Rates


Auto Loans

Term and TypeBranchAPR*
36-month 2017 - 2020 New & Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union3.05 %
48-month 2017 - 2020 New & Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union3.25 %
60-month 2017 - 2020 New & Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union3.35 %
72-month 2017 - 2020 New & Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union3.85 %
84-month 2017 - 2020 New & Used Cars, Trucks and VansLand of Lincoln Credit Union4.60 %
48-month 2015 - 2016 Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union3.35 %
60-month 2015 - 2016 Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union3.60 %
72-month 2015 - 2016 Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union4.60 %
48-month 2013 - 2014 Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union3.85 %
60-month 2013 - 2014 Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union4.35 %
72-month 2013 - 2014 Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union5.35 %
36-month 2011 - 2012 Used Cars, Trucks, Vans, Motorcycles*Land of Lincoln Credit Union5.10 %

RV & Boat Loans

Term and TypeBranchAPR*
60-month - New RV's & Boats Under $10,000Land of Lincoln Credit Union4.55 %
60-month - New RV's & Boats $10,000 - $25,000Land of Lincoln Credit Union4.55 %
96-month - New RV's & Boats $10,000 - $25,000Land of Lincoln Credit Union5.55 %
120-month - New RV's & Boats $10,000 - $25,000Land of Lincoln Credit Union6.05 %
60-month - New RV's & Boats Over $25,000Land of Lincoln Credit Union4.55 %
96-month - New RV's & Boats Over $25,000Land of Lincoln Credit Union5.55 %
120-month - New RV's & Boats Over $25,000Land of Lincoln Credit Union6.05 %
60-month - Used RV's & Boats Under $10,000Land of Lincoln Credit Union5.05 %
60-month - Used RV's & Boats $10,000 - $25,000Land of Lincoln Credit Union5.05 %
96-month - Used RV's & Boats $10,000 - $25,000Land of Lincoln Credit Union5.80 %
120-month - Used RV's & Boats $10,000 - $25,000Land of Lincoln Credit Union6.45 %
60-month - Used RV's & Boats Over $25,000Land of Lincoln Credit Union5.05 %
96-month - Used RV's & Boats Over $25,000Land of Lincoln Credit Union5.80 %
120-month - Used RV's & Boats Over $25,000Land of Lincoln Credit Union6.45 %

Mortgages

MortgagesBranchRateAPR
Conventional - 30 Year Fixed RateLand of Lincoln Credit Union3.000 % 3.112%
Conventional - 20 Year Fixed RateLand of Lincoln Credit Union2.875 % 2.915%
Conventional - 15 Year Fixed RateLand of Lincoln Credit Union2.500 % 2.702%
Conventional - 10 Year Fixed RateLand of Lincoln Credit Union2.500 % 2.702%

2nd Mortgages

2nd MortgagesBranchAPR*
2nd Mortgage - Fixed Rate (as much as 100% Loan to Value and up to 5 Years)Land of Lincoln Credit Union3.50 %
2nd Mortgage - Fixed Rate (as much as 100% Loan to Value and up to 9 Years)Land of Lincoln Credit Union4.25 %
2nd Mortgage - Fixed Rate (as much as 75% Loan to Value and up to 5 Years)Land of Lincoln Credit Union3.75 %
2nd Mortgage - Fixed Rate (as much as 75% Loan to Value and up to 9 Years)Land of Lincoln Credit Union4.50 %

Home Equity Loans

Home EquityBranchAPR*
Home Equity Line of Credit (HELOC) - Variable RateLand of Lincoln Credit Union0.00 %
Home Equity Line of Credit (HELOC) - 5-Year Fixed RateLand of Lincoln Credit Union3.50 %
Home Equity Line of Credit (HELOC) - 7-Year Fixed RateLand of Lincoln Credit Union4.00 %
Home Equity Line of Credit (HELOC) - 10-Year Fixed RateLand of Lincoln Credit Union4.50 %

Revolving Credit

Revolving CreditBranchAPR*
Line of CreditLand of Lincoln Credit Union12.50 %
Line of Credit with Checking AccountLand of Lincoln Credit Union12.25 %
Visa Basic Credit CardLand of Lincoln Credit Union15.90 %
Visa Platinum Points Credit CardLand of Lincoln Credit Union11.90 %
Visa Platinum Rates Credit CardLand of Lincoln Credit Union9.25 %

