Land of Lincoln Credit Union

See the competitive rates available for loans, investments, and banking accounts. Contact us to open an account.

Auto Loans

Term and Type	Branch	APR*
36-month 2020 - 2023 New & Used Cars, Trucks, Vans, Motorcycles*	Land of Lincoln Credit Union	4.050 %
48-month 2020 - 2023 New & Used Cars, Trucks, Vans, Motorcycles*	Land of Lincoln Credit Union	4.250 %
60-month 2020 - 2023 New & Used Cars, Trucks, Vans, Motorcycles*	Land of Lincoln Credit Union	4.350 %
72-month 2020 - 2023 New & Used Cars, Trucks, Vans, Motorcycles*	Land of Lincoln Credit Union	5.000 %
84-month 2020 - 2023 New & Used Cars, Trucks and Vans	Land of Lincoln Credit Union	6.000 %
48-month 2018 - 2019 Used Cars, Trucks, Vans, Motorcycles*	Land of Lincoln Credit Union	4.700 %
60-month 2018 - 2019 Used Cars, Trucks, Vans, Motorcycles*	Land of Lincoln Credit Union	4.950 %
72-month 2018 - 2019 Used Cars, Trucks, Vans, Motorcycles*	Land of Lincoln Credit Union	5.700 %
48-month 2016 - 2017 Used Cars, Trucks, Vans, Motorcycles*	Land of Lincoln Credit Union	5.500 %
60-month 2016 - 2017 Used Cars, Trucks, Vans, Motorcycles*	Land of Lincoln Credit Union	6.000 %
72-month 2016 - 2017 Used Cars, Trucks, Vans, Motorcycles*	Land of Lincoln Credit Union	7.000 %

RV & Boat Loans

Term and Type	Branch	APR*
60-month - New RV's & Boats Under $10,000	Land of Lincoln Credit Union	5.750 %
60-month - New RV's & Boats $10,000 - $25,000	Land of Lincoln Credit Union	5.750 %
96-month - New RV's & Boats $10,000 - $25,000	Land of Lincoln Credit Union	6.750 %
120-month - New RV's & Boats $10,000 - $25,000	Land of Lincoln Credit Union	7.250 %
60-month - New RV's & Boats Over $25,000	Land of Lincoln Credit Union	5.750 %
96-month - New RV's & Boats Over $25,000	Land of Lincoln Credit Union	6.750 %
120-month - New RV's & Boats Over $25,000	Land of Lincoln Credit Union	7.250 %
60-month Used RV & Boats Under $10,000	Land of Lincoln Credit Union	6.000 %
60-month - Used RV's & Boats $10,000 - $25,000	Land of Lincoln Credit Union	6.000 %
96-month - Used RV's & Boats $10,000 - $25,000	Land of Lincoln Credit Union	7.000 %
120-month - Used RV's & Boats $10,000 - $25,000	Land of Lincoln Credit Union	7.500 %
60-month - Used RV's & Boats Over $25,000	Land of Lincoln Credit Union	6.000 %
96-month - Used RV's & Boats Over $25,000	Land of Lincoln Credit Union	7.000 %
120-month - Used RV's & Boats Over $25,000	Land of Lincoln Credit Union	7.500 %

Share Certificates (CDs)

