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  4.24% APR
APR=Annual Percentage Rate  View All Rates





Member Cellular Discounts with Sprint

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April Youth Month Drawing Winners! 

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

Get a $75 Cash Reward With a New Checking Account! 

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




The Credit Union offered its annual youth month promotion in April to help parents educate their children about money and saving.

The coin jar guess winner was Noah S. and the $25 gift card drawing winner was Logan K.

See below for the promotion details.

Are you preparing your children's financial future?

Teaching your kids about personal finances and money is essential for your kid’s financial future. Unfortunately our schools don’t always teach our kids financial basics.

Educational Information Available!

We have educational and fun worksheets and information available to help teach younger children. Packets are available for those with existing or opening new child’s accounts.

Month of April:

• Deposit loose coin to your child’s account and the coin machine fee is waived
• Coin Jar Guess: the closest guess without going over wins the coin jar value*
• Open a Child’s Account and get the following:
      - $5 matching cash deposit
      - Cool piggy bank!
      - Guess the coin jar amount
      - Chance to win a $25 gift card

Special Activities - Week of April 10th

• Fun activities for kids
• Coin jar guess and prize wheel spin whenever you make a deposit*
• Snacks and refreshments on the 13th and 14th

See below for fun and educational materials.

* Monthly promotions expired on April 28th. Drawings were held May 1st. Deposits had to be made to a child’s account, age 17 or less.
Other restrictions apply.



Get a $75 Cash Reward With a New Checking Account!

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

Get a $75 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 reward will be subtracted from the account if it is closed within 90 days of opening. Promotion Expires 6/30/2017.



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 5/31/2017.



Pay only 2.24% 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 2.24% 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 6
/30/2017 and your line must be settled by 7/17/2017.



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©2005 Membership Marketing Support Services
& LM Federal Credit Union

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