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Loan Rates

Which type of rates do you want to see?

Auto & Motorcycle Loans

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Model Year Term APR Pmt/$1,0001
2019 Up to 36 3.29% $30.14
  48 3.69% $23.39
  63 3.79% $18.49
  75 4.19% $16.16
($28K Min. MSRP) 84 5.14% $15.21
2018 - 2017 36 3.29% $30.14
  48 3.69% $23.39
  63 3.79% $18.49
  75 4.19% $16.16
2016 - 2015 36 3.69% $30.32
  48 3.89% $23.48
  63 3.99% $18.58
  75 4.59% $16.35
2014 36 3.79% $30.37
  48 3.99% $23.52
  63 4.09% $18.63
2013 - 2012 36 3.79% $30.37
  48 3.99% $23.52
2011 and older 36 3.99% $30.46
  48 4.49% $23.75

Rates are based on credit scores. Excludes Landmark refinances. Up to 5% down payment may be required.

Powersports Loans

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Model Year Term APR Pmt/$1,0001
2018-2017 Up to 63 5.49% $19.29
(≥$10,000 MSRP) 72 5.69% $17.43
2016 & Older up to 63 5.79% $19.43
(≥$10,000 MSRP) 72 5.99% $17.57

Boat Loans

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Term MSRP APR Pmt/$1,0001
Up to 63 months   4.65% $18.89
84 (≥$10,000) 5.75% $15.51
120 (≥$20,000) 6.75% $12.58
180 (≥$20,000) 7.75% $9.42

RV Loans

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Term MSRP APR Pmt/$1,0001
Up to 84 months (≥$10,000) 5.90% $15.58
120 (≥$20,000) 6.90% $12.66
180 (≥$20,000) 8.50% $9.85

Fixed term Mobile Home loans may be amortized up to 15 years.

Manufactured Home Loans

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Term MSRP APR Pmt/$1,0001
Up to 84 months (≥$10,000) 5.90% $15.58
120 (≥$20,000) 6.90% $12.66
180 (≥$20,000) 8.50% $9.85

Fixed term Mobile Home loans may be amortized up to 15 years.

Personal Loans - Unsecured

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Term APR Pmt/$1,0001
Up to 48 months 8.90% $26.14
Kwik-Cash Line of Credit 16.00% $30.00

Personal loans $5,000 or less are at a maximum of 36 months.

Home Equity Loans2

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Term APR Pmt/$1,0001
Up to 60 months 3.99% $19.37
84 4.49% $14.89
120 4.74% $11.52
180 5.79% $8.33
240 6.90% $7.70

Home Equity Line of Credit

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Term APR
Locked for 12 months 1.99%3
Regular Rate 4.25%

Mortgage Refi Express

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Term4 APR Points Pmt/$10004
8 Year 2.75% 0.00% $11.62
10 Year 2.99% 0.00% $9.66
12 Year 3.125% 0.00% $8.34

Mortgage Loans - Fixed Rate

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Term Rate APR Points Pmt5
30 Year 3.500% 3.627% 1.50% $4.49
30 Year 3.750% 3.785% 0.00% $4.63
30 Year - No Cost 4.000% 4.027% 0.00% $4.77
20 Year 3.625% 3.673% 0.00% $5.87
20 Year - No Cost 3.875% 3.901% 0.00% $5.99
15 Year 3.125% 3.188% 0.00% $6.97
15 Year - No Cost 3.375% 3.438% 0.00% $7.09
10 Year 3.000% 3.091% 0.00% $9.65
10 Year - No Cost 3.250% 3.342% 0.00% $9.77

Down payment as low as 5%. Income and home value limits may apply. A non-refundable application fee of $495 for single-family and $600 for two-family owner-occupied homes is required. Published rate may be adjusted based on credit score, down payment, debt ratio and employment income.

No Cost program available only for single-family owner-occupied homes. Application fee is refunded at closing.

FHA/VA Mortgage Loans

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Term Rate APR Points Pmt5
30 Year 3.625% 4.612% 0.00% $4.64

Down payment of at least 3.5% required.

Low Down Payment/Cash Out ARMs

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Term Rate APR Points Pmt5
5 Year -
97% Purchase
3.375% 4.362% 0.00% $4.42
5 Year ARM -
95% Cash Out Refi
3.375% 4.362% 0.00% $4.42

First-Time Home Buying available on 97% Purchase 5-year ARM. Adjustment could occur after initial term. Adjustment is based on 1-year LIBOR plus margin of 2.75%. Caps 2% and 6%. No conversion option.

