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Launch FCU Loan Rates

Whether you’re buying a new or used vehicle, your new home, or refinancing the home you’re in, Launch offers competitive rates and terms that fit your needs. If you need a line of credit for unexpected circumstances, Launch can help. And Launch offers dividends on your Savings, Elite Checking, and other deposit accounts to help you save for the future.

Auto & Truck Loan Rates

Condition Available Terms* As low as APR*
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New
2018-present
Up to 48 months
Max term 96 months
2.99%
Used
2014-2017
Up to 36 months
Max term 84 months
3.24%
Used
2013 and Older
Up to 36 months
Max term 75 months
3.49%

Boat & RV Loan Rates

Condition Available Terms* As low as APR*

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New
2018-Present
Up to 240 months 5.49%
Used
2014-2017
Up to 240 months 6.99%
Used
2013 & Older
Up to 240 months 7.49%

Motorcycle Loan Rates

Condition Available Terms* As low as APR*
Apply Now
New/Used
2018-present
Up to 48 months
Max term 96 months
2.99%
Used
2014-2017
Up to 36 months
Max term 84 months
3.24%
Used
2013 & Older
Up to 36 months
Max term 75 months
3.49%

 Signature Loan Rates

Borrowing Limits As Low As APR*

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$20,000 8.25% APR* up to 36 months. Max 60 months*.

 Line Of Credit Rates

Borrowing Limits As Low As APR*

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$20,000 8.25% APR*

Savings Secured Rates

Borrowing Limits As Low As APR*
 

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Up to 100% of Savings Account Balance 36 months at 2.50% APR*
60 months at 3.50% APR*
120 months at 4.50% APR*

First Mortgage Rates

Term Interest Rate Points APR* As Low As Closing Fees Payment
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10 Year Fixed 2.75% 0 3.000% $3,303.00 $954.11
15 Year Fixed 2.875% 0 3.047% $3,303.00 $684.59
20 Year Fixed 3.25% 0 3.385% $3,303.00 $567.20
30 Year Fixed 3.375% 0 3.471% $3,303.00 $442.10

The interest rates, APR’s, and points shown above are subject to change at any time, without notice. The payment shown includes principal and interest only. Your actual payment will be higher when an escrow account is established and required. The maximum loan to value is 97% of appraised value or sale price, whichever is less. When refinancing, the maximum loan to value is 80% if you take cash out.

Payment estimates below are based on an owner occupied loan in the amount of $100,000 with a LTV of 80%. Closing fees include appraisal and may vary depending on the county where the dwelling is located. Closing fees do not include prepaid interest or escrow reserves.

Second Mortgage Rates

Term Interest Rate APR* As Low As Closing Fees Payment
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60 Months 5.00% 5.097% $1,164.72 $1,887.12
84 Months 5.25% 5.322% $1,164.72 $1,425.17
120 Months 5.75% 5.802% $1,164.72 $1,097.69
180 Months 6.00% 6.037% $1,164.72 $843.86
240 Months 6.25% 6.280% $1,164.72 $730.93

The interest rates and APR’s displayed above are subject to change at any time, without notice. The payment shown above includes only principal and interest. Closing fees include appraisal fee, if necessary. The maximum loan to value is 80% of appraised value**. The maximum loan amount is $150,000. Payment estimates are based on a loan amount of $100,000 and a LTV of 80%.

Home Equity Line of Credit Fixed Rate- Up to 80% LTV

Term Interest Rate APR* as low as Closing Fees Payment
Standard Up to 10 Years 5.50% 5.50% None unless appraisal required $955.00 Apply Now
Extended Up to 15 Years 6.00% 6.00% None unless appraisal required $555.00 Apply Now

Home Equity Line of Credit Variable Rate – Up to 80% LTV

Term Interest Rate APR* as low as Closing Fees Payment
Standard 15 Years 3.99% 3.99% None unless appraisal required $932.05 Apply Now
Extended 20 Years 4.00% 4.00% None unless appraisal required $518.26 Apply Now

Our Home Equity Loan interest rates and APR’s shown above are subject to change at any time, without notice. The payment displayed includes only principal and interest. Closing fees include estimated appraisal fee, if required, documentary stamps, along with recording fees. The maximum loan to value ratio of the first and second mortgages combined cannot exceed 80% of the appraisal if required, or 110% of the tax assessment. The maximum loan amount is $250,000. Loan amounts over $150,000 require an appraisal. Additional disclosure information can be found here. 

Payment estimates above are based on a loan in the amount of $50,000, and includes an estimated appraisal fee, (determined by the county where the dwelling is located), documentary stamps, and recording feeds. The rate you will pay is based on your credit history. If your risk profile puts you in a higher risk category, your rate may be higher. The index used to determine APR is the Prime Rate, which is published in the Money Rates column of the Wall Street Journal.

Savings, Checking, IRA, & Certificates

The below accounts are variable rate accounts, and subject to change at any time, without notice. Fees may reduce earnings. Dividends will be compounded monthly and credited on the last day of the month.

 

Account Type Prospective Dividend Rate Prospective APY**
Accounts Savings & Business Savings
$25-$199.99*** .05% .05%
$200-$2,499.99 .05% .05%
$2,500-$9,999.99 .05% .05%
$10,000-24,999.99 .15% .15%
$25,000-$49,999.99 .20% .20%
$50,000-$99,999.99 .25% .25%
$100,000 & Up .30% .30%
IGNITE Money Market (NEW)
$2,500.00 – $9,999.99 .10% .10%
$10,000.00 – $24,999.99 .20% .20%
$25,000.00 – $49,999.99 .25% .25%
$50,000.00 – $99,999.99 .30% .30%
$100,000.00 – $249,999.99 .35% .35%
$250,000.00 + .40% .40%
Elite Checking .10% .10%
Holiday Account .15% .15%
IRA Accounts (Declared) .35% .35%

 

Type Dividend Rate APY** Minimum Balance
Certificates**** 6 Month Share .35% .35% $5,000
6 Month IRA .35% .35% $5,000
6 Month Roth .35% .35% $5,000
12 Month Share .55% .55% $1,000
12 Month IRA .55% .55% $1,000
12 Month Roth .55% .55% $1,000
12 Month Share .55% .55% $10,000
12 Month IRA .55% .55% $10,000
12 Month Roth .55% .55% $10,000
24 Month Share .95% .95% $10,000
24 Month IRA .95% .95% $10,000
24 Month Roth .95% .95% $10,000
30 Month Share 1.10% 1.11% $10,000
30 Month IRA 1.10% 1.11% $10,000
30 Month Roth 1.10% 1.11% $10,000
60 Month Share 1.25% 1.26% $10,000
60 Month IRA 1.25% 1.26% $10,000
60 Month Roth 1.25% 1.26% $10,000
*

APR=Annual Percentage Rate. The rate you pay will be based on your credit history and term. If your risk profile puts you in a higher risk category, your rate may be higher. Rates shown are subject to change without notice. Rate and term affected by credit history and amount financed. Your APR will vary based on your final loan amount and finance charges. Certain terms may not be available for all risk categories.

**

"APY" means "annual percentage yield".

***

Minor Accounts only.

****

Penalties may be imposed for early withdrawal.

Rates and Dividends

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