Rates

*APY = Annual Percentage Yield. Dividends calculated daily and credited monthly. Rates subject to change.

Share Draft Plus/Checking and Horizon Club Checking both require $5 to open account. Additionally, a minimum balance of $500 required. If balance falls below $500 any time during month, a $5 service charge will be assessed, and all interested will be forfeited. If the account remains at $500 or more for the entire month, interest is paid on the daily
balance.

Amped Checking requires $5 to open account. Account pays interest if member is enrolled in Online Banking, eStatements and has 20 debit card transactions monthly. Interest paid is based on average daily balances in tiers as follows: $0 - $,1500.00 will earn 3.00% APY; $1,500.01 - $5,000 will earn1.50% APY; $5,000.01 and above will earn
0.10% APY. No minimum balance is required, however, if the account is NOT enrolled in Home Banking, e-Statements and has 20 debit card transactions monthly, a $5 monthly fee will incur and interest will not be paid.

Premier Advantage Checking requires $5 to open account. Account pays interest with a balance of $500 or more. Member must be 50 years or older and/or retired. Member must have entire Social Security/Pension Check or Direct Deposit of net check into their account.

Selected Rates current as of 9/1/2023, for approved customers.

*APY = Annual Percentage Yield. Dividends calculated daily and credited monthly. Rates subject to change.

Basic Savings Account requires $5 to open account. No monthly service fee unless member exceeds 6 withdrawals per month. Interest paid in tiers based minimum balance ranges listed above.

Custom Savings Account requires $0 to open account. No monthly service fees. Interest paid is based on average daily balances.

Christmas Club Account requires $0 to open account. No monthly service fee unless member exceeds the one (1) withdrawal per quarter allowed. Interest paid is based on average daily balances.

Vacation Club Account requires $0 to open account. No monthly service fee unless member exceeds the two (2) withdrawals per quarter allowed. Interest paid is based on average daily balances.

All LLCU savings accounts are insured to $500,000 and all IRAs are insured up to $500,000. That is a combined total of $1,000,000 if both types of accounts are maintained at LLCU. This insurance is provided through NCUA (National Credit Union Administration), an agency of the Federal Government, and through ESI (Excess Share Insurance), a wholly owned subsidiary of American Share Insurance and is provided free by LLCU. Fee Schedule available upon request by calling 1-844-222-7788.

Selected Rates current as of 9/1/2023, for approved customers.

APY* = Annual Percentage Yield and may change after the account is opened.

All certificates will be automatically renewed at maturity at the rate of interest in effect on the renewal date for a successive period equal to the original term unless the certificate is presented for payment on or within 10 days after maturity date. A penalty may be imposed for early withdrawal. Fees could reduce earnings.

Selected Rates current as of 9/1/2023, for approved customers.

*APY = Annual Percentage Yield. Dividends calculated daily and credited monthly. Rates subject to change. Dividends are paid based on three levels of deposits listed above.

Minimum balance of $2,500 is required. Accounts have a minimum deposit and withdrawal requirement of $100. Preauthorized transactions are limited to six (6) per month and three (3) may be payable to a third party. 

NCUA and ESI Insured. Fee Schedule available upon request by calling 1-844-222-7788.

Selected Rates current as of 9/1/2023, for approved customers.

*APY = Annual Percentage Yield. Dividends calculated daily and credited monthly. Rates subject to change. Dividends are paid based on three levels of deposits listed above.

Minimum balance of $2,500 is required. Accounts have a minimum deposit and withdrawal requirement of $100. Preauthorized transactions are limited to six (6) per month and three (3) may be payable to a third party. Excess withdrawals are subject to a fee of $20 each or account closing.

NCUA and ESI Insured. Fee Schedule available upon request by calling 1-844-222-7788.

Selected Rates current as of 9/1/2023, for approved customers.

*APY = Annual Percentage Yield. Dividends calculated daily and credited monthly. Rates subject to change. Dividends are paid based on three levels of deposits listed above. Other rules and restrictions may apply and can be viewed by CLICKING HERE.

All LLCU savings accounts are insured to $500,000 and all IRAs are insured up to $500,000. That is a combined total of $1,000,000 if both types of accounts are maintained at LLCU. This insurance is provided through NCUA (National Credit Union Administration), an agency of the Federal Government, and through ESI (Excess Share Insurance), a wholly owned subsidiary of American Share Insurance and is provided free by LLCU. Fee Schedule available upon request by calling 1-844-222-7788.

Selected Rates current as of 9/1/2023, for approved customers.

*APY = Annual Percentage Yield. Dividends calculated daily and credited monthly. Rates subject to change. Dividends are paid based on three levels of deposits listed above. Other rules and restrictions may apply and can be viewed by CLICKING HERE.

All LLCU savings accounts are insured to $500,000 and all IRAs are insured up to $500,000. That is a combined total of $1,000,000 if both types of accounts are maintained at LLCU. This insurance is provided through NCUA (National Credit Union Administration), an agency of the Federal Government, and through ESI (Excess Share Insurance), a wholly owned subsidiary of American Share Insurance and is provided free by LLCU. Fee Schedule available upon request by calling 1-844-222-7788.

Selected Rates current as of 9/1/2023, for approved customers.

APR* = Annual Percentage Rate 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. Rates and terms are subject to change and are based on the term of the loan, model year of the vehicle, as well as your credit history. Your individual rate and term may vary. The rates published above are advertising the lowest rate possible on each term. Please contact a loan officer for more information. Loan example: The monthly payment of a $10,000 loan at 5.450% APR for 60 months would be $190.90. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.

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.

Selected Rates current as of 9/1/2023, for approved customers.

APR* = Annual Percentage Rate 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. Rates and terms are subject to change and are based on the term of the loan, model year of the vehicle, as well as your credit history. Your individual rate and term may vary. The rates published above are advertising the lowest rate possible on each term. Please contact a loan officer for more information. Loan example: The monthly payment of a $10,000 loan at 5.450% APR for 60 months would be $190.90. Maximum term on secured loans is dependent upon the age of the security and mileage on the collateral. Some restrictions may apply.

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.

Selected Rates current as of 9/1/2023, for approved customers.

Home Equity Line of Credit (HELOC): The Annual Percentage Rate (APR*) 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 APR that can apply is 12.0% or the maximum permitted by law, whichever is less. However, under no circumstances will your APR go below 4.00% at any time during the term of the plan.

APR* = Annual Percentage Rate 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. Rates and terms are subject to change and are based on the term of the loan, model year of the vehicle, as well as your credit history. Your individual rate and term may vary. The rates published above are advertising the lowest rate possible on each term. Please contact a loan officer for more information. Loan example: The monthly payment of a $5,000 loan at 4.750% APR for 5 years would be $93.84.

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 a minimum payment that changes. The annual percentage rate includes only interest and no other costs.

LLCU NMLS: #412587. First mortgage purchase and refinance loans are available in most central Illinois counties.

Selected Rates current as of 9/1/2023, for approved customers.

APR* = Annual Percentage Rate 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. Rates and terms are subject to change and are based on creditworthiness.

Must become a member of Land of Lincoln Credit Union for a Line of Credit or to be a VISA® Platinum cardholder. To become a member, a $5 minimum deposit is required to open a share (savings) account.

Please review account agreement for benefits, details, and conditions.

Selected Rates current as of 9/1/2023, for approved customers.

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.

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.

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.

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.

Selected Rates current as of 9/1/2023, for approved customers.