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Loan Rates

First Time Auto Buyer
APR* Term*
7.99% OAC New Auto Up to 72 Month OAC
7.99% OAC Used Auto Up to 72 Month OAC

* Annual Percentage Rate will be based on your creditworthiness. Rates vary with the amount financed, term, and credit history. Terms will be determined by the amount borrowed; *84 mo term requires loan to value of at least $20,000. The late fee is $25. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Contact the Credit Union for APR, terms, and conditions on New and Used Auto Loans. Not available for refinancing of an existing Lassen County Federal Credit Union loan. Rates are effective as of 09/01/2020.

2022-2023 New Vehicle Rates
APR* as low as Term*
4.75% OAC Up to 48 Month OAC
4.85% OAC  49 Up to 63 Month OAC
5.10% OAC 64 Up to 75 Month OAC
5.25% OAC 76 Up to *84 Month OAC
2022-2023 New Vehicle Rates 90% LTV
APR* as low as Term*
4.25% OAC Up to 48 Month OAC
4.35% OAC 49 Up to 63 Month OAC
4.60% OAC 64 Up to 75 Month OAC
4.75% OAC 76 Up to *84 Month OAC
2011-2021 Used Vehicle Rates
APR* as low as Term*
4.80% OAC Up to 48 Month OAC
4.95% OAC 49 Up to 63 Month OAC
5.20% OAC 64 Up to 75 Month OAC
5.35% OAC 76 Up to 84 Month OAC
2011-2021 Used Vehicle Rates 90% LTV
APR* as low as Term*
4.30% OAC Up to 48 Month OAC
4.45% OAC 49 Up to 63 Month OAC
4.70% OAC 64 Up to 75 Month OAC
4.95% OAC 76 Up to 84 Month OAC

* Annual Percentage Rate will be based on your creditworthiness. Rates vary with the amount financed, term, and your credit history. Terms will be determined by the amount borrowed; *84 mo term requires loan to value of at least $25,000. The late fee is $25. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Contact the Credit Union for APR, terms, and conditions on New and Used Auto Loans. Not available for refinancing of an existing Lassen County Federal Credit Union loan. Rates are effective as of  1/25/2023.

Boat Loans
APR* as low as Term
NEW 7.25% OAC Term based on credit
USED 7.75% OAC Term based on credit

* Annual Percentage Rate will be based on your credit worthiness. Rates vary with amount financed, term, vehicle age and your credit history. Terms will be determined by year and amount borrowed. 95% financing available.  Late fee is $25. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Contact the Credit Union for APR, terms, and conditions on New and Used Boat and Off Road Vehicle Loans. Not available for refinance of an existing Lassen County Federal Credit Union loan. Rates are effective as of 6/1/2022.

Motorcycle Loan
APR* as low as Term*
NEW 7.25% OAC Up to *84 Months OAC
USED 7.75% Up to *84 Months OAC

* Annual Percentage Rate will be based on your credit worthiness.  Rates vary with amount financed, term, vehicle age and your credit history.  Terms will be determined by year and amount borrowed.  90% financing available.  Late fee is $25.  Some restrictions apply.  Rates, terms, and conditions are subject to change without notice.  Contact the Credit Union for APR, terms, and conditions on New and Used Boat and Off Road Vehicle Loans.  Not available for refinance of an existing Lassen County Federal Credit Union loan.  Rates are effective as of 09/14/2020.

Off Road Vehicle Loan
APR* as low as Term
New 7.25% OAC Up to 84 months OAC
USED 7.75% OAC Up to 72 months OAC

* Annual Percentage Rate will be based on your credit worthiness. Rates vary with amount financed, term, vehicle age and your credit history. Terms will be determined by year and amount borrowed. 95% financing available.  Late fee is $25. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Contact the Credit Union for APR, terms, and conditions on New and Used Boat and Off Road Vehicle Loans. Not available for refinance of an existing Lassen County Federal Credit Union loan. Rates are effective as of 9/1/2022.

