LOG IN Loan Rates Which type of rates do you want to see? Loan Rates Deposit Rates Auto & Motorcycle Loans Powersports Loans Boat Loans RV Loans Manufactured Home Loans Personal Loans Home Equity Loans Home Equity Line of Credit Mortgage Refi Express Fixed Rate Mortgage Adjustable Rate Mortgage (ARM) Low Down/Cash Out Mortgage Construction Loans Lot Loans FHA/VA Mortgage Loans Auto & Motorcycle Loans1 APPLY ONLINE Model Year Term APR1 Pmt/$1,0002 2021 - 2020 Up to 36 1.89% $29.50 48 2.09% $22.64 63 2.19% $17.74 75 2.99% $15.57 ($28K Min. MSRP) 84 4.14% $14.70 2019 36 1.89% $29.50 48 2.19% $22.69 63 2.29% $17.78 75 3.09% $15.62 2018 36 1.89% $29.50 48 2.29% $22.74 63 2.39% $17.83 75 3.19% $15.67 2017 36 2.24% $29.66 48 2.44% $22.80 63 2.74% $17.99 75 4.04% $16.07 2016 36 2.89% $29.95 48 3.09% $23.10 63 3.39% $18.29 2015 - 2014 36 3.09% $30.04 48 3.29% $23.19 2013 and older 36 3.29% $30.13 48 3.79% $23.42 Powersports Loans1 APPLY ONLINE Model Year Term APR Pmt/$1,0002 2021-2018 Up to 63 months 5.49% $19.27 72 (≥$10,000 MSRP) 5.69% $17.41 2017 & Older 63 months 5.79% $19.42 72 (≥$10,000 MSRP) 5.99% $17.56 Boat Loans1 APPLY ONLINE Term Loan Amount APR Pmt/$1,0002 Up to 63 months 3.90% $18.52 84 (≥$10,000) 4.65% $14.95 120 (≥$20,000) 4.65% $11.46 180 (≥$20,000) 4.70% $7.76 RV Loans APPLY ONLINE Term Loan Amount APR Pmt/$1,0002 Up to 84 months (≥$10,000) 5.90% $15.57 120 (≥$20,000) 6.90% $12.65 180 (≥$20,000) 8.50% $11.09 Fixed term Mobile Home loans may be amortized up to 15 years. Manufactured Home Loans APPLY ONLINE Term Loan Amount APR Pmt/$1,0003 Up to 84 months (≥$10,000) 5.90% $14.57 120 (≥$20,000) 6.90% $11.57 180 (≥$20,000) 8.50% $9.85 Fixed term Mobile Home loans may be amortized up to 15 years. Personal Loans - Unsecured APPLY ONLINE Term APR Pmt/$1,000 Up to 48 months 8.90% $25.822 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 APPLY ONLINE Term APR Pmt/$1,0003 Up to 60 months 3.74% $18.30 84 4.24% $13.78 120 4.49% $10.36 180 5.54% $8.20 240 6.65% $7.55 Home Equity Line of Credit APPLY ONLINE Term APR Locked for 12 months 1.49%6 Regular Rate 3.99% 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 APPLY ONLINE Term Rate APR Points Pmt/$10003 8 Year 2.45% 2.45% 0.00% $11.49 10 Year 2.55% 2.55% 0.00% $9.45 12 Year 2.60% 2.60% 0.00% $8.10 Mortgage Loans - Fixed Rate APPLY ONLINE Term Rate APR Points Pmt8 30 Year 2.750% 2.901% 1.50% $4.08 30 Year 3.000% 3.035% 0.00% $4.21 30 Year - No Cost* 3.250% 3.285% 0.00% $4.35 20 Year 2.625% 2.673% 0.00% $5.36 20 Year - No Cost* 2.875% 2.924% 0.00% $5.49 15 Year 2.250% 2.312% 0.00% $6.55 15 Year - No Cost* 2.500% 2.562% 0.00% $6.67 10 Year 2.125% 2.281% 0.00% $9.26 10 Year - No Cost* 2.375% 2.535% 0.00% $9.37 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. *For No Cost program, down payment as low as 3%; maximum loan amount $548,250. No Cost program available only for single-family owner-occupied homes; application fee is refunded at closing. Adjustable Rate Mortgage (ARM) Program APPLY ONLINE Term Rate APR Points Pmt8 1 Year ARM 2.250% 3.002% 0.00% $3.82 3 Year ARM 2.250% 2.897% 0.00% $3.82 5 Year ARM 2.375% 2.846% 0.00% $3.89 7 Year ARM 2.750% 2.948% 0.00% $4.08 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 5%. No conversion option. Low Down Payment/Cash Out ARMs APPLY ONLINE Term Rate APR Points Pmt8 5 Year - 97% Purchase 2.375% 2.846% 0.00% $3.89 5 Year ARM - 95% Cash Out Refi 2.375% 2.846% 0.00% $3.89 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 CONTACT LOAN OFFICER Term Rate APR Points Pmt8 1 Year ARM 2.250% 3.002% 0.00% $3.82 3 Year ARM 2.250% 2.897% 0.00% $3.82 5 Year ARM 2.375% 2.846% 0.00% $3.89 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 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 3.625% 3.106% 0.00% $4.56 3 Year ARM 3.750% 3.220% 0.00% $4.63 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. FHA/VA Mortgage Loans CONTACT LOAN OFFICER Term Rate APR Points Pmt8 30 Year 3.375% 4.377% 0.00% $4.42 FHA loans require a 3.5% down payment. Most VA loans require a 0% down payment. Related Content Auto, Truck and Motorcycle Loans Landmark has the resources and information to help you make the right choice. View your options for financing a car. 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. Personal Loans & Line of Credit Looking to borrow money for upcoming expenses? An unsecured personal loan might be the right choice. 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 3.74% APR would be $18.30 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 1.49% 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 3.25%) 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%. Minimum credit line is $10,000. Homeowner’s insurance required. Early termination fee applies. Landmark HELOCs may be modified for an $89 fee, additional qualifying criteria and restrictions may apply. 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 2.45% APR, payments would be $11.49 per $1,000 borrowed; for a 10-year mortgage at 2.55% APR, payments would be $9.45 per $1,000 borrowed; for a 12-year mortgage at 2.60% APR, payments would be $8.10 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 3.000% loan for $150,000 would be: 150 X $4.21= $631.50 per month. All rates and terms are subject to change without notice. Actual payments will be higher with taxes and insurance. HELP/FAQS ONLINE BANKING MEMBER RESOURCES ONLINE CALCULATORS NEWS & BLOG EVENTS CALENDAR Routing Number: 275079714 Have a Question? ©2021 Landmark Credit Union. Disclosures Security Site Map Privacy Policy Terms and Conditions