Adjustable Rate Mortgage (ARM) Program

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Term Rate APR Points Pmt5
1 Year ARM 2.500% 5.286% 0.00% $3.95
3 Year ARM 3.125% 3.518% 0.00% $4.28
5 Year ARM 3.375% 4.362% 0.00% $4.42
7 Year ARM 3.500% 4.126% 0.00% $4.49

ARMs require 5% down payment. Adjustment could occur after initial term. Adjustment is based on 1-year LIBOR plus margin of 2.75%. Caps on 1, 3, and 5-year 2% and 6%. Caps on 7-year 5% initial, and 2% and 5% thereafter. No conversion option. Published rate may be adjusted based on credit score, down payment, debt ratio, and employment income.

Construction Loans

Contact Loan Officer
Term Rate APR Points Pmt5
1 Year ARM 2.500% 5.286% 0.00% $3.95
3 Year ARM 3.125% 3.518% 0.00% $4.28
5 Year ARM 3.375% 4.362% 0.00% $4.42

5% down payment required. Construction 9 months interest only - 351 month amortization after interest only. Adjustment could occur after initial term. Adjustment is based on 1-year LIBOR plus margin of 2.75%. Caps 2% and 6%. No conversion option. Published rate may be adjusted based on credit score, down payment, debt ratio, and employment income.

Lot Loans

Contact Loan Officer
Term Rate APR Points Pmt5
1 Year ARM 3.625% 4.005% 0.00% $4.56
3 Year ARM 3.875% 4.008% 0.00% $4.70

20% down payment required. More than 10 acres must be zoned residential. Published rate may be adjusted based on credit score, down payment, debt ratio, and employment income.

Related Content

paying store with landmark credit card

Consumer Credit Cards

Open a credit card with Landmark Credit Union. Whether you're looking to improve your credit score or earn rewards we have a solution for everyone.

1 Payments on loans with terms up to 120 months include single Credit Protection coverage. Joint Credit Protection coverages are also available for loans with terms up to 120 months. Consult a tax adviser regarding tax deductibility of interest and fees.

2 Fixed rates apply to owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Loan rates without Auto Pay are 1/4% higher. Additional rates and terms are available. Monthly payments for a 5-year, 80% LTV loan at 3.75% APR would be $19.26 per $1,000 borrowed. Minimum loan amounts apply. Excludes Landmark refinances. Consumer loan rates based upon qualified credit. Other terms and rates are available; some restrictions may apply. Loans and rates are subject to credit approval. Rates and terms are subject to change.

3 1.99% APR available on loans for owner-occupied primary residences with loans up to 80% Loan-to-Value (LTV) and credit scores of 680 or higher. Additional rates and terms are available. Rate is locked for 12 months, then set at Prime (recently 4.75%) minus 0.50 percentage points, or 3.99% APR, whichever is higher. Rate is variable. Rate is subject to change after 12 months from closing date, and thereafter on the first business day following any change in the Prime Rate as published in the Wall Street Journal. Interest only payments are available for the first 10 years; outstanding balance will then amortize based on the variable rate to be repaid in monthly payments over 180 months. Maximum rate 20%. Minimum credit line is $5,000. Early termination fee applies. Homeowners insurance required.

4 A fee of $85 is required. Available to refinance home loans of up to $250,000 with loan-to-value ratio of 80% or less for single-family owner-occupied primary residences. Qualifying credit score required. Other programs may be available for non-qualifying credit scores and higher loan-to-value ratios. Existing Landmark Mortgage Refi Express loans do not qualify; escrow account may not be available. Example: for a 8-year mortgage at 2.75% APR, payments would be $11.62 per $1,000 borrowed; for a 10-year mortgage at 2.99% APR, payments would be $9.66 per $1,000 borrowed; for a 12-year mortgage at 3.125% APR, payments would be $8.34 per $1,000 borrowed. Actual payments may be higher with property taxes and homeowner’s insurance. Other restrictions may apply. Rates and terms are subject to change.

5 To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 30-year 3.750% loan for $150,000 would be: 150 X $4.63 = $694.50 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes and insurance.

Routing Number: 275079714
NCUA Equal Opportunity Housing
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