Term and Share Certificates	Branch	Min. Opening Deposit	Dividend Rate	APY
SPECIAL RATE: 13-month - $2,500.00 Minimum	Land of Lincoln Credit Union	$2,500	3.000 %	3.040 %
12-month - Share Certificate Starter**	Land of Lincoln Credit Union	$100	0.300 %	0.300 %
SPECIAL RATE: 27 month - $2,500.00 Minimum	Land of Lincoln Credit Union	$2,500	3.100 %	3.140 %
SPECIAL RATE: 15 MONTH JUMBO	Land of Lincoln Credit Union	$50,000	3.750 %	3.820 %
SPECIAL RATE: 21 MONTH JUMBO	Land of Lincoln Credit Union	$50,000	3.950 %	4.020 %
3-month - Share Certificates $1,000 to $9,999.00	Land of Lincoln Credit Union	$1,000	0.350 %	0.350 %
6-month - Share Certificates $1,000 to $9,999.00	Land of Lincoln Credit Union	$1,000	0.400 %	0.400 %
12-month - Share Certificates $1,000 to $9,999.00	Land of Lincoln Credit Union	$1,000	0.550 %	0.550 %
18-month - Share Certificates $1,000 to $9,999.00	Land of Lincoln Credit Union	$1,000	0.650 %	0.650 %
24-month - Share Certificates $1,000 to $9,999.00	Land of Lincoln Credit Union	$1,000	0.700 %	0.700 %
30-month - Share Certificates $1,000 to $9,999.00	Land of Lincoln Credit Union	$1,000	0.750 %	0.750 %
36-month - Share Certificates $1,000 to $9,999.00	Land of Lincoln Credit Union	$1,000	0.800 %	0.800 %
48-month - Share Certificates $1,000 to $9,999.00	Land of Lincoln Credit Union	$1,000	0.850 %	0.850 %
60-month - Share Certificates $1,000 to $9,999.00	Land of Lincoln Credit Union	$1,000	1.000 %	1.000 %
3-month - Share Certificates $10,000 to $49,999.00	Land of Lincoln Credit Union	$10,000	0.450 %	0.450 %
6-month - Share Certificates $10,000 to $49,999.00	Land of Lincoln Credit Union	$10,000	0.500 %	0.500 %
12-month - Share Certificates $10,000 to $49,999.00	Land of Lincoln Credit Union	$10,000	0.650 %	0.650 %
18-month - Share Certificates $10,000 to $49,999.00	Land of Lincoln Credit Union	$10,000	0.750 %	0.750 %
24-month - Share Certificates $10,000 to $49,999.00	Land of Lincoln Credit Union	$10,000	0.800 %	0.800 %
30-month - Share Certificates $10,000 to $49,999.00	Land of Lincoln Credit Union	$10,000	0.850 %	0.850 %
36-month - Share Certificates $10,000 to $49,999.00	Land of Lincoln Credit Union	$10,000	0.900 %	0.900 %
48-month - Share Certificates $10,000 to $49,999.00	Land of Lincoln Credit Union	$10,000	0.950 %	0.950 %
60-month - Share Certificates $10,000 to $49,999.00	Land of Lincoln Credit Union	$10,000	1.090 %	1.100 %
3-month - Share Certificates $50,000.00 or Greater	Land of Lincoln Credit Union	$50,000	0.500 %	0.500 %
6-month - Share Certificates $50,000.00 or Greater	Land of Lincoln Credit Union	$50,000	0.550 %	0.550 %
12-month - Share Certificates $50,000.00 or Greater	Land of Lincoln Credit Union	$50,000	0.700 %	0.700 %
18-month - Share Certificates $50,000.00 or Greater	Land of Lincoln Credit Union	$50,000	0.800 %	0.800 %
24-month - Share Certificates $50,000.00 or Greater	Land of Lincoln Credit Union	$50,000	0.900 %	0.900 %
30-month - Share Certificates $50,000.00 or Greater	Land of Lincoln Credit Union	$50,000	0.950 %	0.950 %
36-month - Share Certificates $50,000.00 or Greater	Land of Lincoln Credit Union	$50,000	1.000 %	1.000 %
48-month - Share Certificates $50,000.00 or Greater	Land of Lincoln Credit Union	$50,000	1.040 %	1.050 %
60-month - Share Certificates $50,000.00 or Greater	Land of Lincoln Credit Union	$50,000	1.190 %	1.200 %

Mortgages

Mortgages	Branch	Rate	APR
Conventional - 30 Year Fixed Rate	Land of Lincoln Credit Union	5.750 %	5.881%
Conventional - 20 Year Fixed Rate	Land of Lincoln Credit Union	5.500 %	5.697%
Conventional - 15 Year Fixed Rate	Land of Lincoln Credit Union	5.125 %	5.342%
Conventional - 10 Year Fixed Rate	Land of Lincoln Credit Union	5.000 %	5.351%

