Your Rates

LGFCU offers very competitive rates on all our products. From mortgage loans to car loans and share term certificates, you can rest assured we are offering the best rates the market will allow. Take a look below and see how we compare to other financial institutions. You can click on the product name to read more information or click the Apply Now button to download an application.

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Deposit Rates

Share Accounts Rates effective 10/14/2008
Account Type	Rate	APY	Min. Balance
FAT CAT	1.73	1.75	$25.00
Share	1.73	1.75	$25.00
Zard	1.73	1.75	$25.00
Golden Circle	1.73	1.75	$25.00
Holiday Cash Club	1.73	1.75	$25.00

Checking and Money Market Share Rates effective 10/14/2008
Account Type	Rate	APY	Min. Balance
Interest Checking	0.75	0.75	None
Money Market	2.50	2.53	$250.00

Share Term Certificates Rates effective 06/10/2008
Account Type	Term	Rate	APY
Share Term Certificate	6 Months	3.25	3.25
Share Term Certificate	12 Months	3.25	3.25
Share Term Certificate	18 Months	3.50	3.50
Share Term Certificate	24 Months	3.50	3.50
Share Term Certificate	30 Months	3.75	3.75
Share Term Certificate	36 Months	3.75	3.75
Share Term Certificate	48 Months	4.00	4.00
Share Term Certificate	60 Months	4.25	4.25
Dividend Rates Information Dividend rates on shares and IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call our 24-Hour Voice Response Service at 800.328.4543, or in Raleigh 919.839.5428, or your local branch for current rates. *APY: Annual Percentage Yield

Individual Retirement Accounts
Account Type	Rate	APY
Traditional IRA	2.96	3.00
Roth IRA	2.96	3.00
SEP IRA	2.96	3.00
Coverdell Education Savings Account	2.96	3.00
Dividend Rates Information Dividend rates on shares and IRAs have been set subject to the availability of funds. Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Depending on options chosen, most accounts have modest service charges that could reduce net earnings. There is a penalty for early withdrawal from certificates. The dividends on all accounts except certificates are variable and may change at preset intervals after the account is opened. All depository services compound dividends daily, except Share Term Certificates. Initial/opening rates are subject to change without notice. Please call our 24-Hour Voice Response Service at 800.328.4543, or in Raleigh 919.839.5428, or your local branch for current rates. *APY: Annual Percentage Yield

Health Savings Account
Account Type	Rate	APR
Health Savings Account	3.68	3.75

Mortgage Rates

Mortgage Loans Rates effective 06/16/2008
Account Type	Term	Rate	APR
2-Year ARM - 90% LTV - Variable Rate	30 years	4.75	4.83
2-Year ARM - 90.1%-100% LTV - Variable Rate	30 years	5.25	4.90
1st Time Homebuyers - 100% LTV - Variable Rate	30 years	5.25	5.27
2-Year Green ARM - 90% LTV - Variable Rate	30 years	4.75	4.79
2-Year Green ARM - 90.1%-100% LTV - Variable Rate	30 years	5.25	4.86
5-year ARM - 100% LTV - Variable Rate	20 years	5.75	5.35
AllSavers - 100% LTV - Fixed Rate	15 years	6.25	6.45
15 Year 90% or Less - Fixed Rate	15 years	5.75	5.94
15 Year 90.1% - 100% - Fixed Rate	15 years	6.25	6.45
20 Year 90% or Less - Fixed Rate	20 years	6.00	6.16
20 Year 90.1% - 100% - Fixed Rate	20 years	6.50	6.66
25 Year 90% or Less - Fixed Rate	25 years	6.50	6.64
25 Year 90.1% - 100% - Fixed Rate	25 years	7.00	7.14
30 Year 90% or Less - Fixed Rate	30 years	6.75	6.88
30 Year 90.1% - 100% - Fixed Rate	30 years	7.25	7.38
Reverse Mortgage (call for quote)
*APR Annual Percentage Rate

Second Mortgage
Account Type	Term	Amount	Payroll Rate	Direct Pay Rate	Comments
Second Mortgage Fixed Rate	Up to 120 months		8.75	9.25	Improved Property
Second Mortgage Variable Rate	Up to 10 years		9.75	10.25	Improved Property

Property Loans
Account Type	Term	Payroll Rate	Direct Pay Rate	Comments
Unimproved Property	10 year maximum	7.75	8.25	Fixed Rate

Lending Rates

Home Equity Line of Credit (HELOC) Rates effective 04/01/2008
Account Type	Payroll Rate	Direct Pay Rate
Home Equity - Up to 90% LTV - Variable Rate	6.50	7.00
Payroll deducted payments provide substantial savings in processing costs for the Credit Union. Credit cards and mortgages cannot be paid with payroll deduction. Initial/opening rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

Vehicle Loans - Fixed Rate
Account Type	Term	Payroll Rate	Direct Pay Rate
New Vehicle	Up to 60 Months	5.75	6.25
Green Car	Up to 60 Months (new or used)	4.75	5.25
Green Car	Up to 72 Months (new car only)	5.00	5.50
New Vehicle	Up to 72 Months	6.00	6.50
Used Vehicle	Up to 60 Months for models 2004-2009	5.75	6.25
Used Vehicle	Up to 48 months for models prior to 2004	5.75	6.25
Rates are subject to change without notice. Please check with a branch office or call our 24-Hour Voice-Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates. All 2008 and 2009 models must have less than 10,000 miles to qualify as a new vehicle.

Motorcycle, Boat and RV Loans Loan rates are based on credit history, profile and loan terms. Annual Percentage Rate (APR) may change without notice.
Account Type	Term	Payroll Rate	Direct Pay Rate	Comments
New & Used Boat	Up to 72 Months	8.25	8.75	Fixed Rate
New & Used Motorcycle	Up to 72 Months	8.25	8.75	Fixed Rate
New & Used RV Loans	Varies by type	7.75	8.25	Fixed Rate
Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

Salary Advance Loan (Payday Loan)
Account Type	Term	Amount	Payroll Rate
Salary Advance Loan	Open-end	$500 maximum	12.00

Credit Cards
Account Type	Direct Pay Rate	Comments
Visa	9.75	Variable Rate
Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

Personal Loans
Account Type	Payroll Rate	Direct Pay Rate	Comments
Personal Loan - Open and Closed End	10.75	11.25	Variable Rate
Personal Loan - Unsecured and Secured	10.75	11.25	Variable Rate
Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

Computer Loans
Account Type	Term	Amount	Payroll Rate	Direct Pay Rate
Computer Loan	36 Months	$3,500 Maximum	6.50	7.00
Rates are subject to change without notice. Please check with a branch or call our 24-Hour Voice Response Service at 800.328.4543 or in Raleigh 919.839.5428 for current rates.

Secured Loans
Account Type	Term	Payroll Rate	Direct Pay Rate	Comments
Share Secured	Up to 24 months	5.00	5.00	Fixed Rate
Share Secured	25 to 48 months	5.50	5.50	Fixed Rate
Share Secured	49-120 months	8.75	9.25	Variable Rate
Share Secured Term Note			6.50	Fixed Rate
Vehicle Secured Term Note - DOT-Vehicle			10.75	Fixed Rate

Unsecured Loans
Account Type	Payroll Rate	Direct Pay Rate
Unsecured DOT	10.00	10.50
Unsecured Term Note		11.75