LANCO Federal Credit Union

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Current Rates

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

Learn about our Home Loans

Fixed Rate Home Equity Loan Rates

Credit Score Term Rate*
Up to 80% LTV
720+ 3 or 5 Years 4.99%
10 or 15 Years 5.99%
680-719 3 or 5 Years 5.99%
10 or 15 Years 6.99%
640-679 3 or 5 Years 6.99%
10 or 15 Years 7.99%
620-639 3 or 5 Years 9.99%
10 or 15 Years 10.99%
Under 620 3 or 5 Years 12.99%
10 or 15 Years 13.99%
 
Credit Score Term Rate
81-90% LTV
720+ 3 or 5 Years 6.99%
10 or 15 Years 7.99%
680-719 3 or 5 Years 7.99%
10 or 15 Years 8.99%

Home Equity Line of Credit Rates

Credit Score APR
Up to 80% LTV
720+ Prime
680-719 Prime + 1%
640-679 Prime + 2%
620-639 Prime + 3%
Under 620 Prime + 4%
 
Credit Score APR
81-90% LTV
720+ Prime + 2%
680-719 Prime + 3%

 

 
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