Loans

Loan Rate Pricing Tiers

We believe our members should know how their credit score can affect their loan rate. Our pricing tiers are based on the Experian credit score used when your loan application is reviewed.
The chart below shows the rate structure and signature credit limit associated with each credit score range. This gives you a clear picture of the pricing tier you may qualify for based on your credit score.
Rates are subject to change. Please contact LPCCU for current rates and loan terms.

Effective as of: 09/01/2026

Signature Loan

Sometimes life brings expenses you didn't plan for. Our Signature Loan can provide the funds you need for a variety of personal expenses, including home improvements, vehicle repairs, travel, medical expenses, funeral expenses, attorney fees, and more.

Borrow up to $15,000 with a Signature Loan and get the flexibility to handle the financial hurdle in front of you.

Your loan rate is based on your Experian credit score and our Loan Rate Pricing Tiers, so you know how your credit score can affect the rate you may qualify for.

Ready to apply? Complete the loan application online or contact LPCCU to learn more.

Signature Loan Special

Need a little extra help with an upcoming expense? Our Signature Loan Special can help with expenses such as new tires, furniture, holiday shopping, a vacation, or other unexpected needs.

Borrow $500 to $2,500 and take up to 12 months to repay. It’s a convenient option when you need a smaller amount and a manageable repayment period.

EZ Loan

Unexpected expense? The EZ Loan provides members with a convenient alternative to high-cost payday loans when you need a small amount of money quickly.

Borrow up to $1,000, with the loan amount based on 75% of your verifiable monthly income. There is no credit check and no debt-to-income ratio calculation for this loan.

To qualify, you must be a member of LPCCU for at least six months.
For complete details, including eligibility requirements and loan terms, please review the EZ Loan Packet below.

Share Secured

Put your savings to work when you need access to funds. A Share Secured Loan allows you to borrow against the money you have in your LPCCU Share Savings Account while keeping your savings in place.

Because the loan is secured by your savings, it offers a low-interest-rate borrowing option. The amount you can borrow is based on the amount you have available to secure the loan.

There is no maximum loan amount and no term limit, giving you flexibility to choose a loan amount and repayment schedule that works for your budget. Payments start at just $40 per month.

New Auto & Motorcycle

Dreaming of a new ride? LPCCU offers competitive rates and flexible terms to help make your next new car or motorcycle more affordable.

There are several ways to apply, whether you're already a member or are considering joining LPCCU. We recommend applying online and getting pre-approved before you shop. A pre-approval can help you know how much you can borrow and give you confidence when you're ready to make a purchase.

Used Auto & Motorcycle

Looking for a new-to-you vehicle or a way to lower the rate on your existing auto or motorcycle loan? LPCCU offers competitive financing to help you get behind the wheel while keeping more money in your budget.

Whether you're purchasing a used vehicle or refinancing an existing loan from another Financial Institution, we're here to help you find financing that works for you.

There are several ways to apply, whether you're already a member or are considering joining LPCCU. Apply online, get pre-approved, and shop with confidence.

Debt Restructure

If you're looking for a way to manage your debt, a Debt Restructure Loan may help you put your vehicle's equity to work. By using the equity in your vehicle, you may be able to consolidate debt, lower your interest costs, or free up room in your monthly budget.

We also believe that understanding your credit is an important part of financial health. Our team can help you better understand your credit score, how it can affect your ability to qualify for loans and other financial services, and steps you can take to improve it.

Financial education is part of our mission. Let us help you make informed decisions about your money.

New Boat, RV, Camper & ATV Loans

Ready for some fun? Whether you're dreaming of days on the water, a weekend getaway, or a new ATV for outdoor adventures, LPCCU can help make your recreational plans a reality.

We offer financing for new boats, RVs, campers, and ATVs with flexible terms based on the amount you borrow.

Used Boat, RV, Camper & ATV

 Ready for some fun? Whether you're looking for a boat, RV, camper, or ATV, LPCCU can help make your recreational plans a reality.

We offer financing for used boats, RVs, campers, and ATVs, with loan terms and borrowing amounts based on the amount financed, the make, model, and year of the vehicle.

VISA^® Credit Card

Enjoy the convenience of a Visa^® credit card through LPCCU. Whether you're making everyday purchases, handling an unexpected expense, or simply want another convenient way to pay, a credit card can give you added flexibility when you need it.

Our Visa^® Credit Card program is provided through Elan Financial Services. Interest rates, credit limits, fees, and other account terms are determined by Elan Financial Services and are subject to credit approval.

Learn more about current rates, terms, benefits, and application information through our card provider.

Apply Today >

First Mortgages

Whether you're buying your first home, moving into a new home, or refinancing your current mortgage, LPCCU can help you take the next step toward your homeownership goals.

Our First Mortgage program is offered in partnership with Servion, which processes and services the mortgage. Your mortgage application and loan documents will identify LPCCU as your credit union.

Ready to get started? Learn more about current mortgage options, rates, terms, and the application process through Servion.

Second Mortgages

Need to make a major purchase, complete a home improvement project, or access the equity in your home? A Second Mortgage can give you access to funds while using the equity in your home as collateral.

Our Second Mortgages are processed and serviced right here at LPCCU, giving you the opportunity to work directly with our local lending team.

Rates are reviewed monthly. For current rates, loan amounts, terms, eligibility requirements, and other details, please review our Second Mortgage Fact Sheet.