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PERSONAL LOANS
*APR=
Annual Percentage Rate. Other rates and terms are
available and may apply. Rates subject to change without
notice. Some restrictions may apply. May not be used to
refinance existing Luso loans.
There are times you may need more money than you have on
hand. Perhaps you want to make a large purchase or need
a helping hand to overcome a short-term financial
hurdle. Whatever the reason, Luso-American CU offers
affordable personal loan products to fit every budget.
Please review our
RATES.
RECREATIONAL VEHICLE LOANS
Buy or refinance boats, trailers, campers and
motorcycles. Up to 80% LTV financed up to 10 years. Interest
rates are as low as 6.99%.
Please
CONTACT us, or review all
RATES.
FIRST
MORTGAGE LOANS
Partner with Luso-American CU to finance your home and
discover the wonder of a stress free home buying
process.
Our Mortgage Specialist will offer friendly services
throughout the whole mortgage process, CONTACT us with
any questions you might have.
SECOND
MORTGAGES
At Luso-American CU, we understand that fixed rate
second mortgage financing can be a great choice for debt
consolidation or other borrowing needs, as the rate is
lower for a collateralized loan than an unsecured loan,
and in most cases, interest paid on second mortgages is
tax-deductible. Your owner-occupied residence serves as
the collateral on the loan; there are minimal closing
costs, which can often be paid for with the proceeds
from the loan.
Please
CONTACT our mortgage specialist.
HOME EQUITY
LOANS
We offer variable rate
home equity lines of credit. If you're looking to
remodel your home, add on a room, redecorate, install a
pool, upgrade heating/cooling, or need extra cash for
whatever reason, a vehicle purchase, medical expenses or
vacation, your home's available equity could save you a
lot of money in the long run. Luso-American CU can help
you refinance your existing mortgage and save money.
Feel free to
ask
our mortgage specialist to help you determine the best term
for your individual situation.
CONSTRUCTION LOANS
Are you planning on building your own home? Luso
American’s Construction Loan may be for you. We offer
competitive rates, up to 80% financing for up to 30
years. We allow you up to 12 months to construct your
home, and convert the loan to permanent financing after
the 12 month period. For more information contact a
mortgage specialist today!
SHARE
SECURED LOANS
Great for those borrowing for the first time or trying
to repair their credit history, a Share Secured Loan
allows you to borrow at competitive low rates with
convenient repayment terms because you use your savings
(either share or certificate) as collateral.
Your savings remain intact throughout the term of the
loan, and you will continue to receive dividends. As
payments are made on the loan, funds are released in the
savings account.
NEW AND
USED AUTO LOANS
Whether you are looking at a brand new or used car, Luso
American CU offers great rates, starting at 1.99% APR,
which are often more competitive than dealer financing.
For new, used or even refinanced loans from other
lenders it pays to look into Luso-American Cu’s loans
first.
CREDIT
CARDS
We offer a Visa credit cards only, with a maximum line
of credit of
$9,500, and an interest rate of 12.99%.
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