Legacy Federal Credit Union

When you need to borrow money, you want to know that it will be a pleasant experience. At the Credit Union, loans are our specialty. You can count on friendly personal service by one of our experienced loan officers. Credit Unions were founded to provide affordable credit to members.

LOANS	APR*		APR*
PERSONAL LOAN	12.00%	TO	15.00%
LINE OF CREDIT	8.25%	TO	15.00%
AUTO LOANS 1998-PRESENT
100% FINANCE	4.75%	TO	11.50%
EARLY MODEL AUTOS < 1997
100% FINANCE	5.25%	TO	12.25%
VISA CREDIT CARDS	12.50%	TO	17.90%
SHARE SECURED VISA CR	11.90%
SHARE SECURED LOAN	6.00%
2ND MORTGAGE HELOC	8.25%

Rates are quoted as of 04-17-08 and are subject to change. The Credit Union offers a .25% rate discount if the member finances 80% or less of the MSRP on new cars or NADA value of used cars. You may also get a .25% rate reduction on fixed rate loans if you have your payment made automatically from a Legacy Credit Union account. APR = annual percentage rate

We loan money for almost any worthwhile purpose: automobiles, education, home improvement, bill consolidation, recreational vehicles, first and second mortgages and lines of credit. Compare our rates with other lenders; we think you will find that they are the best around. In most instances you can get an approval in minutes. There are no loan fees at your Credit Union. Sign up for payroll deduction and your payment can be automatically deducted from your paycheck. There are reductions in interest rates for automatic payments also! You won’t have to remember to write a check each month for your loan. You can apply for a consumer loan 24/7,online!

VISA Credit Cards: Get the convenience and worldwide recognition of the VISA name with the Legacy Federal Credit Union guarantee of good service, low interest rates, 25 day grace period and a low $10 annual fee (fee waived if you have a LFCU checking account also). If you are currently carrying another VISA card, we think that you will find it to your advantage to transfer the balance to a Legacy VISA. You will receive a comprehensive monthly statement showing all activity on your account. To find out information on your current Legacy Visa go to www.eZCardInfo.com .

Line of Credit: Much like a VISA, but without the card, a Line of Credit lets you borrow up to a predetermined credit limit anytime. You don’t have to make a separate application each time you need money. It may also be used for overdraft protection for your checking account.

Mortgage Loans: Both 1^st and 2^nd mortgages including HELOC (line of credit 2^nd’s )are available through the Credit Union. Compare rates and fees, we think you will find that the Credit Union is more than competitive. You may also arrange to have your mortgage payment made automatically from any of your accounts. To apply now for a First Mortgage loan, go to http://loanline.mortgagewebcenter.com/Default.asp?bhcp=1.