Rates as of 12/8/2024

New Vehicle Loans* - To purchase (2023, 2024 or 2025 auto or truck with less than 25,000 miles)

Term	Rate/APR** as low as	Monthly Payment Per $1,000
Up to 48 months	4.74% (0% down)	$23.02
49 to 60 months	4.99% (0% down)	$18.98
61 to 72 months	5.24% (0% down)	$16.33
73 to 84 months	5.74% (0% down)	$14.60

Additional New Vehicle Loan I​nformation

*Rates include a 1/4% automatic repayment discount and a online application discount of 0.10%  Rates, down payment and terms will depend on past credit history. Refinances of new vehicle loans are also eligible for the above rates
(maximum mileage 25,000, otherwise financed as a used vehicle, other restrictions apply). Minimum rate 4.74%. 

Used Vehicle Loans* - To purchase (from a dealer or private party) or refinance a vehicle (2019-2022) model year

Term	Rate/APR as low as	Monthly Payment Per $1,000
Up to 48 months	4.99% (0% down)	$23.14
49 to 60 months	5.24% (0% down)	$19.10
61 to 72 months	5.49% (0% down)	$16.45

Additional Used Vehicle Loan Information

*Rates include a 1/4% automatic repayment discount and a online application discount of 0.10%  Rates, down payment and terms will depend on past credit history. The minimum rate for model years 2019 to 2020 as well as 2022 and 2024 models with more than 25,000 miles is 4.99%.  

Used Vehicle Loans* (2016 - 2018)
(purchase or refinance)

Term	Rate/APR as low as	Monthly Payment Per $1,000
Up to 48 months	5.99% (0% down)	$23.60
49 to 60 months	6.24% (0% down)	$19.56
61 to 72 months	6.49% (0% down)	$16.92

*Rates include a 1/4% automatic repayment discount and a online application discount of 0.10%  Rates, down payment and terms will depend on past credit history. The minimum rate for model years 2016 thru 2018 is 5.99%.

Used Vehicle Loans* (2012 - 2015)
(purchase or refinance)

Term	Rate/APR as low as	Monthly Payment Per $1,000
Up to 48 months	6.74% (0% down)	$23.94
49 to 54 months	7.24% (0% down)	$20.03

*Rates include a 1/4% automatic repayment discount and a online application discount of 0.10%  Rates, down payment and terms will depend on past credit history. The minimum rate for model years 2012 thru 2015 is 6.74%. **APR = Annual Percentage Rate

Rates as of 12/8/2024

Home Equity Credit Line - A variable rate credit line secured by your primary residence in MD, PA, VA, DE, NJ or DC.

Line of Credit Limit	Up to 80% Loan to Value	Up to 85% Loan to Value
$25,000 to $300,000	Prime minus ½% (currently 7.50%)	Prime minus 0% (currently 8.00%)
$5,000 to $24,999	Prime minus 0% (currently 8.00%)	Prime plus ½% (currently 8.50%)

Introductory rate of 3.99% for 12-months after opening (if $10,000+ initial advance).

Additional Home Equity Credit Line Information

Maximum line of $300,000. Interest rate based on the Wall Street Journal Prime( currently 8.00%). Introductory rate of 3.99% for 12-months after opening (if $10,000+ initial advance). Ongoing rates are subject to a 3.0% APR lifetime floor rate after the expiration of the introductory rate. Available in MD,DC,VA,PA,DE & NJ.

Fixed Rate Home Equity Loans (2nd Mortgage) - A fixed rate installment loan secured by your primary residence.

Term	Up to 80% Loan to Value	Up to 85% Loan to Value
Up to 5 years, as low as	5.24%	5.74%
Up to 7 years, as low as	5.49%	5.99%
Up to 10 years, as low as	5.74%	6.24%
Up to 15 years, as low as	6.24%	6.74%

Additional Fixed Rate Home Equity Loan Information

Available in MD,DC,VA,PA,DE & NJ.  Maximum loan is $250,000 (maximum based on credit score).

Rates as of 12/8/2024

Personal & Home Improvement Loans*
A fixed rate unsecured loan.

