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Loan Rates

Which type of rates do you want to see?

Auto & Motorcycle Loans1

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Model Year Term APR Pmt/$1,0002
2020 (new) Up to 36 2.99% $30.01
  48 3.39% $23.25
  63 3.49% $18.35
  75 3.89% $16.02
($28K Min. MSRP) 84 4.84% $15.06
2019 - 2018 36 2.99% $30.01
  48 3.39% $23.25
  63 3.49% $18.35
  75 3.89% $16.02
2017 - 2016 36 3.69% $30.33
  48 3.89% $23.48
  63 3.99% $18.58
  75 4.59% $16.35
2015 36 3.79% $30.37
  48 3.99% $23.53
  63 4.09% $18.63
2014 - 2013 36 3.79% $30.37
  48 3.99% $23.53
2012 and older 36 3.99% $30.46
  48 4.49% $23.76

Powersports Loans1

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Model Year Term APR Pmt/$1,0002
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 Loans1

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Term MSRP APR Pmt/$1,0002
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/$1,0002
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/$1,0002
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/$1,0002
Up to 48 months 8.90% $26.14
Kwik-Cash Line of Credit 16.00% $30.00

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

Home Equity Loans3

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Term APR Pmt/$1,0002
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%4
Regular Rate 4.25%

Mortgage Refi Express5

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Term APR Points Pmt/$1000
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 Pmt6
30 Year 3.125% 3.280% 1.50% $4.29
30 Year 3.375% 3.410% 0.00% $4.42
30 Year - No Cost 3.625% 3.661% 0.00% $4.56
20 Year 3.250% 3.299% 0.00% $5.67
20 Year - No Cost 3.500% 3.550% 0.00% $5.80
15 Year 3.000% 3.063% 0.00% $6.91
15 Year - No Cost 3.250% 3.313% 0.00% $7.03
10 Year 2.875% 2.967% 0.00% $9.60
10 Year - No Cost 3.125% 3.217% 0.00% $9.71

Actual payments will be higher with taxes and insurance. Rates and terms are subject to change; additional restrictions may apply. Published rate may be adjusted based on credit score and down payment. A non-refundable application fee of $495 for single-family and $600 for two-family owner-occupied homes is required. Private Mortgage Insurance (PMI) required for loans with less than 20% down.

For No Cost program, down payment as low as 3%; maximum loan amount $510,400. 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 Pmt6
30 Year 3.375% 4.377% 0.00% $4.42

Down payment of at least 3.5% required.

Low Down Payment/Cash Out ARMs

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Term Rate APR Points Pmt6
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

Published rate may be adjusted based on credit score and down payment. Purchase 5/1 ARM requires 3% down payment, cash out refinance 5/1 ARM requires 5% down payment. Adjustment could occur after initial term. Adjustment is based on 1-year LIBOR plus margin of 2.75%. Maximum annual adjustment is 2%; maximum adjustment over the life of the loan is 6%. No conversion option.

Adjustable Rate Mortgage (ARM) Program

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Term Rate APR Points Pmt6
1 Year ARM 2.500% 5.286% 0.00% $3.95
3 Year ARM 3.000% 4.281% 0.00% $4.21
5 Year ARM 3.125% 4.118% 0.00% $4.29
7 Year ARM 3.250% 4.009% 0.00% $4.35

Published rate may be adjusted based on credit score and down payment. ARMs require 5% down payment. Adjustment could occur after initial term. Adjustment is based on 1-year LIBOR plus margin of 2.75%. Maximum annual adjustment on 1, 3, and 5 year is 2%; maximum over the life of the loan is 6%. Maximum annual adjustment on 7 year is 2%; maximum over the life of the loan is 5%. No conversion option.

Construction Loans

Contact Loan Officer
Term Rate APR Points Pmt6
1 Year ARM 2.500% 5.286% 0.00% $3.95
3 Year ARM 3.000% 4.281% 0.00% $4.21
5 Year ARM 3.125% 4.118% 0.00% $4.29

Rate is variable. Down payments as low as 10%. Example: on a $150,000 1-year ARM (Adjustable Rate Mortgage) loan after 20% down, with a rate of 2.500% and 5.286% APR, monthly principal and interest payments are $602.90 based on a 12-month construction period. Interest-only payments available during construction period (9-12 months); after, the loan will be amortized over 351 months (9-month construction period) or 348 months (12-month construction period). Rate adjustment could occur after the initial term (1, 3, or 5 years) and annually thereafter based on 1-year LIBOR rate; loan rate is calculated by adding a margin of 2.75%. Rate will not increase more than 2% in any given year and more than 6% total over the loan term. No conversion option. Published rate may be adjusted based on credit score and down payment. Application Fee of $600 is required. Available on single family, detached homes, owner-occupied upon completion. Other restrictions may apply; rates and terms are subject to change.

Lot Loans

Contact Loan Officer
Term Rate APR Points Pmt6
1 Year ARM 3.625% 4.005% 0.00% $4.56
3 Year ARM 3.875% 4.008% 0.00% $4.70

Down payment 20%. Application fee $495. If more than 10 acres, must be zoned residential. Published rate may be adjusted based on credit score and down payment.

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.

1Vehicle insurance is required for auto, motorcycle, powersport and boat loans. Excludes refinance of existing Landmark auto, motorcycle, powersport or boat loans.

2 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. Rates are based on loan term, creditworthiness and collateral condition. Rate availability is subject to change and credit approval.

3 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.

4 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. Rates and terms subject to change. No closing costs if loan is closed and: (i) Loan-to-Value (LTV) ratio is less than or equal to 90%; (ii) balance/limit is $10,000 - $250,000; (iii) home is a single family residence and owner occupied; and (iv) home is not listed for sale. Fees up to $655 may be required if these terms are not met. Additional programs may be available. Landmark HELOCs may be modified for a $350 fee. Interest only payments are available for the first 10 years from the date the HELOC was opened followed by a 15-year repayment; 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. Other restrictions apply.

5 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.

6 To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 30-year 3.375% loan for $150,000 would be: 150 X $4.42 = $663 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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