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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Did you miss International Credit Union Week?

Signup for eServices to get up to
FOUR Chances To Win a $250 VISA Gift Card! 

$100 VISA Gift Card Drawing Winner! 

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!

Enterprise Car Sales Special Offers  



Celebrate International Credit Union Week With Us!

Unlike many banks, we at LM Federal Credit Union are not in business to make a profit.
We Serve Members Only: We don’t serve large businesses, corporations, real estate
developers, etc. Just people!

The following events were offered during the week of October 17th:

Thursday & Friday:
• Answer a Credit Union trivia question and spin the prize wheel!
• Free snacks and refreshments!
All Week:
• Learn how Credit Unions are different
• Get a free “credit checkup”
• Answer a new trivia question each day for a chance to win one of two $50 VISA Gift Cards.

Our VISA Gift Card winners were Kent B. and Michael K. 

Here are the answers to our trivia questions:

Who owns the Credit Union?
A. Banks
B. Credit union members 
C. Government
D. Donald Trump

People who belong to Credit Union are known as…
A. Customers
B. Members
C. Bankers
D. None of the above

The Mission of the Credit Union is?
A. Financial self-help for members
B. Help members save money
C. Provide fast low rate loans
D. All of the above

LM Federal Credit Union’s “profits” go to..
A. Lockheed Martin stockholders
B. Joe Flacco
C. Credit Union members in the form of better rates and lower fees
D. A new Porsche for the Credit Union staff

What is a Credit Union?
A. Financial cooperatives run by the people who belong to them
B. Banks
C. Financial institutions run by big business


 Signup for one or more eServices and get up to 
FOUR chances to win a $250 VISA Gift Card!

You'll be eligible for each service enrollment: Signup for all four services and you'll have 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.
Must enroll by October 31st.
Note, eStatement enrollment deadline is October 24th.

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.



$100 VISA Gift Card Drawing Winner


Congratulations to Violet H. on winning the $100 VISA gift card.

Members who signed up for our biweekly email update newsletter in September were entered in a drawing for a $100 Visa gift card!

Drawing was held on October 4th, 2016.



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 11/30/2016.



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 10/31/2016.



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 1/17/2017.




Enterprise Car Sales

      Click here for more information.



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©2005 Membership Marketing Support Services
& LM Federal Credit Union

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