Rates effective March 1, 2025

Savings Rates

Account	APR	APY
Share Savings Includes Holiday & Vacation Club	0.15%	0.15%
IRA Share Savings Includes Traditional, Roth & Education	0.50%	0.50%
Share Draft Checking	0.05%	0.05%

Money Market Share Account

Account Balance	APR	APY
$2,500 - $19,999.99	1.40%	1.41%
$20,000 - $74,999.99	1.60%	1.61%
$75,000+	1.80%	1.82%

APR=Annual Percentage Rate. APY=Annual Percentage Yield. $2,500 minimum balance required. Computed daily from day of deposit to the day or withdrawal, compounded daily and paid monthly. All rates are subject to change without notice.

Monthly Dividend Certificate

Term	APR	APY
24 months	3.95%	4.02%

APR= Annual Percentage Rate. APY= Annual Percentage Yield. $5,000 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded monthly. All rates are subject to change without notice.

Share Certificate

Term	APR	APY
3-5 months	2.25%	2.27%
6-11 months	3.70%	3.75%
12-17 months	4.35%	4.42%
18-23 months	4.10%	4.16%
24-35 months	4.00%	4.06%
36-47 months	3.90%	3.96%
48-59 months	3.80%	3.85%
60 months	3.75%	3.80%

APR= Annual Percentage Rate. APY= Annual Percentage Yield. $500 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. All rates are subject to change without notice.

Traditional, Roth, SEP & Education IRA Certificate

Term	APR	APY
12-17 months	4.40%	4.47%
18-23 months	4.15%	4.22%
24-35 months	4.05%	4.11%
36-47 months	3.95%	4.01%
48-59 months	3.85%	3.91%
60 months	3.80%	3.85%

APR= Annual Percentage Rate. APY= Annual Percentage Yield. $1,000 minimum balance required. Computed daily from day of deposit to the day of withdrawal, paid and compounded quarterly. Terms less than 6 months will pay at maturity. All rates are subject to change without notice.

Loan Rates

The more you use Library of Congress FCU, the more you could save on vehicle, personal and FHA Home Improvement loans.**

Learn More About Loan Discounts

New or Used Vehicle Loan**

Autos, Trucks, SUVs, Motorcycles

Terms	APR*
Up to 144 Months	4.65% - 17.01%

*APR = Annual Percentage Rate. Your Personalized Lending credit decision will be based on your overall creditworthiness. **Personal, Vehicle and FHA Home improvement loans may be eligible for RATE DISCOUNTS when you sign up for or use: LCFCU Visa Credit Card (.25% APR* discount); Automatic transfers/Allotment (.25% APR* discount); Free checking with/Net Pay (.50% APR* discount). Maximum discount on any loan is .50% Annual Percentage Rate with no discounted rate below the designated minimum rate for that loan type.

New or Used Recreational Vehicle Loan**

Boats, RVs and Motorhomes

Terms	APR*
Up to 144 Months	4.65% - 17.01%

*APR = Annual Percentage Rate. Your Personalized Lending credit decision will be based on your overall creditworthiness. **Personal, Vehicle and FHA Home improvement loans may be eligible for RATE DISCOUNTS when you sign up for or use: LCFCU Visa Credit Card (.25% APR* discount); Automatic transfers/Allotment (.25% APR* discount); Free checking with/Net Pay (.50% APR* discount). Maximum discount on any loan is .50% Annual Percentage Rate with no discounted rate below the designated minimum rate for that loan type.

Second Chance Refinance Loan**

Terms	APR*
Up to 144 Months	4.65% - 17.01%

*APR = Annual Percentage Rate. Your Personalized Lending credit decision will be based on your overall creditworthiness. **Personal, Vehicle and FHA Home improvement loans may be eligible for RATE DISCOUNTS when you sign up for or use: LCFCU Visa Credit Card (.25% APR* discount); Automatic transfers/Allotment (.25% APR* discount); Free checking with/Net Pay (.50% APR* discount). Maximum discount on any loan is .50% Annual Percentage Rate with no discounted rate below the designated minimum rate for that loan type.Personal, Vehicle and FHA Home improvement rates may be eligible for discounts.

Personal Loan**

Terms	APR*
Up to 84 Months***	9.25% - 17.90%

*APR = Annual Percentage Rate. Your Personalized Lending credit decision will be based on your overall creditworthiness. **Personal, Vehicle and FHA Home improvement loans may be eligible for RATE DISCOUNTS when you sign up for or use: LCFCU Visa Credit Card (.25% APR* discount); Automatic transfers/Allotment (.25% APR* discount); Free checking with/Net Pay (.50% APR* discount). Maximum discount on any loan is .50% Annual Percentage Rate with no discounted rate below the designated minimum rate for that loan type. *** Up to $50,000

Line of Credit

Amount	APR*
Up to $10,000	9.50% - 17.50%

Rates may adjust quarterly. Rates based on creditworthiness. Not all applicants will qualify for the lowest rate. All rates are subject to change without notice.

Mortgage Loan

Terms	APR*
3-Year Adjustable, No Points	Call for daily rates and terms
Fixed-Rate, 5/1 & 7/1	Call for daily rates and terms

Home Equity Loan

Fixed Rate (90% appraised value less mortgage)

Terms	APR*
60 Months	6.15%
120 Months	6.40%
180 Months	6.65%

Home Equity Line of Credit (HELOC)

6-month introductory rate 3.50%

Terms	APR*
up to 80% of value $100,000+	Prime + 0
up to 90% of value up to $100,000	Prime + 0
up to 100% of value up to $50,000	Prime + 2

Wall Street Journal current prime rate

FHA Home Improvement Loan**

Up to $7,500

Terms	APR*
36 months	7.50%**
48 months	8.00%**
60 months	8.50%**

**Personal, Vehicle and FHA Home improvement loans may be eligible for RATE DISCOUNTS when you sign up for or use: LCFCU Visa Credit Card (.25% APR* discount); Automatic transfers/Allotment (.25% APR* discount); Free checking with/Net Pay (.50% APR* discount). Maximum discount on any loan is .50% Annual Percentage Rate with no discounted rate below the designated minimum rate for that loan type.

Credit Card

	APR*
Purchases	9.75%
Cash Advance & Balance Transfer	8.75%

Stretch Pay

Account	APR
PayDay Alternative	18.00%

Savings Secured Loan

Account	APR*
Share 60 Month (to balance)	Dividend Rate + 3.00%
Secured Certificate Term (to balance)	Dividend Rate + 3.00%