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Loan Products

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.
Camper financing up to 84 months at 6.49% APR with 15% down.

General Loans

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.

Secured Loans

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 $50.00

Education Loans

Educational Loans are available with flexible terms up to 60 months, maximum line of $10,000.

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 9.90% APR
  • 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.


Loan Rates:

Effective Date: 7/31/15

Loan Type Term APR *
Auto (2010 or newer) 24 Months
(A-E Members)
36 Months
(A-E Members)
48 Months
(A-E Members)
  60 Months
(A-D Members)
  72 Months
(A-C Members)
Autos (2005-2009) and Boats, Motorcycles, RVs (2005 or newer) 24 Months
(A-E Members)
36 Months
(A-E Members)
48 Months
(A-E Members)
  60 Months
(A-D Members)
  72 Months
(A-C Members)
D&E paper limited to 48 mo term
60 Months

Education/ Computer
D&E paper limited to 48 mo term
60 Months 6.99%-13.99%
Line of Credit --- 13.25%
VISA Platinum Credit Card (A-E members) 9.90%-18.00%

*APR = Annual Percentage Rate

  • The rates quoted here are indications only; all rates are subject to change without notice.


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This credit union is federally insured by the National Credit Union Administration.
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