Selected Loan Rates

 APR as
low as

 New Auto, 3 - 5 year  1.74% APR
 Used Auto, 3 - 5 year  1.99% APR
 Home Equity Line  2.49% APR
 Fixed Home Equity, 5 year  3.84% APR
 Fixed Home Equity, 7 year  4.34% APR
 Signature  8.74% APR
 Boat & RV  4.49% APR
APR=Annual Percentage Rate  
 View All Rates  


Member Cellular Discounts with Sprint

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Recent News & Notes 

Printer Friendly Version:   Spring 2014 "Your Money"

In This Issue:

Home Equity Loans!
April is Credit Union Youth Month!
Great Rates and Fast Approvals!
2014 Annual Membership Meeting April 29th
Refer a Co-Worker!





                           I Need To:

  • Reduce My Home Equity Loan Rate or Payment
  • Perform Home Improvements or Upgrades
  • Consolidate Bills or Lower My Payments


Open a new Home Equity Line and get a $100 Visa gift card!
Take advantage before rates go up!!

Home Equity Lines:                                                     Fixed Rate Home Equity Loans:
Introductory rate of 1.99% APR*,                                 
Rates as low as
no closing costs**, low minumum                               3.84% APR (5-Years)
monthly payments of only $5.80 per                           4.34% APR (7-Years)
$1,000 borrowed.                                                        5.39% APR (10-years)
                                                                                   No closng costs**
A line of credit is perfect for those who need                    There are no points or application fees. Fixed Rate 
continued access to funds for any purpose                      Home Equity loans are ideal for bill consolidations,
over an extended period of time. Ongoing                        refinances, and home improvements. The rate and
rates are as low as Prime minus 3/4%.                           payment never change.
There are no application fees or closing
costs (subject to restrictions*). The ongoing
minimum rate is only 3.5% APR

Apply for a loan in as little as 15 minutes:
• Online by visiting
• By phone: weekdays 9 am - 6 pm EST (Fridays until 7 pm)
• In person with an experienced loan specialist

The Process is Simple!
Applications are reviewed within one day. Your home appraisal is then ordered (if required); results are received in less than a week. Settlements are held at the Credit Union office, by meeting our mobile settlement officer, or at the office of a title company in your area.

APR = Annual Percentage Rate.

*Available for the first 6 months. **Certain restrictions apply. Loan application must be received by 6/30/2014. Loan 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. Minimum line of $25,000 required to qualify for the Visa gift card.




 Are You Saving For Your Children's Future? April is Credit Union Youth Month!

We are offering the following promotions, games and gifts to teach children how to save! 

New Minor accounts:

  • $5 Matching cash deposit
  • Guess at the coin jar
  • Free use of the coin machine
  • Free child ID kit
  • Chance to win $25 gift card

Existing Minor Accounts:

  • Guess at the coin jar
  • Free use of the coin machine
  • Free child ID kit
  • Chance to win $25 gift card

 $10 Bonus on Coverdell Educational Savings Accounts: Open a new Coverdell Savings Account during the month of April and we'll also make a $10 matching contribution! You will also be entered in a drawing for a $25 gift card.


Coin Jar Guess: The best "Jar Guess" there is, because you could win the money inside! Get a chance to guess how much is in the coin jar when you open a new account for a minor or make a $5 deposit to an existing minor account. *Winner will be announced on May 2nd

   -Visit the office from April 14th-18th and show your style when you join us for creating/decorating your own surfboard all week.  We will have coloring pages from the Orioles and Ravens.  Join in the excitement of our prize wheel with many summer related prizes!!  New minor accounts and existing minor accounts get the chance to guess the amount of money in the coin jar, the closest one without going over wins the money in the jar!!  Join us on Thursday and Friday for cookies!     

*Certain restrictions apply. Promotion ends 4/30/2014. Drawings will be held 5/02/2014




Great Rates & Fast Approvals on Auto, Truck, Boat, RV & Motorcycle Loans

   Auto/Truck Rates: 2013 & 2014 Models: As low as 1.74% APR*
   2012 & Older Models: As low as 1.99% APR*
   Boat & RV rates as low as 4.49% APR*
   Motorcycle rates are as low as 5.74% APR*

No Down Payment Required!* Refinance Loans Available!
Visit and click on the Autosmart link to research, shop and buy your vehicle!
Apply for a credit pre-approval by phone or online at
Approvals are given within an hour or by the business morning!
Use our Autodraft to complete your purchase at the dealer*
Loans disbursed through FedEx© no-charge!

Questions? Call (800) 410-0501 or visit

*APR = Annual Percentage Rate. Credit and other restrictions apply. Call or visit for details. FedEx is a copyright of the Federal Express Corporation.





Be sure to attend LM Federal’s upcoming Annual Meeting and Dinner to be held on Tuesday, April 29th at 5:15 p.m. The meeting and a light buffet will be held on the first floor of “E” building at the Middle River facility (use the Eastern Boulevard entrance – call for directions if needed). You’ll hear about the state of the Credit Union, get updates from the Board of Directors, and hear reports from the Credit and Supervisory Committees. Several drawings for cash prizes and gift certificates will be held. Members are encouraged to ask questions, make comments, and suggestions regarding the Credit Union. Unlike a bank, here’s your chance to express your opinion as to how your financial institution should operate. Please plan to attend!



         Spread the Word! Refer a Coworker for LMFCU Membership, Get $10! 

Get a $10 Bonus* if you get a co-worker at Lockheed Martin, MRAS or the MD Air Guard to sign-up for Credit Union Membership. The co-worker must enroll for a minimum weekly payroll deduction of $25.

They will also receive a $10 new member bonus.

Other restrictions appl. New memberships may be setup by telephone or by visiting the Credit Union ffice. You can also download a form from

*Excludes minor's accounts, existing members, business accounts and existing joint owners. New accounts must have weekly payroll deduction of at least $25. $10 will be deducted from account if closed within 90 days of opening. Promotion ends June 30, 2014.







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©2005 Membership Marketing Support Services
& LM Federal Credit Union

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