Selected Loan Rates

 APR as
low as

 New Auto, 3 - 5 year  1.74% APR
 Used Auto, 3 - 5 year  1.99% APR
 Home Equity Line  2.49% APR
 Fixed Home Equity, 5 year  3.84% APR
 Fixed Home Equity, 7 year  4.34% APR
 Signature  8.74% APR
 Boat & RV  4.49% APR
APR=Annual Percentage Rate  
 View All Rates  


Member Cellular Discounts with Sprint

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Financial Statistics as of June 30th, 2014  


 Purchase Discounted 2014 Maryland State Fair
Tickets in Advance

Avoid long Lines at the Gate and Save Money!


Buy admission tickets and/or ride-all-ride wristbands and food coupons from LMFCU for substantial savings.
The fair runs Friday, August 22nd through Monday, September 1st 

Click here for discounted prices 


Visit for more info and click here for discounted prices


                   FBI Child ID App 


 The FBI’s Child ID app was created to provide parents or guardians with a tool to electronically store photos and vital information about their children so that it is easily accessible in the event of a missing child or child abduction. With one touch, parents can quickly share information with multiple law enforcement agencies within minutes of a child being reported missing. The app also includes tips on keeping children safe as well as specific guidance on what to do in those first few crucial hours after a child goes missing. You can download it through your mobile app store and get more information at the following link



             Fast Loans With E-Signatures!


We now offer e-signatures for new loans! If you are unable to visit the Credit Union office you will receive an electronic copy of your documents by secure e-mail, sign electronically and you're done! Your loan can be disbursed upon receipt of your electronic documents. You can complete your documents using any pc or other device, including a smart phone. 

Auto & Truck Loan Information

Boat & RV Loan Information

Home Equity Loan Information  



Just about all financial institutions offer an online bill payment service. Many offer this service free of charge, including LM Federal Credit Union. Our Internet Bill Payment system, like other providers, also provides the ability to electronically transfer funds from your LMFCU account to your account at another institution. UNLIKE other many other providers, we do NOT charge a fee when you transfer funds to your account elsewhere. Our service also provides the ability to transfer funds to another person's account at another institution, as well as gift payments and charitable donations.  


                      Account Activation Text Scam


 Fraudulent text messages are increasingly being sent to consumers in an effort to steal personal account information. A recent text example: “Federal Credit Union ALERT: Your CheckCard has been temporarily LOCKED. Please call Card Services line (407) 574-2992”. Other phone numbers have also been listed. DON’T CALL! To contact LMFCU use the number listed on the back of your card.



                                    Reverse Mortgage Advice


   If you’re 62 years of age or older, a reverse mortgage may offer the money you need to supplement your retirement income, to pay healthcare expenses, finance home improvements, or even pay off your current mortgage. Click here for additional information from the Consumer Credit Counseling Service of MD & DE.  

                                      Card Security Upgrade

As part of our continuing effort to bring the best technology and service to our members, During the month of June LM Federal Credit Union is upgrading our card Fraud Detection and Notification System. The new system will provide more immediate attention to notify our members faster when fraud is suspected. The notification portion of the system includes a state-of-the-art automated assistant to help our members review transactions and confirm their spending activity on Visa check cards and ATM cards.

If you receive a notification call from our automated assistant, whom we have nick-named Jill, please work with her to answer questions regarding recent card activity. Please also be aware that our Card Member Security team that provides fraud alert management is available 24 hours per day, 7 days per week should you need assistance from a live agent.
If suspicious transactions are identified as fraudulent, calls will be transferred to our Card Member Security group to help you take the necessary precautions to protect your cards and related accounts. If the recent activity is legitimate, members will be able to close the case with the phone attendant using their touch-tone phone.

Please contact us with any questions at 410-687-5240 or 800-410-0501.


   Looking for a fun family activity at a discounted price? LMFCU has Maryland Zoo, Aquarium, Hershey Park, Six Flags America, Dutch Wonderland, Kings Dominion and movie tickets at a discounted price for you to purchase. Stop by the office to purchase; even non-members can purchase for an additional fee. Call beforehand to check for availability if purchasing a large quantity. Click here for prices.


                       Home Buying Savings Tips

We often hear it's harder to purchase a home now than it used to be. This is no surprise given home prices are rising faster than wages and mortgage lenders generally require buyers to meet stricter standards than they did before the housing crisis. However, here's the good news: It's still possible to acquire a home, and you can save thousands of dollars when you do. Consumer Credit Counseling Service of Maryland and Delaware housing counselor Mary Rammel says, "Becoming a homeowner just takes forethought and education. If you want to succeed, have a financial plan." Click here for additional information.



