LANCO Federal Credit Union The Educated Choice

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Current Rates

Credit Score refers to TransUnion Credit Score.
LTV = Loan to Value.
WSJ Prime = Wall Street Journal Prime Rate (View current WSJ Prime Rate)
Rates are subject to change at any time.

Learn about our Home Loans

Fixed Rate Home Equity Loan Rates

Credit Score Term Rate*
Up to 80% LTV
750+ 3 or 5 Years 3.99%
10 Years 5.49%
15 Years 5.99%
700 – 749 3 or 5 Years 4.99%
10 Years 6.49%
15 Years 6.99%
660 – 699 3 or 5 Years 5.99%
10 Years 7.49%
15 Years 7.99%
620 – 659 3 or 5 Years 8.99%
10 Years 10.49%
15 Years 10.99%
Under 620 3 or 5 Years 11.99%
10 Years 13.49%
15 Years 13.99%
 
Credit Score Term Rate*
81-90% LTV
750+ 3 or 5 Years 5.99%
10 Years 7.49%
15 Years 7.99%
700 – 749 3 or 5 Years 6.99%
10 Years 8.49%
15 Years 8.99%

Minimum Loan Amount = $3000

*Rates advertised above are for 2nd lien home equity loans. 1st lien home equity rates may be lower. Call LANCO at (717) 569-7180 for a rate quote.

Home Equity Line of Credit Rates

WSJ Prime = Wall Street Journal Prime Rate (View current WSJ Prime Rate)
Credit Score Rate
Up to 80% LTV
750+ WSJ Prime
700 – 749 WSJ Prime + 1%
660 – 699 WSJ Prime + 2%
620 – 659 WSJ Prime + 3%
Under 620 WSJ Prime + 4%
 
Credit Score Rate
81-90% LTV
750+ WSJ Prime + 2%
700 – 749 WSJ Prime + 3%

Maximum Loan Amount = $100,000

 
 
LANCO Federal Credit Union