Recreational Vehicle (RV) Loans
APR* as low as Term
New 5.80% OAC Terms based on credit
Used 6.30% OAC Term based on credit

* Annual Percentage Rate will be based on your credit worthiness. Rates vary with amount financed, term, vehicle age and your credit history. Terms will be determined by year and amount borrowed. 95% financing available. Late fee is $25. Some restrictions apply. Rates, terms, and conditions are subject to change without notice.  Contact the Credit Union for APR, terms, and conditions on New and Used RV Loans. Not available for refinance of an existing Lassen County Federal Credit Union loan. Rates are effective as of 11/1/2022.

Home Equity Fixed Rate Loan
Term APR* as low as, 80% CLTV
7 Years 5.00% OAC
10 Years 5.20% OAC
15 Years 5.50% OAC

* Fixed rate Loan with a maximum of 15 years. Payment examples: 7 Year: $100,000 loan estimated 5.00% APR, payments as low as $1,413.45/month. 10 Year: $100,000 loan estimated 5.20% APR, payments as low as $1,070.55/month. 15 Year: $100,000 loan estimated 5.50% APR, payments as low as $817.22/month. Not available on manufactured homes or homes on more than 5 acres. Must be in Lassen County. Subject to credit approval, underwriting guidelines and Loan to Value. Other restrictions may apply.

*Annual Percentage Rate is based on credit score and term. Late fee is $25.00 Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Contact the Credit Union for APR, terms, and conditions on HE loans. Not available for refinancing of an existing Lassen County Federal Credit Union HE Loan. Rates are effective as of 1/4/2023. Subject to property evaluation. Limited to a single-family residence located in Lassen or Plumas County. Mobile homes 15 years old and newer on a permanent foundation have a CLTV no greater than 75%. Loans secured by your home other than your first mortgage must be paid off at the time of account funding. Other restrictions on the property may apply. Property insurance is required. Flood insurance may be required. Other programs, rates, and terms may be available.

Home Equity Special! Loan amount up to $30,000.00! No Appraisal,No Fees!
Term APR* as low as, 80% CLTV
5 Years 4.85%
7 Years 4.99%
10 Years 5.15%
Terms & Restrictions may apply  

*Fixed rate Loan up to $30,000 with a maximum of 10 years. Payment examples: 5 Year: $30,000 loan estimated 4.85% APR, payments as low as $564.12/month. 7 Year: $30,000 loan estimated 4.99% APR, payments as low as $421.96/month. 10 Year: $30,000 loan estimated 5.15% APR, payments as low as $316.06/month. Not available on manufactured homes or homes on more than 5 acres. Must be in Lassen County. Subject to credit approval, underwriting guidelines and Loan To Value. Other restrictions may apply.

*Annual Percentage Rate is based on credit score and term. Late fee is $25.00 Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Contact the Credit Union for APR, terms, and conditions on HE loans. Not available for refinancing of an existing Lassen County Federal Credit Union HE Loan. Rates are effective as of 1/4/2023. Subject to property evaluation. Limited to a single-family residence located in Lassen or Plumas County. Mobile homes 15 years old and newer on a permanent foundation have a CLTV no greater than 75%. Loans secured by your home other than your first mortgage must be paid off at the time of account funding. Other restrictions on the property may apply. Property insurance is required. Flood insurance may be required. Other programs, rates, and terms may be available.

Mortgage Rates
Product Rate APR
Conventional 30 Year Fixed 6.75% 6.933%
Conventional 20 Year Fixed 6.125% 6.358%
Conventional 15 Year Fixed 6.25% 6.544%
Conventional 10 Year Fixed 6.50% 6.917%

*Rates update in real-time. For our most up-to-date Mortgage Rates, please go to our Mortgage Center.

VISA Credit Card Loans
APR* as low as
9.90% OAC

*Annual Percentage Rate will be based on your creditworthiness. The late fee is $25. Over the limit fee is $20. Some restrictions apply. Rates, terms, and conditions are subject to change without notice. Contact the Credit Union for terms of VISA Credit Card and VISA Secured. Secured VISA requires one and one-half times the amount of the credit limit to be pledged and maintained on deposit. This pledge encumbers all shares, payment on shares, dividends on shares, and deposits (excluding Individual Retirement Account shares) which you now have or hereafter may have in this Credit Union.