{"id":4357,"date":"2025-12-02T20:04:07","date_gmt":"2025-12-02T20:04:07","guid":{"rendered":"https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/rates\/rates-2\/"},"modified":"2026-03-31T19:31:51","modified_gmt":"2026-03-31T19:31:51","slug":"rates-2","status":"publish","type":"page","link":"https:\/\/www.lcfcu.org\/wph\/workarea\/resources\/rates\/rates-2\/","title":{"rendered":"Rates"},"content":{"rendered":"\n<p>Effective <strong>April 1, 2026<\/strong><br>Click to view the <a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/wp-content\/uploads\/2025\/05\/Library-of-CongressFCU-Savings-Loan-CurrentRATES.pdf\">current <strong>Saving\/Loan Rates PDF<\/strong><\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Savings Rates<\/h2>\n\n\n\n<table id=\"tablepress-7\" class=\"tablepress tablepress-id-7\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Account<\/th><th class=\"column-2\">APR<\/th><th class=\"column-3\">APY<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Share Savings<br \/>\nIncludes Holiday &amp; Vacation Club<\/td><td class=\"column-2\">0.15%<\/td><td class=\"column-3\">0.15%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">IRA Share Savings<br \/>\nIncludes Traditional, Roth &amp; Education<\/td><td class=\"column-2\">0.50%<\/td><td class=\"column-3\">0.50%<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">Share Draft Checking<\/td><td class=\"column-2\">0.05%<\/td><td class=\"column-3\">0.05%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Money Market Share Account<\/h2>\n\n\n\n<table id=\"tablepress-6\" class=\"tablepress tablepress-id-6\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Account Balance<\/th><th class=\"column-2\">APR<\/th><th class=\"column-3\">APY<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">$2,500 - $19,999.99<\/td><td class=\"column-2\">1.15%<\/td><td class=\"column-3\">1.16%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">$20,000 - $74,999.99<\/td><td class=\"column-2\">1.35%<\/td><td class=\"column-3\">1.36%<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">$75,000+<\/td><td class=\"column-2\">1.55%<\/td><td class=\"column-3\">1.56%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p><em>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.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Monthly Dividend Certificate<\/h2>\n\n\n\n\n<table id=\"tablepress-5\" class=\"tablepress tablepress-id-5\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Term<\/th><th class=\"column-2\">APR<\/th><th class=\"column-3\">APY<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">24 months<\/td><td class=\"column-2\">3.40%<\/td><td class=\"column-3\">3.45%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p><meta charset=\"utf-8\"><em><em>APR= Annual Percentage Rate. APY= Annual Percentage Yield. $5,000 minimum balance required<\/em><\/em>. <em><em>Computed daily from day of deposit to the day of withdrawal, paid and compounded monthly. <\/em><\/em> <em>All rates are subject to change without notice<\/em>.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Share Certificate<\/h2>\n\n\n\n<table id=\"tablepress-3\" class=\"tablepress tablepress-id-3\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Term<\/th><th class=\"column-2\">APR<\/th><th class=\"column-3\">APY<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">3-5 months<\/td><td class=\"column-2\">1.95%<\/td><td class=\"column-3\">1.96%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">6-11 months<\/td><td class=\"column-2\">3.35%<\/td><td class=\"column-3\">3.39%<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">12-17 months<\/td><td class=\"column-2\">3.65%<\/td><td class=\"column-3\">3.70%<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">18-23 months<\/td><td class=\"column-2\">3.55%<\/td><td class=\"column-3\">3.60%<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">24-35 months<\/td><td class=\"column-2\">3.45%<\/td><td class=\"column-3\">3.49%<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">36-47 months<\/td><td class=\"column-2\">3.50%<\/td><td class=\"column-3\">3.55%<\/td>\n<\/tr>\n<tr class=\"row-8 even\">\n\t<td class=\"column-1\">48-59 months<\/td><td class=\"column-2\">3.55%<\/td><td class=\"column-3\">3.60%<\/td>\n<\/tr>\n<tr class=\"row-9 odd\">\n\t<td class=\"column-1\">60 months<\/td><td class=\"column-2\">3.55%<\/td><td class=\"column-3\">3.60%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p><meta charset=\"utf-8\"><em><meta charset=\"utf-8\"><em>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.<\/em><\/em> <em>All rates are subject to change without notice<\/em>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Traditional, Roth, SEP &amp; Education IRA Certificate<\/h2>\n\n\n\n<table id=\"tablepress-4\" class=\"tablepress tablepress-id-4\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Term<\/th><th class=\"column-2\">APR<\/th><th class=\"column-3\">APY<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">12-17 months<\/td><td class=\"column-2\">3.70%<\/td><td class=\"column-3\">3.75%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">18-23 months<\/td><td class=\"column-2\">3.60%<\/td><td class=\"column-3\">3.65%<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">24-35 months<\/td><td class=\"column-2\">3.50%<\/td><td class=\"column-3\">3.55%<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\">36-47 months<\/td><td class=\"column-2\">3.55%<\/td><td class=\"column-3\">3.60%<\/td>\n<\/tr>\n<tr class=\"row-6 even\">\n\t<td class=\"column-1\">48-59 months<\/td><td class=\"column-2\">3.60%<\/td><td class=\"column-3\">3.65%<\/td>\n<\/tr>\n<tr class=\"row-7 odd\">\n\t<td class=\"column-1\">60 months<\/td><td class=\"column-2\">3.60%<\/td><td class=\"column-3\">3.65%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p><em>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.