

 

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