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  


Member Cellular Discounts with Sprint

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Recent News & Notes

Summer 2014 "Your Money" Newsletter

Printer Friendly Version:   Summer 2014 "Your Money"

In This Issue:

Get a Free Ravens or Orioles Gift...
Need a Loan? With LMFCU its Easy!
Electronic Signatures For Loans!
The Credit Union Difference





Get a Free Ravens or Orioles
Gift When You...

Sign up for:
New Membership (Share Account)
New Checking Account ($25 Cash!)
New Loan $5,000 and up
And recieve a gift valued up to $30!

Reward: Free gift provided (may receive up to three (3) gifts per member during the promotion period). In lieu of the gift the member may take a $20 Visa gift card.
Example: A new member opens a membership and a qualifying loan for $25,000.The member can choose two (2) gifts.

Who’s Eligible? Anyone age 18 or over who has not had a membership in the last 3 months. Checking
account* and loan* promotions are available for members with existing share and loan accounts.
Membership Account Restrictions: Payroll deduction with minimum deposit of $100 monthly. Existing LMFCU joint account owners not eligible.

Checking Account Restrictions: Direct deposit of net payroll and a Visa Check Card are required. Existing LMFCU checking account joint owners not eligible. Minimum direct deposit of $500 monthly. Must perform minimum of 6 Visa point of sale purchases within 60-days of opening. Checking and Visa Check Card are subject to approval. Gift will be provided when the direct deposit is confirmed. Value of gift will be subtracted from account if account is closed within 90 days of opening or if the 6 Visa point of sale purchases have not been completed within 60-days of opening. *Not valid for multiple checking accounts under one share account. Gift offer limited to one checking and one new membership per member (no limit on loans).Loan Restrictions: Minimum loan of $5,000 required. *Minimum “cash-out” for refinances of $5,000 required.



                      Need a Loan? With LMFCU The Process is Easy!

                                        How To Apply: Online at
                                   By phone or in-person in 10 to 15 minutes

                                            The Process Is Easy!

• Our telephone hours are 9 am to 6pm (until 7pm on Fridays)
• Approvals are given within 2 hours or by the next business morning.
• Sign your loan documents in-person or by E-Signature.
• Need a vehicle? Visit Autosmart within to Research, Shop,
  and Buy your new or used vehicle.
• Credit pre-approvals are available for vehicle shoppers, eliminating the
  hassle of arranging last minute financing.
• Loans are available for the purchase and refinancing of autos, trucks,
  boats, RV’s and motorcycles.
• Home equity loans and lines of credit of up to $200,000 are available.
• Personal loans of up to $20,000 are available.

Questions? Call (800) 410-0501, visit or visit the Credit Union office



                                       Fast Loans With E-Signatures!


We will offer e-signatures for new loans starting in mid-May. If you are unable to visit the
Credit Union office you will receive an electronic copy of your documents by secure e-mail,
sign electronically and you’re done! Your loan can be disbursed upon receipt of your
electronic documents. You can complete your documents using any pc or other device,including a smart phone



At LM Federal we go the extra mile to make sure you have the best service available! Here are some examples:

» Someone stops in to cash a large member check - we call the member to be sure he
authorized the check before cashing it.
» A member who typically doesn’t overdraft their checking account has an overdraft -
we call to give the member an opportunity to deposit or transfer funds to cover the item.
» A member applies for a checking account - we recommend they refinance their auto
loan, reducing the monthly payment and saving hundreds or thousands of dollars in
loan interest.











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©2005 Membership Marketing Support Services
& LM Federal Credit Union

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