2nd Mortgages

2nd Mortgages	Branch	APR*
2nd Mortgage - Fixed Rate (as much as 100% Loan to Value and up to 5 Years)	Land of Lincoln Credit Union	5.000 %
2nd Mortgage - Fixed Rate (as much as 100% Loan to Value and up to 9 Years)	Land of Lincoln Credit Union	5.750 %
2nd Mortgage - Fixed Rate (as much as 75% Loan to Value and up to 5 Years)	Land of Lincoln Credit Union	5.250 %
2nd Mortgage - Fixed Rate (as much as 75% Loan to Value and up to 9 Years)	Land of Lincoln Credit Union	6.000 %

Home Equity Loans

Home Equity	Branch	APR*
Home Equity Line of Credit (HELOC) - Variable Rate	Land of Lincoln Credit Union	0.000 %
Home Equity Line of Credit (HELOC) - 5-Year Fixed Rate	Land of Lincoln Credit Union	4.750 %
Home Equity Line of Credit (HELOC) - 7-Year Fixed Rate	Land of Lincoln Credit Union	5.250 %
Home Equity Line of Credit (HELOC) - 10-Year Fixed Rate	Land of Lincoln Credit Union	5.750 %

Revolving Credit

Revolving Credit	Branch	APR*
Line of Credit	Land of Lincoln Credit Union	12.500 %
Line of Credit with Checking Account	Land of Lincoln Credit Union	12.250 %
Visa Basic Credit Card	Land of Lincoln Credit Union	15.900 %
Visa Platinum Points Credit Card	Land of Lincoln Credit Union	11.900 %
Visa Platinum Rates Credit Card	Land of Lincoln Credit Union	9.250 %

Miscellaneous Loans

Miscellaneous Loans	Branch	APR*
Shared Secured Loan (100% Share Secured in Excess of $999.99)	Land of Lincoln Credit Union	1.950 %
Signature or Personal Loan - $1,000 or more	Land of Lincoln Credit Union	9.800 %
Signature or Personal Loan - less than $1,000	Land of Lincoln Credit Union	12.800 %

Checking

Checking Accounts	Branch	Min Balance	Dividend Rate	APY
Free Checking	Land of Lincoln Credit Union	No Minimum Balance	0.000 %	0.000 %
Share Draft Plus/Checking	Land of Lincoln Credit Union	$500.00	0.100 %	0.100 %
Horizon Club Checking	Land of Lincoln Credit Union	$500 Balance Required to Earn Dividend	0.100 %	0.100 %
Premier Advantage Checking*	Land of Lincoln Credit Union	$500 Balance Required to Earn Dividend	0.100 %	0.100 %

Savings

Basic Savings Accounts	Branch	Min Balance	Dividend Rate	APY
Regular Shares	Land of Lincoln Credit Union	$5.00 to $2,499.00	0.080 %	0.080 %
Regular Shares	Land of Lincoln Credit Union	$2,500.00 or Greater	0.080 %	0.080 %
Christmas Club Account	Land of Lincoln Credit Union	None	0.080 %	0.080 %
Vacation Club Account	Land of Lincoln Credit Union	None	0.060 %	0.060 %

Money Markets

Money Markets	Branch	Dividend Rate	APY
$2,500 - $9,999	Land of Lincoln Credit Union	0.500 %	0.500 %
$10,000 - $24,999	Land of Lincoln Credit Union	0.550 %	0.550 %
$25,000 and Above	Land of Lincoln Credit Union	0.650 %	0.650 %

MAXimum Money Markets

MAXimum Money Markets	Branch	Dividend Rate	APY
$25,000 - $49,999	Land of Lincoln Credit Union	0.700 %	0.700 %
$50,000 - $99,999	Land of Lincoln Credit Union	0.750 %	0.750 %
$100,000 and Above	Land of Lincoln Credit Union	0.800 %	0.800 %

IRA

IRA	Branch	Min Balance	Dividend Rate	APY
IRA Builder	Land of Lincoln Credit Union	$50 to Open	0.350 %	0.350 %
Roth IRA Builder	Land of Lincoln Credit Union	$50 to Open	0.350 %	0.350 %

Health Savings Account (HSA)

Health Savings Account (HSA)	Branch	Min Balance	Dividend Rate	APY
HSA	Land of Lincoln Credit Union	$50.00	1.000 %	1.000 %

Selected Rates current as of 1/19/2023, 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.