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  2.49% 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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Refer a Co-Worker and Get a $20 Cash Bonus!  

2017 Scholarship Program 

Get a $50 Cash Reward With a New Checking Account! 

Open a new Home Equity Line! Take Advantage Before Rates Go Up!



New Service Now Available!

Protect against card fraud and misuse - in real-time - via your smart phone.

  • Turn your card on and off
  • Limit use to specific merchant types
  • Set card spending limits
  • Set GPS location restrictions
  • Receive real-time card-use notifications and spending-limit alerts
Congratulations to Karen M. who was the drawing winner in February for the $100 cash prize. Members who signed up for the CardNav app in February were entered into a drawing for a $100 cash prize.

How to download and install:

CardNav is available for both iPhones and Android mobile devices.

iPhone users can find the CardNav app in the iTunes store, and Android users can find it in the Google Play Store.

After the installation of CardNav follow the prompts to finish the app installation.

Requirements: The application works with version 4.1 and higher for Android and device models 4S, 5, 5C, 5S, 6 or 6 Plus with iOS operating system version 6, 7, or 8 for Apple (iOS).

Click here for detailed user guide.

Click here for more information about our new VISA Purchase Alerts service, available for those who don't have smartphone access.



2017 College Scholarship Program

Are you headed off to college or trade school in 2017?

LMFCU is pleased to announce a college scholarship opportunity to make it easier for you to meet tuition costs. The $12,000 Credit Union College Scholarship Program for 2017 is underway now! College-bound members are eligible to apply for one of ten $1,000 essay-based scholarships; a $1,000 video-based scholarship; and/or a $1,000 photo-based scholarship.

All applicants who apply will receive a $20 Visa gift card for their submission!!

This year's essay topic: "Create a 60-second advertisement targeted specifically at a younger viewer (under the age of 30) that highlights the benefits of credit union membership."

This year's video topic: "As a credit union member, explain why someone should choose a credit union as their primary financial institution over alternative service providers, such as for-profit banks."

Photo applicants are asked to capture and submit a photograph that represents the credit union core value, "Respectful."

Deadline for applications is March 31, 2017. Awards will be announced in April 2017.

Applications are accepted online at:



Get a $50 Cash Reward With a New Checking Account

Tired Of Paying Fees To Your Bank?  Switch Your Checking To LM Federal!

Get a $50 Cash Reward* by Opening a New Checking Account

We offer several no-fee checking accounts, including “free checking” that offers no monthly fee and no minimum balance requirement. LMFCU free checking includes the following:
  • No minimum balance or monthly service fee
  • No limit on check writing & your 1st order of checks are FREE
  • Surcharge-free ATM withdrawals at over 30,000 Co-op network ATMs
  • Up to 12 free foreign ATM withdrawals per month
  • Free use of Online Banking and Internet Bill Pay
  • Mobile banking and eStatements are also available
For more information, visit or call the office, or click here.
You may open a new checking account in-person or by telephone.

* Direct Deposit is defined as an ACH deposit from the member’s employer of at least $500 per month (or equivalent). Incentive will be deposited once the first direct deposit is posted and confirmed. Checking and Visa Check Cards are subject to approval. Cash bonus will be subtracted from the account if it is closed within 90 days of opening. Promotion Expires 3/31/2017.



Refer a Co-Worker and Get a $20 Cash Reward!


Attention Lockheed Martin, MRAS and Maryland Air National Guard employees!

Get a $20 Cash Bonus* if you refer a co-worker for membership. Your co-worker also gets $20.
The co-worker must enroll for a minimum weekly payroll deduction of $40.
New memberships may be set up in person or by telephone.

*Excludes minor's accounts, existing member, business accounts and existing joint owners. New account must have a weekly payroll deduction of at least $40. The $20 payment will be deducted from the account if closed within 90 days of opening. Promotion ends March, 31 2017.



Pay only 2.49% APR with a new Home Equity Line of Credit



  • 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! Take advantage before rates go up!!

Home Equity Lines:                                                     
Introductory rate of 2.49% APR*
No closing costs (restrictions apply**)
low minimum
monthly payments of only $5.80 per $1,000 borrowed.                                                      

*Introductory rate in effect for the first 6-months. Thereafter the ongoing rate is subject to a lifetime floor rate of 3.50% APR. 
A line of credit is perfect for those who need continued access to funds for 
any purpose over an extended period of time. Ongoing rates are as low as Prime minus 1/2%.
**Closing cost repayment restrictions:                 

Minimum line of $20,000 required, costs repaid by member if line is 
closed within 36-months of opening. 

Fixed Rate Home Equity Loans:
Rates as low as

3.84% APR (5-Years)
4.34% APR (7-Years)
5.39% APR (10-years)
No closing costs**

There are no points or application fees.  Fixed Rate Home Equity loans are ideal for bill consolidations,refinances, and home improvements. The rate and payment never change. 

To qualify for the 2.49% introductory rate your home equity line of credit application must be received by 3
/31/2017 and your line must be settled by 4/17/2017.



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©2005 Membership Marketing Support Services
& LM Federal Credit Union

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