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  2.24% 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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2017 Scholarship Program 

Need Funds For Your Holiday Shopping? 

Forget to signup for eServices? 

Get $50 With a New Checking Account! 

Get $20 With a New Membership! 

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



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:



Need Funds For Your Holiday Shopping?

Apply for a fast personal loan online or by telephone.
- Requests are typically approved same day.
- Rates are as low as 8.99% Annual Percentage Rate.
- Sign your documents with a secure e-signature.

Get yourself ready for next year's holiday expenses by opening a holiday club savings account.
Open a holiday club account and you will be entered in a drawing for a cool gift basket. Holiday clubs are special savings accounts that are used to save for holiday expenses. For example a $20 weekly payroll deposit over one year will provide over $1,000 in holiday funds! You may open an account by telephone or by visiting the Credit Union office.

* Club accounts have access restrictions. Visit for details. A minimum weekly deposit of $5 is required to be entered in the prize drawings. Accounts must be opened by December 16th.



 Did you signup by October 31st for one or more eServices
and get up to
FOUR chances to win a $250 VISA Gift Card?

Our $250 VISA Gift Card winner was Joshua S.

Those who signed up for all four services had four chances to win!

• Online Banking   Mobile Banking

Internet Bill Payment   • eStatements

All of our electronic services are safe, secure and convenient to use. And there is no fee!*

Haven’t signed up for online banking?

Visit and click on the “Online Banking” image in the right column.
Enrollment deadline for the drawing was October 31st.

Existing online banking users: Enroll in Mobile Banking and eStatements through the self service tab.

* Restrictions apply. Drawing to be held by November 4th. Existing service participants not eligible. Online banking is required for access to other services. LMFCU checking is required for Internet Bill Payment. Internet Bill Payment monthly fee waived if two or more payments are processed monthly.



Get $50 When You Open 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 12/30/2016.



Get $20 With a New Membership!


Are you a Lockheed Martin, MRAS or Maryland Air National Guard employee?

Get a $20 bonus if you open a new membership and sign-up for a $25 or greater weekly payroll deduction.

Restrictions apply. Offer expires 12/31/2016.



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 2.24% introductory rate your home equity line of credit application must be received by 12
/31/2016 and your line must be settled by 1/16/2017.



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©2005 Membership Marketing Support Services
& LM Federal Credit Union

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