Personal Loan Rates

Financing for nearly any purpose

A Lanco FCU personal loan or line of credit can be used for nearly any purpose and offers competitive rates and terms. Learn more about personal loans.

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Rates displayed below are accurate as of 10/12/2018 and are subject to change at any time.
APR means Annual Percentage Rate.
Credit Score refers to TransUnion Credit Score.
WSJ Prime = Wall Street Journal Prime Rate (View current WSJ Prime Rate)

Personal Loan

Limited-Time Offer

7.00% APR* Personal Loan

*To qualify for the promotional APR (Annual Percentage Rate), borrower(s) must have a credit score of 700 or higher, loan amount of $5,000.00 or greater, and loan term of 36 months or less. New money only. Refinancing of a Lanco FCU loan is not eligible for the promotional rate. Payment example: A $5,000.00 loan at 7.00% APR would require 36 monthly payments of $154.39. Offer may be changed or withdrawn at any time without notice.

Current Rates

Credit Score APR
750+ 8.99%
700 – 749 9.99%
660 – 699 11.99%
620 – 659 15.99%
Under 620 17.99%

Maximum loan amount varies between $500 and $20,000 based on borrower qualifications.

Personal Line of Credit

Credit Score Variable APR*
750+ 9.25%
700 – 749 11.25%
660 – 699 13.25%
620 – 659 17.25%
Under 620 Not offered

Maximum loan amount varies between $500 and $20,000 based on borrower qualifications.
*Variable rates based on the Wall Street Journal prime rate, plus a margin of 4–12, depending on credit score.

Tuition Reimbursement Loan

Credit Score APR
750+ 8.99%
700 – 749 9.99%
660 – 699 11.99%
620 – 659 15.99%
Under 620 17.99%

Tuition Reimbursement maximum loan amount is $5,000.

Share Secured Loan

Credit Score APR
Any score 2.01%

Loan amount equal to share pledge. Maximum term is 5 years.