PERSONAL 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, APPLY online 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 3.99% 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%.