Miscellaneous Loans

Miscellaneous LoansBranchAPR*
Shared Secured Loan (100% Share Secured in Excess of $999.99)Land of Lincoln Credit Union2.50 %
Signature or Personal Loan (>$1,000)Land of Lincoln Credit Union7.90 %
Signature or Personal Loan (<$1,000)Land of Lincoln Credit Union11.75 %

Savings

Basic Savings AccountsBranchMin BalanceDividend RateAPY
Regular SharesLand of Lincoln Credit Union$5.00 to $2,499.000.10 % 0.10 %
Regular SharesLand of Lincoln Credit Union$2,500.00 or Greater0.10 % 0.10 %
Christmas Club AccountLand of Lincoln Credit UnionNone0.10 % 0.10 %
Vacation Club AccountLand of Lincoln Credit UnionNone0.10 % 0.10 %

Money Markets

Money MarketsBranchDividend RateAPY
$2,500 - $9,999Land of Lincoln Credit Union0.25 % 0.25 %
$10,000 - $24,999Land of Lincoln Credit Union0.28 % 0.28 %
$25,000 and AboveLand of Lincoln Credit Union0.30 % 0.30 %

MAXimum Money Markets

MAXimum Money MarketsBranch Dividend RateAPY
$25,000 - $49,999Land of Lincoln Credit Union0.35 % 0.35 %
$50,000 - $99,999Land of Lincoln Credit Union0.40 % 0.40 %
$100,000 and AboveLand of Lincoln Credit Union0.45 % 0.45 %

IRA

IRABranchMin BalanceDividend RateAPY
IRA BuilderLand of Lincoln Credit Union$50 to Open0.35 % 0.35 %
Roth IRA BuilderLand of Lincoln Credit Union$50 to Open0.35 % 0.35 %

Health Savings Account (HSA)

Health Savings Account (HSA)BranchMin BalanceDividend RateAPY
HSALand of Lincoln Credit Union$50.001.00 % 1.00 %

Checking

Checking AccountsBranchMin BalanceDividend RateAPY
Free CheckingLand of Lincoln Credit UnionNo Minimum Balance0.00 % 0.00 %
Share Draft Plus/CheckingLand of Lincoln Credit Union$500.000.10 % 0.10 %
Horizon Club CheckingLand of Lincoln Credit Union$500 Balance Required to Earn Dividend0.10 % 0.10 %
Premier Advantage Checking*Land of Lincoln Credit Union$500 Balance Required to Earn Dividend0.10 % 0.10 %

Share Certificates (CDs)

