Selected Loan Rates

 APR as
low as

 New Auto, 3 - 5 year  1.99% APR
 Used Auto, 3 - 5 year  2.24% APR
 Home Equity Line  1.99% APR
 Fixed Home Equity, 5 year  3.84% APR
 Fixed Home Equity, 7 year  4.34% APR
 Signature  8.89% APR
 Boat & RV  4.49% APR
APR=Annual Percentage Rate  
 View All Rates



Shop America Program



Member Cellular Discounts with Sprint

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Recent News & Notes

Fall 2015 "Your Money" Newsletter

In This Issue:



Same Day Personal Loans!
Perfect Credit Not Required! 

Rates are as low as 8.89% Annual Percentage Rate
Loans are available for any purpose, including:
  • Payoff high rate cards or loans
  • Educational expenses
  • Vehicle repairs
  • Take a vacation
  • Home improvements
  • Purchase an older vehicle
You may apply for a loan by telephone or online at in less than 10-minutes. Loans are reviewed
within a few hours or by the next business morning.
Our minimum loan is only $300. Our maximum loan is $20,000.
You may sign your loan documents using any device including a smart phone with a secure e-signature.


E-Statements and Mobile Banking 

Don’t forget that eStatements and mobile banking are available. Both are free services and may be
accessed within the online banking “Self Service”, “Additional Services” tab.

The mobile banking app will be updated in October to provide an improved experience.

Our online and mobile banking service includes the immediate posting of account transfers and up to the minute account balances and transaction history. 

EMV Chip Cards


Have a LMFCU Visa Check Card?

We are working on replacing your existing check card with a new EMV chip card. New cards will start to be issued later this year. Visa EMV chip cards are a major advancement in card security technology, with an embedded microchip that stores and generates the information required to authenticate, authorize and process transactions.
EMV chip cards may be used anywhere in the world where Visa is accepted. Whether you use your EMV chip card by swiping or inserting in an EMV terminal, you still enjoy the Visa $0 liability for fraudulent transactions.

Get $20 With a New Membership


Are you a Lockheed Martin, Middle River Aircraft Systems or Maryland Air Guard employee?  Get a $20 bonus if you open a new membership and sign-up for a $40 or greater weekly payroll deduction. 

Restrictions apply. Offer expires November 30th.

Get $2 When You Sign-up For E-mail Updates!


Get the latest information on LMFCU news, new services, current promotions and other updates with our biweekly e-mail newsletter. To enroll, speak to a Member Services Representative or send a request to

Offer expires October 31st.



 Open a New Home Equity Line of Credit,
Pay Only 1.99% APR!*

  • Introductory rate of 1.99% APR* No closing costs**
  • Low minimum monthly payments (only $5.80 per $1,000 borrowed)
  • Ongoing access with convenient check writing
  • Ongoing rate as low are Prime -1/2%

A line of credit is perfect for those who need continued access to funds for any purpose over an extended period of time.

Questions? Call 800-410-0501 or visit

APR = Annual Percentage Rate. *Available for the first 4 months. **Certain restrictions apply. Ongoing minimum rate of 3.5% APR. Loan application must be received by 9/30/2015; Loan must be settled by 10/16/2015 and must be the 1st or 2nd lien on the property and must be secured by your primary residence in MD, DC, PA, DE or VA. Rates are subject to change without notice. 


Fast & Easy Auto Loans!


  • New auto rates as low as 1.99% APR* (For 2015-2016 Models)
  • Used auto rates as low as 2.24% APR*
  • 100% financing is available*
  • Finance back through the 2003 model year*
  • Get pre-approved for your loan
  • Use Autodraft to create your loan at the dealer*
  • Extended warranties with no deductible!
  • Refinance, private party, and lease buyout loans available
Apply for a loan in as little as 15 minutes:
> Online by visiting
> By telephone weekdays 9 am to 6 pm EST (Fridays until 7 pm)
> In person with an experienced loan specialist

Approvals are given within a few hours or by the next business morning.

Sign your loan documents using a secure e-signature. Funds are disbursed by Federal Express no charge. 

* Restrictions apply. Rates quoted assume a 5-year term and a credit score of 730+.
APR = Annual Percentage Rate


Credit Union Road Pal




We offer the Credit Union Road Pal, a roadside assistance program exclusively for Credit Union members. A wide range of roadside assistance services and other travel related benefits, similar to AAA, are available, but at a discounted cost. For additional information or to enroll visit the Vehicle Information page at or contact a Credit Union Loan Specialist.

Credit Union Member Discounts

Credit Union members receive substantial discounts on Sprint service, including discounts on phones and plans. Unhappy with Verizon or AT&T? Significant contract buyout offers are available. Visit and click on the Sprint link in the right column.


Discounted Theme Park, Maryland Zoo and Aquarium Tickets


We have 2015 discounted tickets available for:
  • Hershey Park
  • Dutch Wonderland
  • Six Flags
  • King’s Dominion
  • Maryland Zoo
  • Baltimore Aquarium
For detailed pricing call 800-410-0501 or visit




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& LM Federal Credit Union

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