Rates are effective as of October 16, 2025. All rates are subject to change at any time without notice. Membership eligibility required.
There is a $3.00 Application Fee for all loans, unless otherwise noted.
New / Used Auto Loans
|
Model Year |
Term |
APR |
|
2026 - 2022 |
60 |
as low as 4.74% |
|
|
72 |
as low as 5.24% |
|
|
84 |
as low as 5.74% |
|
2021 - 2020 |
60 |
as low as 4.74% |
|
2019 & Older |
60 |
as low as 5.24% |
-
Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
-
100% financing available for qualified vehicles.
-
Used Vehicle rates are based on J.D. Power book value
-
84 Month Term for qualified vehicles and borrowers only
-
All rates are subject to change without notice.
|
New / Used Motorcycle Loans
|
Model Year |
Term |
APR |
|
2026 - 2022 |
60 |
as low as 5.74% |
|
|
72 |
as low as 6.24% |
|
2021 - 2020 |
60 |
as low as 6.24% |
|
2019 & Older |
60 |
as low as 6.74% |
-
Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
-
Used Vehicle rates are based on J.D. Power book value
-
100% financing available for qualified vehicles.
-
All rates are subject to change without notice.
|
Large Recreational Vehicle Loans
|
Model Year |
Term |
APR |
|
2026 - 2020 |
120 |
as low as 6.99% |
|
|
180 |
as low as 7.24% |
|
2019 & Older |
72 |
as low as 7.49% |
|
|
120 |
as low as 7.74% |
-
Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
-
100% financing available for qualified Vehicles
-
Used Vehicle rates are based on J.D. Power book value
-
All rates are subject to change without notice.
|
Small Recreational Vehicles
|
Model Year |
Term |
APR |
|
2026 - 2020 |
60 |
7.99% |
|
2019 & Older |
60 |
8.49% |
-
Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
-
100% financing available for qualified Vehicles
-
90% financing available for qualified Small Recreational Vehicles (ie: ATVs, Dirt Bikes, Personal Watercraft, Snowmobiles).
-
Used Vehicle rates are based on J.D. Power book value
-
All rates are subject to change without notice.
|
Signature Loans
|
Maximum Limits |
Term |
APR |
|
|
12 |
as low as 8.50% |
|
|
24 |
as low as 9.50% |
|
|
36 |
as low as 10.50% |
-
Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
-
Individual borrower limits subject to approval.
-
Longer terms available for qualified borrowers.
-
$10,000 Maximum Loan Limit for qualified borrowers.
-
All rates are subject to change without notice.
|
Educational Loans
|
Maximum Limit |
Term |
APR |
|
|
48 |
as low as 6.50% |
-
Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
-
Individual borrower limits subject to approval.
-
Longer terms available for qualified borrowers.
-
$10,000 Maximum Loan Limit for qualified borrowers.
-
All rates are subject to change without notice.
|
Share/Certificate Secured Loans
|
Maximum Limit |
Term |
APR |
|
|
60 |
Dividend Rate +2.50% |
-
New Loans receive a 1.00% rate reduction for loan repayment using Automatic Payroll Deduction or Automatic Monthly Transfer from a Leominster Employees FCU account.
-
Maximum Loan Limit is 95% of Security Account Balance.
-
This is a variable rate loan.
|
Overdraft Line of Credit
|
Maximum Limit |
Term |
APR |
|
|
12 |
14.50% |
-
Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
-
$2,000 Maximum Credit Limit
-
All rates are subject to change without notice.
|
Fixed Rate Home Equity Loans
|
Maximum Limit |
Term |
APR |
|
80% LTV |
60 |
as low as 5.49% |
|
80% LTV |
120 |
as low as 5.99% |
|
80% LTV |
180 |
as low as 6.49% |
-
Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit worthiness and ability to repay.
-
Borrow $10,000 to $75,000 based on 80% Loan to Value of your house.
-
All rates are subject to change without notice.
-
We are an Equal Housing Lender.
|