Term	Rate/APR** as low as	Monthly Payment Per $1,000
Repayment term is based on the loan amount. Call for details.	8.49%	Call for payment quote.
Minimum loan of $300, maximum loan of $25,000.

Additional Personal & Home ​Improvement Loan Information

* Minimum loan of $300, maximum loan of $25,000.

Redi Line Checking Overdraft Loan - An overdraft line of
credit tied to your LM Federal checking account.

Loan Amount	Rate/APR as low as	Monthly Payment Per $1,000
Credit limits up to $5,000 are available.	15.9%	4% of balance

Additional Redi Line Checking Overdraft Lo​an Information

Visa Platinum Credit Card

Term	Rate/APR as low as	Monthly Payment Per $1,000
Without Rewards Program, rates as low as Prime Plus 5.9%, currently 13.90% APR	13.90%	2% of balance
With Rewards Program, rates as low as Prime Plus 7.9%, currently 15.90% APR	15.90%	2% of balance
New card holders: 6 Month introductory rate for balance transfers and purchases completed by December 7, 2024	1.99%	2% of balance

Additional Credit Card Informatio​n

* Rates assume a FICO score of 730 or greater. Maximum credit limit of $20,000.  No annual fees or over the credit limit fees. **APR = Annual Percentage Rate

Rates as of 12/8/2024

Boat Loans* - To purchase or refinance a new or used boat or personal watercraft.

Term	Rate/APR** as low as	Monthly Payment Per $1,000
Up to 6 years	4.49% (Loans $25,000 - $100,000)	$15.87
	5.24% (Loans $15,000 - $24,999)	$16.22
	5.74% (Under $15,000)	$16.45
Up to 10 years	4.49% (Loans $25,000 - $100,000)	$10.36
	5.74% (Loans $15,000 - $24,999)	$10.97
	6.24% (Under $15,000)	$11.22
Up to 15 years	4.74% (Loans $25,000 - $100,000)	$10.48

Addi​tional Boat Loan Information

*1/4% discount available if member elects 5-year balloon payment (minimum loan of $25,000). Terms up to 15 years are available (depends on value). Rate 1/4% lower if 30% down. Rate 1/4% higher if less than 20% down. Maximum loan available is $100,000.00. Minimum rate 4.49%. 

Recreational Vehicle Loans* - To purchase or refinance a new or used motor home, travel trailer or camper.

Term	Rate/APR as low as	Monthly Payment Per $1,000
Up to 6 years	4.49% (Loans $25,000 - $100,000)	$15.87
	5.24% (Loans $15,000 - $24,999)	$16.22
	5.74% (Under $15,000)	$16.45
Up to 10 years	4.49% (Loans $25,000 - $100,000)	$10.36
	5.74% (Loans $15,000 - $24,999)	$10.97
	6.24% (Under $15,000)	$11.22
Up to 15 years	4.74% (Loans $25,000 - $100,000)	$10.48

Additional Recreational Vehicle Loan Information

* 1/4% discount available if member elects 5-year balloon payment (minimum loan of $25,000), Terms up to 15 years are available (depends on value). Rate 1/4% lower if 30% down. Rate 1/4% higher if less than 20% down. Maximum loan available is $100,000.00. Minimum rate 4.49%.

Motorcycle Loans* - To purchase or refinance a new or used motorcycle (up to 10 years old).

Term	Rate/APR as low as	Monthly Payment Per $1,000
4 years (48 months)	4.49%	$22.80
5 years (66 months)	4.74%	$17.00

Additional Motorcycle Loan Information

* Assuming 20% down and automatic repayment; used rates 1/2% higher.  Other rates may apply depending on term, down payment and automatic repayment.

Share & Certificate Loans - Borrow against your share/savings or a regular certificate account (excluding IRA’s*).

Term	Rate/APR as low as	Monthly Payment Per $1,000
Share Loans	3.75%	Call for payment quote.
Certificate Loans	Current certificate rate plus 2.50%	Call for payment quote.

Additional Share & Certificate Loan Information

** APR = Annual Percentage Rate   IRA = Individual Retirement Account