                                             Annual Meeting Results:

 LM Federal's Annual Membership Meeting was held on April 29th. The Credit Union's Board of Directors, President and other volunteers attended and presented reports on the Credit Union's significant events of the past year, current financial condition and future plans. The following officials were re-elected to their positions: Robert Caswell, Robert Ivy and Vivian Bold for the Board of Directors, and Robert Caswell and Bill Cosden for the Credit Committee. You can view or print a copy of the Credit Union's 2013 Annual Report by clicking here.



Fraud Alert:

Beware of automated calls which play recorded messages claiming to be from a credit union (or bank), requesting verification of financial information (e.g., account number, card number, or PIN).  LMFCU has recently been notified by members that they received a phone call indicating their account and access card were locked or closed, or their card numbers were compromised. The victims are asked to enter their access card number.  You are reminded to never respond to any telephone call requesting personal or financial information.





                                                      Looking For a Boat or RV?

Finance a boat or RV purchase with as little as 10% down!

  • Eligible boats include power, sail and personal watercraft.

  • RV's Include motor homes, campers and trailers

  • Rates as low as 4.49% APR!
  • Terms of up to 15 years available
  • Apply by telephone or online at




Searching For a Used Vehicle?

  •  Rates as low as 1.99% APR for a 5-year loan
  • Get a 0.10% rate discount if you apply online at
  • 100% financing is available*
  • Finance back through the 2001 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

* Restrictions apply. APR = Annual Percentage Rate

Apply for a loan in as little as 15 minutes:
By phone Monday - Friday 9 am to 6 pm EST (7 pm on Fridays)
In person or online at (24 hours a day)
Loans are disbursed in-person or by Federal Express no-charge
Click here for our current rates
Click here for additional auto loan info










Need To Add To Your Retirement Or Children’s College Savings?

Open or contribute to a new Traditional, Roth or Educational IRA!
Unlike many other institutions no annual maintenance fees are charged. Contributions may be made by
payroll deduction, through the mail or in personal.
Certificate account annual percentage yields are as high as 0.70% (rates subject to change).

TRADITIONAL IRA: Contributions may be tax deductible, earnings are tax deferred.
ROTH IRA: Earnings grow tax-free, contributions are not tax deductible. Withdrawals are usually tax-free
(restrictions apply).
EDUCATIONAL SAVINGS ACCOUNTS: Save for your student’s secondary and college education expenses. Earnings grow tax-free.

Visit the IRA section of our Savings & Investment website page at for additional IRA information.  New accounts may be opened by telephone and through the mail.





Get A Great Vehicle With Enterprise Car Sales

Buying a used car or truck can save you money because a new car experiences its greatest loss in value within the first 12 to 18 months. A used car can have a lower purchase price with lower monthly payments.
Millions of used rental cars are sold annually in the U.S. Many were passed directly to auctions and on to used car dealerships. However, Enterprise selects tens of thousands or vehicles for their own car resale business. These used cars represent the "cream of the crop" and are often considered some of the best used cars on the market. Enterprise vehicles offer the following benefits:

  • Great selection: The typical used car for sale is only one to two years old. Many makes & models are available.
  • One owner: Enterprise has a commitment to expertly maintaining their vehicles
  • Low mileage: Used rental cars often have less than 40,000 miles.
  • Reasonable, no haggle prices: Vehicles sold by Enterprise Car Sales are offered at low prices, typically below retail value.
  • 12-month/12,000 mile limited power train warranty*
  • 7-Day Repurchase Agreement* Change your mind? Take it back!
  • Vehicle Certification: Vehicles have passed a 109 point inspection by an ASE certified technician
  • Free Carfax reports

Maryland Locations: White Marsh (866) 832-0969, Glen Burnie (888) 287-6516, Lanham (888) 227-9289, Rockville (888) 227-9313

Click here for current Enterprise Special Offers.
Click here to visit the Enterprise Car Sales website.

Used vehicles previously part of Enterprise short-term rental and lease fleet or purchase by Enterprise from other sources, including auto auctions, with previous use possibly short-term rental, lease or other.
* Restrictions apply, for details see an Enterprise Car Sales Manager.




Wanted: Member Feedback!

Have you had a great experience with LM Federal Credit Union that you would like to share? We love to hear how we're doing and appreciate all feedback from our members! Email us at with your stories of our great member service.
Thank you for your membership & support!



 LM Federal's Financial Statistics as of June 30th, 2014:

Assets: $31,285,494 Deposits: $ $28,811,234 Loans: $21,853,614
Reserves: $2,248,284 Members: 3,309  

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©2005 Membership Marketing Support Services
& LM Federal Credit Union

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