Vehicle

Loans

We have a range of loan options and lines of credit that can meet your needs and budget.

By being member-owned, we are able to return our earnings to you in the form of higher rates on shares and lower rates on loans. If you are not already a member, join us today and start taking advantage of our great rates.

Auto Loans

Loans APR as low as Maximum Term
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.24% 36 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.49% 66 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 3.79% 75 months
New Auto and Previous 3 Years and Up - Less than 30,000 miles 4.54% 84 months
Previous 3 Years and up - More Than 30,000 miles 3.49% 66 months
Previous 3 Years and up - More Than 30,000 miles 3.79% 72 months
Used Auto (4-6 years old) 3.99% 66 months
Used Auto (7-24 Years) 4.99% 54 months
Antique Automobiles (25 yrs old) 6.00% 48 months
Rebuilt Automobiles 6.00% 48 months
Effective 11/12/19

All rates and terms are subject to change without notice. Must be a Listerhill Credit Union member to apply; All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. APR = Annual Percentage Yield.

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Recreational Loans

Loans APY Maximum
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.50% 60 Months
New/Used Motorcycle & 4 Wheelers NADA Retail More than $10,000 as low as 4.74% 72 Months
New Motorcycle & 4 Wheeler as low as 4.74% 60 Months
Used Motorcycles & 4 Wheelers as low as 5.24% 48 Months
New Motor Home as low as 5.50% 144 Months
Used Motor Homes as low as 6.00% 120 Months
New 5th Wheel as low as 5.99% 144 Months
New Travel Trailers as low as 6.49% 84 Months
Used Travel Trailers as low as 6.50% 60 Months
New Watercraft as low as 4.74% 60 Months
New Watercraft as low as 5.04% 84 Months
New Watercraft as low as 5.74% 120 Months
Used Watercraft as low as 4.74% 48 Months
Used Watercraft as low as 5.24% 60 Months
Used Watercraft as low as 5.74% 72 Months
Used Watercraft - Previous 3 Years & up (Minimum $25,000) as low as 6.74% 120 Months
New Waverunners as low as 5.24% 60 Months
New Waverunners as low as 5.74% 72 Months
Used Waverunners as low as 7.25% 48 Months
Effective 3/29/19

Home Loans

Loans APR Maximum Term
30 Year Fixed Rate Call 1-800-239-6033 for the latest rate 30 years
15 Year Fixed Rate Call 1-800-239-6033 for the latest rate 15 years
Home Equity Line of Credit as low as 5.00% 10 year draw, 20 year payback
3/3 Adjustable Rate Mortgage as low as 3.90% 3 years (amortized over 30 years)
5/5 Adjustable Rate Mortgage as low as 4.25% 5 years (amortized over 30 years)
2nd Mortgage - Short Term Fixed as low as 4.25% 7 years
Construction Loan as low as 4.99% 12 months
Land Loan as low as 7.00% 15 years
Effective 8/19/19

* All rates and terms are subject to change without notice.

All loans and credit cards subject to credit approval; Actual rate will be determined by the credit worthiness of the borrower. Other restrictions may apply. Rates are subject to change without notice. Equal Housing Lender. The annual percentage rates (APR) on adjustable-rate home loans may vary and are subject to change after consummation. Please call a loan officer for down payment information.

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Other Loans

Loans APR Maximum Term
Unsecured Personal as low as 8.99% 60 months
Lawnmowers and Utility Trailers as low as 5.49% 48 months
Farm Equipment as low as 5.49% 60 months
Effective 3/29/19
Things You Need to Know Before Getting a Used Car Loan

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The Best Time To Buy A New Car With An Auto Loan

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Common Links

Frequently Asked Questions

  • Do you have mobile deposit for checks?

    Yes! You can learn about how to use mobile deposit by logging into online banking and clicking Mobile Deposit. There, you will find step-by-step instructions on how to deposit your checks with your phone. 

  • Are checks free?

    Depending on the type of account you have, free checks is one of our many benefits. If you have a Pick 5, Young At Heart, or Hill Checking Account, you have access to free checks. 

  • How do I view my transactions in the LCU Cards app?

    Once your card is entered into the app, you can tap on the card image to view transactions.

  • Can I see my checking account balance on my debit card?

    No, but you can view pending or posted transactions on your debit card through the app. You can find your checking account balance through Online Banking or through the Listerhill app.

  • How do I add another card to the LCU Cards app?

    Swipe left to enter a new card once you have entered your first card.