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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 APR1 Pmt/$1,0002
2022 & 2021 Up to 36 4.94% $30.87
  48 5.19% $24.06
  63 5.44% $19.25
  75 5.69% $16.86
($25K Min. MSRP) 84 6.44% $15.83
2020 36 4.94% $30.87
  48 5.19% $24.06
  63 5.49% $19.27
  75 5.74% $16.88
  84 6.49% $15.86
2019 36 4.94% $30.87
  48 5.24% $24.08
  63 5.54% $19.29
  75 5.74% $16.88
  84 6.54% $15.88
2018 36 4.94% $30.87
  48 5.34% $24.13
  63 5.64% $19.34
  75 5.89% $16.96
2017 36 5.09% $30.94
  48 5.49% $24.20
  63 5.59% $19.32
2016 & 2015 36 5.94% $31.33
  48 6.14% $24.50
2014 and older 36 6.14% $31.42
  48 6.64% $24.74

Powersports Loans1

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Model Year Term APR Pmt/$1,0002
2022-2019 Up to 63 months 7.59% $20.29
  72 (≥$10,000 MSRP) 7.79% $18.44
2018 & Older 63 months 7.89% $20.44
  72 (≥$10,000 MSRP) 8.09% $18.60

Boat Loans1

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Term Loan Amount APR Pmt/$1,0002
Up to 63 months   6.15% $19.59
84 (≥$10,000) 7.25% $16.24
120 (≥$20,000) 7.75% $13.10
180 (≥$20,000) 7.80% $9.45

RV Loans

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Term Loan Amount APR Pmt/$1,0002
Up to 84 months (≥$10,000) 8.50% $16.89
120 (≥$20,000) 9.50% $14.09
180 (≥$20,000) 11.10% $11.43

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

Manufactured Home Loans

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Term Loan Amount APR Pmt/$1,0003
Up to 84 months (≥$10,000) 7.20% $15.25
120 (≥$20,000) 8.20% $12.29
180 (≥$20,000) 9.80% $10.67

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

Personal Loans - Unsecured

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Term APR Pmt/$1,000
Up to 60 months 10.75% $22.652
Kwik-Cash Line of Credit 16.00% $30.004

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

Home Equity Loans5

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Term APR Pmt/$1,0003
Up to 60 months 5.94% $19.31
84 6.49% $14.85
120 6.94% $11.58
180 7.29% $9.16
240 8.40% $8.62

Home Equity Line of Credit

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Term APR
Locked for 12 months 3.99%6
Regular Rate 6.50%

Rates listed above are for up to a 70% LTV. We also offer additional introductory terms with higher LTVs. If you have an existing Landmark Home Equity Line of Credit and are interested in modifying your rate, please visit this page. For rates and more information on this product please contact us.

Mortgage Refi Express7

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Term Rate APR Points Pmt/$1000
8 Year 5.99% 5.99% 0.00% $13.14
10 Year 6.09% 6.09% 0.00% $11.15
12 Year 6.19% 6.19% 0.00% $9.86

Mortgage Loans - Fixed Rate

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Term Rate APR Points Pmt8
30 Year 5.875% 6.102% 1.50% $5.92
30 Year 6.125% 6.212% 0.00% $6.08
20 Year 5.750% 5.862% 0.00% $7.02
15 Year 5.625% 5.764% 0.00% $8.24
10 Year 5.500% 5.696% 0.00% $10.85

Not all programs shown. For more information including no-cost and low-cost loan programs, please contact a Landmark Mortgage Representative.

Actual payments will be higher with taxes and insurance. Rates and terms are subject to change at any time and without notice; additional restrictions may apply. Published rate may be adjusted based on other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. A non-refundable application fee of $495 is required for single family residences and $600 for 2+ units is required. Private Mortgage Insurance (PMI) required for loans with less than 20% down.

