Auto, Truck, Recreational Vehicles and Boats
Loans are available on both new and used vehicles (model years
2005-2015) with fixed-rates and terms up to 72 months on new and late-model vehicles.
100% financing for A+, A & B credit scores on both new and used, plus tax and title. Educational Loans are available with flexible terms up to 60 months, maximum line of $10,000.
These loans can be used for a wide range of purposes from a vacation getaway to a household appliance. We offer flexible terms ranging from
12 to 60 months with loan amounts from
$500 to $10,000.
A secured loan is a loan in which your savings are used as collateral for the loan. These loans are offered at a very competitive rate. The secured loan can also be one of the least expensive ways to borrow. It is also a great loan to establish or rebuild your credit rating. Loan amounts available up to your available savings balance. Terms are available up to
60 months with a minimum monthly payment of
Educational Loans are available with flexible terms up to
60 months, maximum line of
Checking Account Line of Credit
Use our loan application to apply for a Line of Credit and enjoy the protection against overdrafts on your checking account. As needed, advances on the loan are made in $50.00 increments. The interest rate is
13.25% APR and monthly payments vary depending on loan balances.
Three times for the life of the loan, members in good standing with no delinquent loans may choose to skip a loan payment. A
$30 fee per loan skipped. Offer applies to all loan types except credit cards, revolving loans which include Line of Credit, Home Equity and Mortgages. Interest will continue to accrue on the outstanding balance which may cause the maturity date on the loan to be extended. Request must be received and approved at least 10 days prior to the loan payment due date and signed by all borrowers. TO SKIP YOUR LOAN PAYMENT PLEASE GIVE US A CALL AT (607) 547-5700 EXT 115 OR 111.
VISA Platinum Credit Card
The LCU VISA Credit Card may be used anywhere VISA Credit Card is accepted, and it provides these benefits to our members:
Platinum rates as low as
No annual fee
24 hour toll-free telephone access to credit card information at 800- 872-1712
Low non-variable interest rates
No cash advance fees
25 day grace period
- Don’t forget to sign up for Verified by VISA by clicking on the logo on the right
Student VISA Credit Card
Student Visa Credit Card with a maximum line of credit
$1000, rates as low as
9.90% APR. You must be at least 18 years of age and eligible for membership.
ASK US ABOUT OUR BALANCE TRANSFER RATE OF AS LOW AS
*APR = Annual Percentage Rate
- The rates quoted here are indications only; all rates are subject to change without notice.