RATES LOCATION & HOURS CONTACT APPLY NOW ONLINE BANKING (OPENS IN A NEW WINDOW) BANK BORROW LEARN COMMUNITY ACCESS ABOUT US Loan Rates Member owned results in better rates Rates effective as of September 1, 2020 Auto Loan Rates Oldest model is current year minus 7 New is 2020-2021 up to 7,500 miles Minimum $30,000 to finance up to 84 months. NEW up to 100% MSRP/KBB for Motorcycle, regardless of paper grade. Includes taxes, GAP, and MBP. USED up to 90% LTV. Type/Term* APR** Estimated Monthly Payment based on New Auto*** - 60 Months (Up to 125% MSRP***) As low as 2.14% $17.59 per $1,000.00 New Auto*** - 72 Months (Up to 125% MSRP***) As low as 2.39% $14.92 per $1,000.00 New Auto*** - 84 Months (Up to 125% MSRP***) As low as 2.89% $13.16 per $1,000.00 Used Auto*** - 60 Months (Up to 125% KBB****) As low as 2.64% $17.81 per $1,000.00 Used Auto*** - 72 Months (Up to 125% KBB****) As low as 2.89% $15.14 per $1,000.00 Used Auto*** - 84 Months (Up to 125% KBB****) As low as 3.89% $13.62 per $1,000.00 * Maximum term not available on all loan requests. Collateral must be no more than 7 years old with less than 100,000 miles. Loans made only to residents of California and on personal use vehicles purchased and registered in California. The Credit Union rates for our loan programs feature a range of rates. ** APR=Annual Percentage Rate. "APR As Low As" rates and payments listed are our best fixed rates and include a .25% rate discount for Automatic Payment from an account at LBCEFCU and a .25% rate discount if applicant(s) have an existing loan with LBCEFCU that will not be paid off as part of the new loan being applied for. (i.e. trade-in) Actual interest rate offered may be higher and is determined by a combination of underwriting factors such as credit, income, loan-to-value and creditworthiness. Rates are .50% higher without the automatic payment and existing loan discounts. Rates subject to change without notice. *** Maximum amount for a New Auto loan , defined as model years 2018-2021, 125% of manufacturer's suggested retail price. *** Maximum amount for a Used Auto loan, defined as model years 2013-2017 , is 125% of Kelley Blue Book retail value. Additional restrictions may apply. Motorcycle Type/Term APR** Estimated Monthly Payment based on New - Up to 60 months As low as 3.25% $18.09 per $1000 New - Up to 72 months As low as 4.95% $16.09 per $1000 New - Up to 84 months As low as 5.50% $14.38 per $1000 Used - Up to 60 months As low as 3.50% $18.20 per $1000 Used - Up to 72 months As low as 5.25% $16.23 per $1000 ** APR=Annual Percentage Rate. "APR As Low As" rates and payments listed are our best fixed rates and include a .25% rate discount for Automatic Payment from an account at LBCEFCU and a .25% rate discount if applicant(s) have an existing loan with LBCEFCU that will not be paid off as part of the new loan being applied for. (i.e. trade-in) Actual interest rate offered may be higher and is determined by a combination of underwriting factors such as credit, income, loan-to-value and creditworthiness. Rates are .50% higher without the automatic payment and existing loan discounts. Rates subject to change without notice. Maximum term not available on all loan requests. Collateral must be no more than 7 years old with less than 100,000 miles. Loans made only to residents of California and on personal use vehicles purchased and registered in California. The Credit Union rates for our loan programs feature a range of rates. *** Maximum LTV amount for a new Motorcycle loan , defined as model years 2020-2021, 100% of manufacturer's suggested retail price. *** Maximum LTV amount for a Used Motorcycle loan, defined as model years current minus 7 years, is 90% of Kelley Blue Book retail value. Additional restrictions may apply. Recreational Vehicle Loan Rates (RV, New Boats, Fifth Wheels, Jet Skis and Other Specialty Vehicles) Amount Financed Max. Term* APR** Estimated Monthly Payment based on New - 72 Months (Up to 100% MSRP***) 72 Months As low as 4.14 $15.72 per $1,000.00 New - 84 Months (Up to 100% MSRP***) 84 Months As low as 4.39 $13.86 per $1,000.00 New - 120 Months (Up to 100% MSRP***) 120 Months As low as 4.89 $10.56 per $1,000.00 New - 180 Months (Up to 100% MSRP***) 180 Months As low as 5.39 $8.12 per $1,000.00 Used - 72 Months (Up to 90% KBB****) 72 Months As low as 4.14 $15.72 per $1,000.00 Used - 84 Months (Up to 90% KBB****) 84 Months As low as 4.39 $13.86 per $1,000.00 Used - 120 Months (Up to 90% KBB****) 120 Months As low as 4.89 $10.56 per $1,000.00 Used - 180 Months (Up to 90% KBB****) 180 Months As low as 5.39% $8.12 per $1,000.00 ** APR=Annual Percentage Rate. "APR As Low As" rates and payments listed are our best fixed rates and include a .25% rate discount for Automatic Payment from an account at LBCEFCU and a .25% rate discount if applicant(s) have an existing loan with LBCEFCU that will not be paid off as part of the new loan being applied for. (i.e. trade-in) Actual interest rate offered may be higher and is determined by a combination of underwriting factors such as credit, income, loan-to-value and creditworthiness. Rates are .50% higher without the automatic payment and existing loan discounts. Rates subject to change without notice.* Maximum term not available on all loan requests. Collateral must be a 2014 or newer model with less than 100,000 miles. 2020-2021 Vehicles with less than 7,500 miles may be considered as new.Loans made only to residents of California and on personal use vehicles purchased and registered in California. The Credit Union rates for our leisure loan programs feature a range of rates. *** Maximum amount for a New Recreational Vehicle is 100% of manufacturer's suggested retail price. **** Maximum amount for a Used Rectreational Vehicle is 90% of Kelley Blue Book or NADA retail value. Additional restrictions may apply. Personal Loan Rates Amount Financed Max. Term* APR** Estimated Monthly Payment based on $500 to $25,000 48 Months As low as 7.99 $24.41 per $1,000.00 $500 to $25,000 60 Months As low as 8.99 $20.75 per $1,000.00 ** APR=Annual Percentage Rate. "APR As Low As" rates and payments listed are our best fixed rates and include a .25% rate discount for Automatic Payment from an account at LBCEFCU and a .25% rate discount if applicant(s) have an existing loan with LBCEFCU that will not be paid off as part of the new loan being applied for. (i.e. trade-in) Actual interest rate offered may be higher and is determined by a combination of underwriting factors such as credit, income, loan-to-value and creditworthiness. Rates are .50% higher without the automatic payment and existing loan discounts. Rates subject to change without notice.* Maximum term and loan amount not available on all loan requests. The Credit Union rates for our personal/signature loan programs feature a range of rates. Share Secured Loan Rates Amount Financed Max. Term* APR** Estimated Monthly Payment based on Available Regular Shares 60 Months As low as 2.75 $17.86 per $1,000.00 ** APR=Annual Percentage Rate. "APR As Low As" rates and payments listed are our best fixed rates and include a .25% rate discount for Automatic Payment from an account at LBCEFCU and a .25% rate discount if applicant(s) have an existing loan with LBCEFCU that will not be paid off as part of the new loan being applied for. (i.e. trade-in) Actual interest rate offered may be higher and is determined by a combination of underwriting factors such as credit, income, loan-to-value and creditworthiness. Rates are .50% higher without the automatic payment and existing loan discounts. Rates subject to change without notice. In This Section RATES DIVIDEND RATES LOAN RATES Quick Links APPLY for Membership APPLY for a Loan DOWNLOAD Applications & Forms ORDER Checks (opens in a new window) FINANCIAL Calculators Long Beach City Employees Federal Credit Union 2801 Temple Ave. Signal Hill, CA 90755 562-595-4725 Toll-free: 1-800-595-4725 (CA Only) Routing #: 322276839 NLMS #: 525616 Your savings are federally insured to at least $250,000 and backed by the full faith and credit of the United States Government (opens in a new window) (opens in a new window) Privacy Policy Terms & Conditions Accessibility Statement © 2021 Long Beach City Employees Federal Credit Union. All Rights Reserved. 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