<\/em> <em>All rates are subject to change without notice<\/em>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"loans\">Loan Rates<\/h2>\n\n\n\n<p>The more you use Library of Congress FCU, the more you could save on vehicle, personal and FHA Home Improvement loans.**<\/p>\n\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/loans\/personal\/loan-discounts\/' target='_self' rel='noopener noreferrer'>Learn More About Loan DISCOUNTS<\/a>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/resources\/applications-forms-disclosures\/applications-forms-2' target='_self' rel='noopener noreferrer'>Apply For a Loan<\/a>\n\t\t\t\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">New or Used Vehicle Loans &amp; Refinancing**<\/h2>\n\n\n\n<p>Autos, Trucks, SUVs, Motorcycles<\/p>\n\n\n\n<table id=\"tablepress-18\" class=\"tablepress tablepress-id-18\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Terms<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Up to 144 Months<\/td><td class=\"column-2\">4.15% - 16.51%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p>*<em>APR = Annual Percentage Rate. Your Personalized Lending credit decision will be based on your overall creditworthiness. Refinancing not available on existing LCFCU loans.<\/em> **<em>Personal, Vehicle and FHA Home improvement loans may be eligible for <strong><a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/loan-discounts\/\">RATE DISCOUNTS<\/a><\/strong> 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.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">New or Used Recreational Vehicle Loan**<\/h2>\n\n\n\n<p>Boats, RVs and Motorhomes<\/p>\n\n\n\n<table id=\"tablepress-18-no-2\" class=\"tablepress tablepress-id-18\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Terms<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Up to 144 Months<\/td><td class=\"column-2\">4.15% - 16.51%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p><meta charset=\"utf-8\">*<em>APR = Annual Percentage Rate. Your Personalized Lending credit decision will be based on your overall creditworthiness.<\/em> **<em>Personal, Vehicle and FHA Home improvement loans may be eligible for <strong><a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/loan-discounts\/\">RATE DISCOUNTS<\/a><\/strong> 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.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Second Chance Refinance Loan**<\/h2>\n\n\n\n<table id=\"tablepress-18-no-3\" class=\"tablepress tablepress-id-18\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Terms<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Up to 144 Months<\/td><td class=\"column-2\">4.15% - 16.51%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p>*<em>APR = Annual Percentage Rate. Your Personalized Lending credit decision will be based on your overall creditworthiness.<\/em> <em>**<em>Personal, Vehicle and FHA Home improvement <em>loans may be eligible for <strong><a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/loan-discounts\/\">RATE DISCOUNTS<\/a><\/strong> <\/em>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.<\/em>Personal, Vehicle and FHA Home improvement rates may be eligible for discounts.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Personal Loan up to $50,000**<\/h2>\n\n\n\n<table id=\"tablepress-19\" class=\"tablepress tablepress-id-19\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Terms<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Up to 84 Months***<\/td><td class=\"column-2\">9.25% - 17.90%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p>*<em>APR = Annual Percentage Rate. Your Personalized Lending credit decision will be based on your overall creditworthiness.<\/em> **<em>Personal, Vehicle and FHA Home improvement <em>loans may be eligible for <strong><a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/loan-discounts\/\">RATE DISCOUNTS<\/a><\/strong> <\/em>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<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Line of Credit<\/h2>\n\n\n\n<table id=\"tablepress-20\" class=\"tablepress tablepress-id-20\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Amount<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Up to $10,000<\/td><td class=\"column-2\">9.00% - 17.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p><em>Rates may adjust quarterly. Rates based on creditworthiness. Not all applicants will qualify for the lowest rate.