 |
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.
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| 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% |
| |
|
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| |
|
|
| 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% |
| |
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| |
|
|
| 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% |
| |
|
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| |
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| |
|
|
| Fixed-Rate Standard HELOC |
D Credit Score |
|
| 80% LTV MAX |
10.25% |
10.25% |
| |
|
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| |
|
|
| 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% |
| |
|
|
| |
|
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| |
|
|
| Fixed-Rate Jumbo HELOC |
D Credit Score |
|
| 80% LTV MAX |
11.50% |
11.50% |
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| *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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