Firestone Lake Charles FCU works hard to be your financial institution of choice. We offer competitive rates on loans and deposits. Click on the links below to see a list of our current rates:
Rates subject to change. There may be lag time between rate changes. Firestone Lake Charles Federal Credit Union is not responsible for any unauthorized changes to the rates listed on this website.
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Loan Rates
Review Date: July - 2010
NOTE: All loans are subject to proper credit qualifications.
Deposit Rates
| Signature Loans |
| Amount Financed |
APR* |
Term |
| Up to $10,000.00 |
9.50 - 14.50% |
48 Months |
| *APR = Annual Percentage Rate |
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| Open End Loans |
| Amount Financed |
APR* |
Term |
| Up to $10,000.00 |
9.50 - 14.50% |
Up to 47 months,
Line of Credit
|
| *APR = Annual Percentage Rate |
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Amount Financed |
APR* |
| 90 Day Note |
Up to $10,000.00 |
10.00 -15.00% |
| *APR = Annual Percentage Rate |
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APR* |
Term |
| Shares Secured |
4.25% |
Up to 48 months |
| *APR = Annual Percentage Rate |
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| Auto Loans |
|
New Autos-Eff 7/1 /2010
(90% of retail plus TT&L)
|
| APR* |
Term |
| 5.75 - 8.00% |
60 months |
| 6.00 - 8.25% |
72 months |
| 6.25 - 8.50% |
84 months |
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| Program Cars |
| From dealers only. Max 25,000 miles or 24 months old. Financed same as new auto. |
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Used Autos
(Finance NADA retail value or selling price, whichever is less, plus TT&L)
|
| Age of Car |
APR* |
Term |
| 1-3 years |
5.75-8.25% |
60 months |
| 4-5 years |
6.25- 8.75% |
48 months |
| 6-8 years |
7.25 - 9.75% |
36 months |
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| *APR = Annual Percentage Rate |
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Motorcycles
(New and street legal only)
|
| Amount Financed |
APR* |
Term |
|
Up to $15,000
(100% financing plus TT&L)
|
6.25-8.50% |
60 months |
|
$15,001 - 25,000
(90% of selling price plus TT&L)
|
6.25-8.50% |
72 months |
| *APR = Annual Percentage Rate |
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New Boats, Motors & Trailers
(Need worksheet)
(NOTE: No boat over 6 years old will be financed. Insurance must be maintained. May be asked to bring to credit union for inspection.)
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| Amount Financed |
APR* |
Term |
|
Up to $30,000
(100% financing plus TT&L)
|
7.00-9.25% |
60 months |
| *APR = Annual Percentage Rate |
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Used Boats, Motors & Trailers
(NOTE: No boat over 6 years old will be financed. Insurance must be maintained. May be asked to bring to credit union for inspection.)
|
|
Amount Financed
75% of selling price as follows:
|
APR* |
Term |
| $2,000 - $2,999 |
8.00 - 10.25% |
24 months |
| $3,000 - $6,999 |
8.00 -10.25% |
30 months |
| $7,000 - $8,999 |
8.00 - 10.25% |
36 months |
| *APR = Annual Percentage Rate |
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Real Estate
(Property in LA only. First mortgage only. Must use credit union approved appraiser and attorney. Survey required. Borrower pays for all charges on real estate loan.)
|
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Amount Financed
|
APR* |
Term |
|
Up to $35,000
(80% of appraisal value)
|
7.50-9.50% |
120 months |
| *APR = Annual Percentage Rate |
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New Recreational Vehicles
(Four wheelers, wave runners, ski-do, snow mobiles, or similar vehicles)
|
|
Amount Financed
|
APR* |
Term |
|
Up to $8,000
(100% of selling price plus TT&L)
|
7.00-9.00% |
60 months |
| *APR = Annual Percentage Rate |
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New Recreational Motor Homes & Camping Trailers
|
|
Amount Financed
90% of list price plus TT&L as follows:
|
APR* |
Term |
| Under $20,000 |
7.00 - 9.00% |
72 months |
| Under $30,000 |
7.00 - 9.00% |
84 months |
| $30,000 - $65,000 |
7.00 - 9.00% |
96 months |
| *APR = Annual Percentage Rate |
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Used Recreational Motor Homes & Camping Trailers
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| Finance up to 90% of selling price plus TT&L at 7.50-9.50% annual percentage rate for up to 72 months. Written appraisal from authorized dealer must be furnished and may require credit union to inspect. |
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New Farm & Lawn Equipment
(Must have dealer worksheet)
|
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Amount Financed
|
APR* |
Term |
|
Up to $25,000
(Finance 100%)
|
7.00 - 9.00% |
60 months |
| *APR = Annual Percentage Rate |
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Used Farm Equipment
(NOTE: Need dealer's written appraisal. No equipment over 6 years old.)
|
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Amount Financed
80% of appraised value as follows:
|
APR* |
Term |
| $2,000 - $2,999 |
7.50-9.50% |
24 months |
| $3,000 - $6,999 |
7.50-9.50% |
30 months |
| $7,000 - $8,999 |
7.50-9.50% |
36 months |
| *APR = Annual Percentage Rate |
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Household Furnishings
(NOTE: New only. Must bring in sales receipt to credit union.)
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Amount Financed
|
APR* |
Term |
| Up to $10,000 |
6.00 - 8.50% |
48 months |
| *APR = Annual Percentage Rate |
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Deposit Rates
| Regular Savings |
.25% APY* as of the 2ndquarter 2010. This is the dividend paid. |
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The Board decides each quarter what amount of dividend is to be paid. |
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APY = Annual Percentage Yield
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Term Shares (Share Certificate)
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- EFFECTIVE 09-01-2010
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- $1,000 min. - 6 months - .50% APR*
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- $1,000 min. - 1 year - .50% APR*
NOTE: Rate determined by Board of Directors as needed.
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