<\/em> <em>All rates are subject to change without notice<\/em>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Mortgage Loan<\/h2>\n\n\n\n<table id=\"tablepress-21\" class=\"tablepress tablepress-id-21\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Terms<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">3-Year Adjustable, No Points<\/td><td class=\"column-2\">Call for daily rates and terms<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Fixed-Rate, 5\/1 &amp; 7\/1 <\/td><td class=\"column-2\">Call for daily rates and terms<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Home Equity Loan<meta charset=\"utf-8\"><\/meta>\/Second Trust<\/h2>\n\n\n\n<p><em>Fixed Rate (90% appraised value less mortgage)<\/em><\/p>\n\n\n\n<table id=\"tablepress-22\" class=\"tablepress tablepress-id-22\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Terms<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">60 Months<\/td><td class=\"column-2\">6.00%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">120 Months<\/td><td class=\"column-2\">6.25%<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">180 Months<\/td><td class=\"column-2\">6.50%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Home Equity Line of Credit (HELOC)<\/h2>\n\n\n\n<p><meta charset=\"utf-8\"><em>6-month introductory rate 3.50% APR*<\/em><\/p>\n\n\n\n<table id=\"tablepress-23\" class=\"tablepress tablepress-id-23\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Terms<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">up to 80% of value $100,000+<\/td><td class=\"column-2\">Prime + 0<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">up to 90% of value up to $100,000<\/td><td class=\"column-2\">Prime + 0<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">up to 100% of value up to $50,000<\/td><td class=\"column-2\">Prime + 2<\/td>\n<\/tr>\n<tr class=\"row-5 odd\">\n\t<td class=\"column-1\"><\/td><td class=\"column-2\"><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p><em><sub>*APR=Annual Percentage Rate. 3.50% APR fixed for initial six months of term. After six month rate ends, HELOC converts to standard APR as low as Prime (Wall Street Journal current prime rate) +0. APR shown applies to existing &amp; new HELOCs with a min. advance of $10,000.<\/sub><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">FHA Home Improvement Loan**<\/h2>\n\n\n\n<p>Up to $7,500<\/p>\n\n\n\n<table id=\"tablepress-24\" class=\"tablepress tablepress-id-24\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Terms<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">36 months<\/td><td class=\"column-2\">7.50%**<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">48 months<\/td><td class=\"column-2\">8.00%**<\/td>\n<\/tr>\n<tr class=\"row-4 even\">\n\t<td class=\"column-1\">60 months<\/td><td class=\"column-2\">8.50%**<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<p>**<em>Personal, Vehicle and FHA Home improvement loans may be eligible for <strong><a href=\"https:\/\/www.lcfcu.org\/wph\/workarea\/loans\/personal\/loan-discounts\/\">RATE DISCOUNTS<\/a><\/strong> 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.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Credit Card<\/h2>\n\n\n\n<table id=\"tablepress-25\" class=\"tablepress tablepress-id-25\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">&nbsp;<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Purchases<\/td><td class=\"column-2\">9.75%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Cash Advance &amp; Balance Transfer<\/td><td class=\"column-2\">8.75%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<h2 class=\"wp-block-heading\">Stretch Pay<\/h2>\n\n\n\n<table id=\"tablepress-26\" class=\"tablepress tablepress-id-26\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Account<\/th><th class=\"column-2\">APR<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">PayDay Alternative<\/td><td class=\"column-2\">18.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\n<h2 class=\"wp-block-heading\">Savings Secured Loan<\/h2>\n\n\n\n<table id=\"tablepress-27\" class=\"tablepress tablepress-id-27\">\n<thead>\n<tr class=\"row-1 odd\">\n\t<th class=\"column-1\">Account<\/th><th class=\"column-2\">APR*<\/th>\n<\/tr>\n<\/thead>\n<tbody class=\"row-hover\">\n<tr class=\"row-2 even\">\n\t<td class=\"column-1\">Share 60 Month (to balance)<\/td><td class=\"column-2\">Dividend Rate + 3.00%<\/td>\n<\/tr>\n<tr class=\"row-3 odd\">\n\t<td class=\"column-1\">Secured Certificate Term (to balance)<\/td><td class=\"column-2\">Dividend Rate + 3.00%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n\t\t\t<div class=\"disclaimer \">\n\t\t\t\t\n\n<p><em>*APR= Annual Percentage Rate. All rates are subject to change without notice. Your Personalized Lending credit decision will be based on your overall creditworthiness.<\/em><\/p>\n\n\t\t\t<\/div>\n\t\t\t\n\n\t\t\t<a  class='btn btn-1' href='https:\/\/www.lcfcu.org\/resources\/applications-forms-disclosures\/applications-forms-2' target='_self' rel='noopener noreferrer'>Apply For a Loan<\/a>\n\t\t\t\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"Effective April 1, 2026Click to view the current Saving\/Loan Rates PDF Savings Rates Money Market Share Account 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 APR= [&hellip;]","protected":false},"author":16,"featured_media":1344,"parent":987,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","attr_subtitle":[],"attr_date":[],"attr_excerpt":[],"attr_secondary_image":[],"footnotes":""},"class_list":["post-4357","page","type-page","status-publish","has-post-thumbnail","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Rates - Library Of Congress FCU<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Rates - Library Of Congress FCU\" \/>\n<meta property=\"og:description\" content=\"Effective April 1, 2026Click to view the current Saving\/Loan Rates PDF Savings Rates Money Market Share Account APR=Annual Percentage Rate. 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