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

Summer 2015 "Your Money" Newsletter

In This Issue:

Tired Of Paying Bank Checking Fees?
Switching Your Account To LMFCU Is Easy!!


  • Get a cash reward of up to $100 with Regular or Interest Checking*.
  • Up to 12 free foreign ATM withdrawals per month.
  • Free checking is available with no minimum balance required.
  • Online & Mobile Banking and Internet Bill Pay are free!**
  • Open an account by telephone. See our switch kit at
Questions? Call 800-410-0501 or visit
*Regular & Interest Checking have minimum balance requirements. Direct deposit, eStatements and minimum Visa Check card usage required. Checking and Visa Check card subject to approval. Other restrictions apply. Offer expires August 31st, 2015. **Internet Bill Pay usage requirement applies.



Fast & Easy Auto Loans!


  • New auto rates as low as 1.99% APR* (For 2014-2015 Models)
  • Used auto rates as low as 2.24% APR*
  • 100% financing is available*
  • Finance back through the 2002 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

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



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



Need a Fast Personal Loan?


Need to pay for your vacation, payoff a high rate credit card, fix up your vehicle or perform home improvements? 

Personal loan rates are as low as 8.89% APR.

You may apply for a loan by telephone or online at in less than 10 minutes. Loans are typically approved on the spot or within an hour.

Get a $20 cash bonus if you take a personal loan of $5,000 or greater by August 31st!

You may sign your loan documents using any device including your smart phone with our secure e-signature.

Our maximum loan is $20,000. APR = Annual Percentage Rate


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.



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.


Estatements and Mobile Banking 


Don’t forget that you may sign-up for E-Statements and Mobile Banking. Both are free services and may be accessed within the “Additional Services” section of the “Self Service” tab.

Mobile banking is supported through both a mobile app and a mobile website. Don’t forget to use app code “lmfcumobile” to activate your service using the mobile app. Our online and mobile banking service includes the immediate posting of account transfers and up to the minute account balances and transaction history.


 Credit Union Difference: Index Report Consumers Most Satisfied With Credit Unions

Credit unions had the highest satisfaction score of any financial institution, followed by community banks, large and mid-sized banks and the four “universal” banks, according to the Consumer Banking Expectations Index released in May by banking-technology firm FIS.
Credit unions scored a 91. American Banker reported on the survey and noted that an average score of 100 means the customer, or member, is satisfied with their financial institutions; financial institutions can score above 100 if expectations are exceeded. The average score for financial institutions in the U.S. was 80.
“As credit unions, including LM Federal, are member-owned, it’s no surprise they rank so well for meeting their members’ needs,” said LMFCU President Mark Bold. “LM Federal knows our members and their individual needs and concerns.”
The survey found that, in general, the larger the financial institution, the less satisfied the customer.


Credit Union Auto Club

We offer the Credit Union Auto Club, 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.



Online Banking Account Alerts

Looking for a way to better monitor your account without the hassle of logging into your online account and viewing it constantly? Then sign up for account alerts and let us monitor it for you!

There are numerous account alert options available: when your balance is below or above any certain amount, your direct deposit posts, any withdraw exceeds a threshold you set, insufficient funds, a loan payment reminder and many others. Alerts are sent by email or email and text messaging.

To setup account alerts, log into online banking, select the “Self Service” tab, and then choose “Account Alerts”.




Need Extra Cash? Skip Your Next Loan Payment!

Take advantage of our Skip-A-Loan-Payment program!
Take one month off and get the extra cash you need.
A $25 fee applies.
Eligible loans include auto, truck, boat, RV, motorcycle and personal loans.
Loan payments may be skipped every 12-months per loan.
Call (800) 410-0501 or visit for further information.

*Restrictions apply. Fee is refunded if request cannot be approved.




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& LM Federal Credit Union

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