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Loan Rates
Share Account Rates | Fee Schedule
| Auto Loans | |||
| Type | APR ** | Term | Payment Terms |
| New | 4.75%* | Financed up to 6 years | 72 Monthly payments of $15.99 per $1,000 borrowed |
| Used | 5.25%* | 2008 (financed up to 6 years) | 72 Monthly payments of 16.22 per $1,000 borrowed |
| 2007 (Financed up to 6 years) | 72 Monthly payments of $16.22 per $1,000 borrowed | ||
| 2006 (financed up to 5 years) | 60 Monthly payments of $29.86 per $1,000 borrowed | ||
| 2005,2004,2003 (financed up to 4 years) | 48 Monthly payments of $23.14 per $1,000 borrowed | ||
| Motorcycle & RV Loans | 7.75%* | up to 120 months | 120 monthly payments of $12.00 per $1,000 borrowed |
| Personal Unsecured Loans | 10.90% | 1 year | 12 monthly payments of $88.34 per $1,000 borrowed |
| 11.90% | 2 year | 24 monthly payments of $47.03 per $1,000 borrowed | |
| 12.90% | 3 year | 36 monthly payments of $33.65 per $1,000 borrowed | |
| 16.00% | 4 year | 48 monthly payments of $28.34 per $1,000 borrowed | |
| Maximum Loan Amount is $9,500.00 | |||
| Home Improvement Loans | 9.00% | 3 year | 36 monthly payments of $31.80 per $1,000 borrowed |
| 10.00% | 5 year | 60 monthly payments of $21.25 per $1,000 borrowed | |
| 11.25% | 10 year | 120 monthly payments of $13.92 per $1,000 borrowed | |
| Maximum Loan Amount is $75,000.00 | |||
| * A Luso American Now Account with Direct Deposit or Automatic Payment Authorization is required to qualify for this rate. | |||
| First Mortgage | |||
| Loan rates change daily; contact us for current rates | |||
| Second Mortgage | |||
| Loan rates change daily contact us for current rates | |||
| Home Equity Line of Credit | |||
| Prime Rate minus 1.00% - Minimum draw amount of $10,000.00 | |||
| Prime Rate minus .50% - No Minimum draw amount required | |||
| Minimum closing costs may apply | |||
| Loans granted to members only. Membership open to individuals who reside or work in Essex County, Massachusetts | |||
| ** Annual Percentage Rate | |||
| All rates are subject to change without notice | |||