Term and Share CertificatesBranchMin. Opening DepositDividend RateAPY
12-month - Share Certificate Starter**Land of Lincoln Credit Union$1000.25 % 0.25 %
3-month - Share Certificates $1,000 to $9,999.00Land of Lincoln Credit Union$1,0000.20 % 0.20 %
6-month - Share Certificates $1,000 to $9,999.00Land of Lincoln Credit Union$1,0000.25 % 0.25 %
12-month - Share Certificates $1,000 to $9,999.00Land of Lincoln Credit Union$1,0000.35 % 0.35 %
18-month - Share Certificates $1,000 to $9,999.00Land of Lincoln Credit Union$1,0000.40 % 0.40 %
24-month - Share Certificates $1,000 to $9,999.00Land of Lincoln Credit Union$1,0000.45 % 0.45 %
30-month - Share Certificates $1,000 to $9,999.00Land of Lincoln Credit Union$1,0000.50 % 0.50 %
36-month - Share Certificates $1,000 to $9,999.00Land of Lincoln Credit Union$1,0000.60 % 0.60 %
48-month - Share Certificates $1,000 to $9,999.00Land of Lincoln Credit Union$1,0000.70 % 0.70 %
60-month - Share Certificates $1,000 to $9,999.00Land of Lincoln Credit Union$1,0000.80 % 0.80 %
3-month - Share Certificates $10,000 to $49,999.00Land of Lincoln Credit Union$10,0000.25 % 0.25 %
6-month - Share Certificates $10,000 to $49,999.00Land of Lincoln Credit Union$10,0000.30 % 0.30 %
12-month - Share Certificates $10,000 to $49,999.00Land of Lincoln Credit Union$10,0000.45 % 0.45 %
18-month - Share Certificates $10,000 to $49,999.00Land of Lincoln Credit Union$10,0000.50 % 0.50 %
24-month - Share Certificates $10,000 to $49,999.00Land of Lincoln Credit Union$10,0000.55 % 0.55 %
30-month - Share Certificates $10,000 to $49,999.00Land of Lincoln Credit Union$10,0000.60 % 0.60 %
36-month - Share Certificates $10,000 to $49,999.00Land of Lincoln Credit Union$10,0000.70 % 0.70 %
48-month - Share Certificates $10,000 to $49,999.00Land of Lincoln Credit Union$10,0000.80 % 0.80 %
60-month - Share Certificates $10,000 to $49,999.00Land of Lincoln Credit Union$10,0000.90 % 0.90 %
3-month - Share Certificates $50,000.00 or GreaterLand of Lincoln Credit Union$50,0000.40 % 0.40 %
6-month - Share Certificates $50,000.00 or GreaterLand of Lincoln Credit Union$50,0000.45 % 0.45 %
12-month - Share Certificates $50,000.00 or GreaterLand of Lincoln Credit Union$50,0000.55 % 0.55 %
18-month - Share Certificates $50,000.00 or GreaterLand of Lincoln Credit Union$50,0000.60 % 0.60 %
24-month - Share Certificates $50,000.00 or GreaterLand of Lincoln Credit Union$50,0000.70 % 0.70 %
30-month - Share Certificates $50,000.00 or GreaterLand of Lincoln Credit Union$50,0000.75 % 0.75 %
36-month - Share Certificates $50,000.00 or GreaterLand of Lincoln Credit Union$50,0000.85 % 0.85 %
48-month - Share Certificates $50,000.00 or GreaterLand of Lincoln Credit Union$50,0000.95 % 0.95 %
60-month - Share Certificates $50,000.00 or GreaterLand of Lincoln Credit Union$50,0001.04 % 1.05 %
SPECIAL RATE: 15 month - Share Certificates $10,000.00 MinimumLand of Lincoln Credit Union$10,0000.60 % 0.60 %

Selected Rates current as of 7/1/2020, for approved customers.

DISCLOSURES:

The Annual Percentage Rate (APR*) is determined by applicant credit, payment history, collateral,
term of loan, and percent of product financed. Your individual rate and term may vary. Rates and
terms subject to change. The rates published below are advertising the lowest rate possible on
each term. Please contact a loan officer for more information.

The interest rate and Annual Percentage Yield (APY*) may change after the account is opened.

For Share Certificates, a penalty may be imposed for early withdrawal. Fees could reduce earnings.

Home Equity Line of Credit (HELOC)
: The annual percentage rate can change annually on the first
day of July. The rate cannot increase or decrease more than 2.0 percentage points in any one year
period. The maximum ANNUAL PERCENTAGE RATE that can apply is 12.0% or the maximum permitted by law,
whichever is less. However, under no circumstances will your ANNUAL PERCENTAGE RATE go below 4.00%
at any time during the term of the plan.

FEES AND CHARGES: You must pay certain fees to third parties to open the plan. These fees generally
total between $0.00 and $350.00. If you ask, we will provide you with an itemization of the fees
you will have to pay third parties.

Annual Percentage Rate (APR) is based on the value of an index. The index is the Prime Rate published
in the Money Rates column of the Wall Street Journal. When a range of rates has been published the
highest rate will be used. We will use the most recent index value available to us as of the date
of any annual percentage rate adjustment.

RATE CHANGES: The annual percentage rate can change annually on the first day of July. The rate cannot
increase or decrease more than 2.0 percentage points in any one year period. The maximum ANNUAL PERCENT-
AGE RATE that can apply is 12.0% or the maximum permitted by law, whichever is less. However, under
no circumstances will your ANNUAL PERCENTAGE RATE go below 4.0% at any time during the term of the plan.

VARIABLE RATE (HELOC):
The HELOC with the variable rate feature may result in an annual percentage rate
(corresponding to the periodic rate) and and a minimum payment that changes. The annual percentage rate
includes only interest and no other costs.