Rates

  • Loan Rates
    Loan Type APR*
    Share Secured  
    0-36 Months 3.75%
    37-60 Months 4.75%
    61-120 Month 5.75%
    Personal Loans As low as 8.99%**
    New Vehicles As low as 3.29%**
    Used Vehicles As low as 3.29%**
    Boat Loans As low as 5.49%**
    Motor Homes As low as 5.49%**
    Motorcycles As low as 5.49%**
    First Mortgages*** As low as 4.75%**
    Second Mortgages*** As low as 4.75%**
    Cash Reserve: Approved Line Size  
    $500 - $1499 Prime Plus 6% Adjusted Quarterly 10.75%
    $1500 - $2999 Prime Plus 5% Adjusted Quarterly 9.75%
    $3000 - $5000 Prime Plus 4% Adjusted Quarterly 8.75%
    Visa Credit Card As low as 12.90%**


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    *APR is Annual Percentage Rate. The rate may vary depending on each individual’s credit history and underwriting factors. These rates are accurate as of 11/5/2019. All Credit Union loan programs, rates, terms, and conditions are subject to change at any time without notice.

    ** The as low as rates noted above are the lowest rates we have available to our members. Your actual rate may be higher based on your credit history and other factors.

    *** Subject to Change Quarterly

    Please contact Latitude32™ Credit Union at (843) 556-4809 for additional information about applicable fees and terms.

  • Flex Certificates Rates
     Type  Minimum Deposit Rate APY*
    24 Month Adult Flex Certificate $250 1.19% 1.20%
    24 Month Youth Flex Certificate $100 1.19% 1.20%


    *APY (Annual Percentage Yield) is the yearly dividend rate and is based on dividends remaining on deposit until maturity. Fees and withdrawals may reduce earnings. Penalties apply for early withdrawals. Please contact Latitude32™ Credit Union for applicable fees and terms. Dividends are paid quarterly on Share Savings, Club and IRA Savings accounts and are paid monthly for Share Certificates, Flex, and IRA Certificates. Rates are effective as of 11/5/2019 and are subject to change without notice.

  • Share & IRA Certificates
    Term Minimum Deposit Rate APY*
    1 Year IRA Certificate $500 1.00% 1.00%
    2 Year IRA Certificate $500 1.34% 1.35%
    3 Year IRA Certificate $500 1.49% 1.50%
    3 Month Certificate $500 0.45% 0.45%
    6 Month Certificate $500 0.65% 0.65%
    1 Year Certificate $500  1.00% 1.00%
    1 Year Certificate JUMBO $50,000 1.14% 1.15%
    2 Year Certificate $500 1.34% 1.35%
    2 Year Certificate JUMBO $50,000 1.49% 1.50%
    2.5 Year Certificate $500 1.39% 1.40%
    3 Year Certificate $500 1.49% 1.50%
    3 Year Certificate JUMBO $50,000 1.64% 1.65%
    4 Year Share Certificate $500 1.69% 1.70%
    4 Year Share Certificate JUMBO $50,000  1.83% 1.85%
    5 Year Share Certificate $500 1.98% 2.00%
    5 Year Share Certificate JUMBO $50,000 2.13% 2.15%

    *IRA Certificate not available in 4 and 5-year terms
    (Jumbo Rates Applicable on IRA Certificates)

         


    *APY (Annual Percentage Yield) is the yearly dividend rate and is based on dividends remaining on deposit until maturity. Fees and withdrawals may reduce earnings. Penalties apply for early withdrawals. Please contact Latitude32™ Credit Union for applicable fees and terms. Dividends are paid quarterly on Share Savings, Club and IRA Savings accounts and are paid monthly for Share Certificates, Flex and IRA Certificates. Rates are effective as of 11/5/2019 and are subject to change without notice.

  • Savings Rates
    Type Minimum Deposit Rate APY*
    Share Savings $25 0.047% 0.05%
    Club Account $5 0.10% 0.10%
    Individual Retirement Share Accounts None 0.25% 0.25%


    *APY (Annual Percentage Yield) is the yearly dividend rate and is based on dividends remaining on deposit until maturity. Fees and withdrawals may reduce earnings. Penalties apply for early withdrawals. Please contact Latitude32™ Credit Union for applicable fees and terms. Dividends are paid quarterly on Share Savings, Club and IRA Savings accounts and are paid monthly for Share Certificates, Flex, and IRA Certificates. Rates are effective as of 11/5/2019 and are subject to change without notice.