Loan Rates

Rates are effective as of January 25, 2017.  All rates are subject to change daily.

There is a $3.00 Application Fee for all loans, unless otherwise noted.

New / Used Auto Loans
Model Year Term APR
2017 - 2014 60 as low as 1.99%
  72 as low as 2.49%
2013 - 2012 60 as low as 2.99%
2011 & Older 60 as low as 3.99%
  • Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification. 
  • 100% financing available for qualified vehicles.
  • Used Vehicle rates are based on N.A.D.A book value
  • All rates are subject to change without notice.
New / Used Motorcycle Loans
Model Year Term APR
2017 - 2014 60 as low as 3.49%
2013 - 2012 60 as low as 4.49%
2011 & Older 60 as low as 5.99%
  • Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification. 
  • Used Vehicle rates are based on N.A.D.A book value
  • 100% financing available for qualified vehicles. 
  • All rates are subject to change without notice.
Recreational Vehicle Loans
New and Used Term APR
Large RVs 60 as low as 6.50%
Large RVs 120 as low as 7.25%
Small RVs 48 as low as 8.25%
  • Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification.
  • 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 N.A.D.A book value
  • Longer terms available for qualified vehicles and borrowers.
  • 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 score, length of employment and ability to pay for qualification.
  • 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 score, length of employment and ability to pay for qualification. 
  • 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 score, length of employment and ability to pay for qualification. 
  • $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 3.75%
80% LTV 120 as low as 4.25%
80% LTV 180 as low as 4.75%
  • Annual Percentage Rate (APR) quoted include a 1.00% discount for automatic monthly payment, and are the lowest available based on credit score, length of employment and ability to pay for qualification.
  • 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.