Adjustable Rate Mortgage (ARM) Program

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Term Rate APR Points Pmt8
1 Year ARM 5.500% 7.284% 0.00% $5.68
3 Year ARM 5.500% 6.971% 0.00% $5.68
5 Year ARM 5.625% 6.761% 0.00% $5.76
7 Year ARM 5.750% 6.620% 0.00% $5.84

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 CMT 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 6%. No conversion option.

Low Down Payment/Cash Out ARMs

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Term Rate APR Points Pmt8
5 Year -
97% Purchase
5.625% 6.761% 0.00% $5.76
5 Year ARM -
95% Cash Out Refi
5.625% 6.761% 0.00% $5.76

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% equity. Adjustment could occur after initial term. Adjustment is based on 1-year CMT plus margin of 2.75%. Maximum annual adjustment is 2%; maximum adjustment over the life of the loan is 6%. No conversion option.

Construction Loans

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Term Rate APR Points Pmt8
1 Year ARM 5.500% 7.361% 0.00% $5.73
3 Year ARM 5.500% 7.034% 0.00% $5.73
5 Year ARM 5.625% 6.821% 0.00% $5.81

Rate is variable. Down payments as low as 10%. 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 CMT 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 other factors, including but not limited to, when your rate is locked, actual occupancy status, loan purpose, loan amount, credit score, debt to income ratio, and loan to value. Application Fee of $600 is required. Available on single family, detached homes, owner-occupied upon completion. Additional restrictions may apply. Rates and terms are subject to change at any time and without notice.

Lot Loans

Contact Loan Officer
Term Rate APR Points Pmt8
1 Year ARM 6.750% 7.410% 0.00% $6.49
3 Year ARM 6.750% 7.303% 0.00% $6.49

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

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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 Vehicle 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 optional Single Debt Protection coverage. Optional Joint Debt Protection coverage is also available at an additional cost. We will give you additional information before you are required to pay for the Debt Protection coverage. There are eligibility requirements, conditions, and exclusions that could prevent you from receiving this coverage. Consult a tax adviser regarding tax deductibility of interest and fees. Rates and terms are subject to change and are based on loan term, creditworthiness and collateral condition.

3 Payment factor does not include Debt Protection coverage. Credit Protection coverage is not offered on real estate secured loans.

4 Payment factor does not include Debt Protection coverage.

5 Fixed rates apply to 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. Monthly payments for a 5-year, 80% LTV loan at 5.94% APR would be $19.31 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 subject to change at any time and without notice.

6 Intro 3.99% APR available on loans for owner-occupied primary residences with loans up to 70% Loan-to-Value (LTV) and credit scores of 680 or higher. Other restrictions may apply. Rate is variable. Rate is locked for 12 months, then set at Prime (recently 7.00%) minus 0.50 percentage points, or 3.99% APR, whichever is higher. 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. Additional introductory rates and loan programs may be available. Interest-only payments are available for the first 10 years from the date the HELOC was opened; outstanding balance will then amortize based on the variable rate to be repaid in monthly payments over 180 months. Maximum rate 20% and the APR will never fall below 3.99%. Homeowner’s insurance required. If the line of credit is closed within the first 2 years, an early termination fee of $250 applies. For HELOC’s up to $300,000 in value member is responsible for property valuation, title insurance costs, and other fees, if required which range from $250-$1250.

7 A fee of $89 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. Escrow accounts may not be available. Existing Landmark Mortgage Refi Express loans may be modified for a $150 fee. Example: for an 8-year mortgage at 5.99% APR, payments would be $13.14 per $1,000 borrowed; for a 10-year mortgage at 6.09% APR, payments would be $11.15 per $1,000 borrowed; for a 12-year mortgage at 6.19% APR, payments would be $9.86 per $1,000 borrowed. Actual payments may be higher with property taxes and homeowner’s insurance. Additional restrictions may apply. Rates and terms are subject to change at any time and without notice.

8 To calculate estimated monthly payment, multiply the payment amount shown by the mortgage amount in thousands. For example, a 30-year 6.125% loan for $150,000 would be: 150 X $6.08= $912 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes and insurance.

Routing Number: 275079714
NMLS: 401043
NCUA Equal Opportunity Housing
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