When you are looking for excellent rates on loan products, look no further. Luso American Credit Union have the competitive rates you are looking for.

Rates quoted are accurate as of April 9, 2018.

Auto Loans

Interest rate for all auto loans will be based on the applicants' credit score
and can be as low as 2.49% apr

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Recreational Vehicle Loans
Type APR*
Motorcycle & RV Loans 3% above appropriate Auto Loan rate
Boat Loans 3% above appropriate Auto Loan rate

*Annual Percentage Rate

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Share Secured Loans & Overdraft Protection
Type APR*
Share Secured Loans 2% above interest rate on share account used as security
Overdraft Protection 14.00% APR*

*Annual Percentage Rate

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Personal Unsecured Loans
Type APR* Term
Personal Unsecured Loans 7.90% 1 year
Personal Unsecured Loans 8.90% 2 years
Personal Unsecured Loans 9.90% 3 years
Personal Unsecured Loans 10.90% 4 years

Maximum Loan Amount is $9,500.00

*Annual Percentage Rate

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Visa Credit Card
Type APR* Term
Visa Credit Card 12.99% Revolving - No Annual Fee

*Annual Percentage Rate

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Rates quoted are accurate as of May 24, 2018.

First Mortgage
Type APR* Interest Rate Points
30 Year 4.785% 4.750% 0
15 Year 4.430% 4.375% 0

*Annual Percentage Rate

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Rates quoted are accurate as of May 24, 2018.

Second Mortgage
Type APR* Interest Rate Points
20 Year 5.002% 5.000% 0
15 Year 4.627% 4.625% 0

*Annual Percentage Rate

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Home Equity Line of Credit

  • 4.750% APR1 (no minimum balance required)
  • 0.25% reduction in rate for checking account
  • 0.25% reduction in rate for $25,000 initial draw and maintain balance for 6 months.

1 Prime rate as published in the Wall Street Journal on the last business day of each month with a minimum initial draw of $25,000.00

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