Rates

Firestone Lake Charles FCU works hard to be your financial institution of choice. We offer competitive rates on loans and deposits. Click on the links below to see a list of our current rates:

Rates subject to change. There may be lag time between rate changes. Firestone Lake Charles Federal Credit Union is not responsible for any unauthorized changes to the rates listed on this website. “Rates stated below are determined by credit score.”

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Loan Rates
Review Date: July 1, 2017 Effective date for changes.

NOTE: All loans are subject to proper credit qualifications.

Deposit Rates

Signature Loans- Eff. July – 2017
Amount Financed APR* Term
Up to $15,000.00 8.00 – 15.00% 48 Months
*APR = Annual Percentage Rate

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Open End Loans – Eff. July – 2017
Amount Financed APR* Term
Up to $15,000.00 8.00 – 15.00%

Up to 47 months,

Line of Credit

*APR = Annual Percentage Rate

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*APR = Annual Percentage Rate

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APR* Term
Shares Secured EFF:July-2017  -3.15% No max. Term required
*APR = Annual Percentage Rate

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Auto Loans

New Autos – July- 2017

(100% of retail plus TT&L)

APR* Term
  3.00% – 8.00% Up to 60 months
 3.50 %- 8.50% Up to 72 months
4.00 %-11.00%  Up to 84 months

Proof of insurance must be maintained and submitted to the credit union.  Worksheet must be forwarded to credit union office.  Extended warranty can be included if it falls within the 100% of the retail sticker price.

Program Cars – July – 2017
From dealers only. Max 15,000 miles or 12 months old.
Financed same way as new vehicles.

 

Used Autos – July 2017

(Finance 95% of NADA retail value or selling price, whichever is less, plus TT&L)

Age of Car APR* Term
1-5 years old

 

3.75 %-9.50%

 

up to 60 months

over  5-7 years

 

5.50% -10.50%

 

up to 48 months

 

Proof of insurance must be maintained and submitted to the credit union.
*APR = Annual Percentage Rate

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Motorcycles- July – 2017

(New and street legal only)

Amount Financed APR* Term

Up to $35,000

(95% financing plus TT&L)

5.50-12.50% 60 months

Proof of insurance must be submitted to the credit union. 

*APR = Annual Percentage Rate

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New Boats, Motors & Trailers – July – 2017

(Need worksheet)

(NOTE: No boat over 6 years old will be financed. Insurance must be maintained. May be asked to bring to credit union for inspection.)

Amount Financed APR* Term

Up to $30,000

(100% financing plus TT&L)

4.00-9.25% 60 months
*APR = Annual Percentage Rate

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Used Boats, Motors & Trailers – July – 2017
(NOTE: No boat over 6 years old will be financed. Insurance must be maintained. May be asked to bring to credit union for inspection.)

Amount Financed

75% of selling price as follows:

APR* Term
$2,000 – $2,999 6.50 – 10.00% 24 months
$3,000 – $6,999 6.50 – 10.00% 30 months
$7,000 – $8,999 6.50 – 10.00% 36 months
*APR = Annual Percentage Rate

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New Recreational Vehicles – July – 2017
(Four wheelers, wave runners, ski-do, snow mobiles, or similar vehicles)

INSURANCE MUST BE MAINTAINED AND FURNISHED TO CREDIT UNION. “FOR PERSONAL USE ONLY”

Amount Financed

APR* Term

(100% of selling price plus TT&L)

Up to $6,000

$6,001 – $12,000

$12,001 – $25,000

 

3.50% – 13.00%

4.50% – 15.00%

5.00% – 16.00%

 

36 months

48 months

60 months

*APR = Annual Percentage Rate

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New Recreational Motor Homes & Camping  Trailers  –      July – 2017

Proof of insurance must be submitted to credit union.

Amount Financed

95% of list price plus TT&L as follows:

APR* Term
UP TO $30,000 4.50 – 10.50% 72 months
$30,001 – $40,000 4.50 – 10.50% 84 months
$40,001 +   4.50  – 10.50% 96 months
*APR = Annual Percentage Rate

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Used Recreational Motor Homes & Camping Trailers – July – 2017

Proof of insurance must be submitted to credit union.

Finance up to 90% of selling price plus TT&L at 6.50-11.50% annual percentage rate for up to 60 months.

Written appraisal from authorized dealer must be furnished and may require credit union to inspect.

Max. loan amount is $25,000.00.

Max. age of motor home or camping trailers is six (6) years old.

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New Farm & Lawn Equipment – July – 2017

(Must have dealer worksheet)

Amount Financed

APR* Term

Up to $25,000

(Finance 100%)

$25,001 – $35,000

4.00 – 9.00%

4.00 – 9.00%

 

60 months

72 months

 

*APR = Annual Percentage Rate

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Used Farm Equipment – July – 2017

(NOTE: Need dealer’s written appraisal.

No equipment over 6 years old.)

Amount Financed

80% of appraised value as follows:

APR* Term
$2,000 – $2,999 7.75 -14.00% 24 months
$3,000 – $6,999 8.25 -15.00% 30 months
$7,000 – $8,999   8.75 -16.000% 36 months
*APR = Annual Percentage Rate

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Household Furnishings – July – 2017
(NOTE:Must bring in sales receipt to credit union.)

(New Only)

Amount Financed

APR* Term
Up to $10,000 5.50 – 8.50% 48 months
*APR = Annual Percentage Rate

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Deposit Rates

Regular Savings .15% APY* as of the 2nd quarter 2017. This is the dividend paid.
The Board decides each quarter what amount of dividend is to be paid.

 

APY = Annual Percentage Yield

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Term Shares (Share Certificate)

  • EFFECTIVE :    July – 2017
  • $1,000 min. – 6 months – .20% APR*
  • $1,000 min. – 1 year – .30% APR*

NOTE: Rate determined by Board of Directors as needed.

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