Home - LBS Financial

Time 2020-06-21 15:13:26

Web Name: Home - LBS Financial

WebSite: http://lbsfcu.org

ID:6957

Keywords:

Home,LBS,Financial,

Description:

Focused on serving the people of the greater Long Beach areaWhat’s important to us? Quite simply: you. We’re devoted to giving our Members the best deals and service, while upholding timeless values. Learn More We are a part of this communityEach year, we give back thousands in time, money, and resources, to build our community via a variety of highly rated local programs and charities. Learn More We recently switched from a national bank and the change was amazing. On the first visit, the staff knew my name! I was with the other bank for 25 years and they didn’t even know my name. LBS Financial employees are extremely helpful and treat me like family.Member since 2013 Get EducatedNot sure how to make a budget? Want to know the best ways to build your credit fast? Head over to our short educational modules to learn all the best financial tips and strategies. Read More DateHoliday January 1, 2020New Year's DayJanuary 20, 2020Martin Luther King, Jr.'s DayFebruary 17, 2020President's DayMay 25, 2020Memorial DaySeptember 7, 2020Labor DayOctober 12, 2020Columbus DayNovember 11, 2020Veterans DayNovember 26, 2020Thanksgiving DayDecember 24, 2020Christmas EveDecember 25, 2020Christmas Day Rates Effective as of: 06-21-2020 (PST)Autos, Trucks and Vans (New Prior model year up to 18,000 miles) PercentageFinanced36 MonthAPR* as low as48 MonthAPR* as low as66 MonthAPR* as low as75 MonthAPR* as low as84 Month**APR* as low as 100% 2.55% 2.80% 2.95% 3.10% 3.50%90% 2.45% 2.70% 2.85% 3.00% 3.40% Disclosures *APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers. Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account . New vehicle rates also reflect a 0.15% discount for a new auto purchase (2020 or newer) through the Surrogate Auto ShopperA loan at 2.85% APR for 66 months will have a monthly payment of $16.40 per $1,000 borrowed or a $328.00 monthly payment based on an amount financed of $20,000. New vehicle loan amount may not exceed 100% MSRP including taxes plus and license, PLUS warranty up to 2,500 for 2 wheel drive and 3,000 for 4 wheel drive, GAP up to $1,000 and pre-paid maintenance up to $1000. Some restrictions apply.** $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2013 and newer of $20,000 or more and for FICO scores of 625+. Rates Effective as of: 06-21-2020 (PST)Pre-Owned Autos, Trucks and Vans (Model years 2013-2019 pre-owned vehicles.) PercentageFinanced 36 MonthAPR* as low as48 MonthAPR* as low as66 MonthAPR* as low as75 MonthAPR* as low as84 Month**APR* as low as 100% 2.90%3.15% 3.30% 3.45% 3.85%90% 2.80% 3.05% 3.20% 3.35% 3.75% Disclosures *APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers. Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. A loan at 3.20% APR for 66 months will have a monthly payment of $16.56 per $1,000 borrowed or a $331.20 monthly payment based on an amount financed of $20,000. Used vehicle loan amount may not exceed 100% of retail Kelley Blue Book value including taxes and license PLUS warranty up to $2,500 for 2 wheel drive and $3,000 for 4 wheel drive, GAP up to $1,000, and pre-paid maintenance up to 1,000. Some restrictions apply.** $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2013 and newer of $20,000 or more and for FICO scores of 625+.Rates Effective as of: 06-21-2020 (PST)Pre-Owned Autos, Trucks and Vans (Model years 2012 pre-owned vehicles) PercentageFinancedMinimum AmountFinancedUp to 36 MonthAPR* as low asUp to 48 MonthAPR* as low asUp to 66 MonthAPR* as low as up to 90%$5,000 4.90%5.15%5.30% Disclosures *APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers. Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account. A loan at 5.30% APR for 66 months will have a monthly payment of $17.50 per $1,000 borrowed or a $350.00 monthly payment based on an amount financed of $20,000 . 2012 and older vehicle loan amount may not exceed 90% of retail Kelley Blue Book value including taxes and license PLUS warranty up to $2,500 for 2 wheel drive and $3,000 for 4 wheel drive, and GAP up to $1,000, and pre-paid maintenance up to $1,000. Some restrictions apply. Rates Effective as of: 06-21-2020 (PST)Share Certificates Over $90,000TermAnticipated Dividend RateAnticipated APY*3 month**0.65%0.65%6 month0.90%0.90%9 month1.00%1.01%12 month1.14%1.15%18 month1.19%1.20%24 month1.24%1.25%30 month1.29%1.30%36 month1.29%1.30%42 month1.29%1.30%48 month1.34%1.35%60 month1.39%1.40% Disclosures *APY=Annual Percentage Yield. Share Certificate rates are in effect until the maturity date. APY is based on the assumption that dividends remain within the account. The dividend rate and APY are paid on the entire balance in the account. Withdrawals will reduce earnings; there are penalties for early withdrawals; and fees may reduce earnings.Rates are subject to change without notice. Rates Effective as of: 06-21-2020 (PST)Money Market Rates Balance Anticipated Dividend Rate Anticipated APY* Below $2,500.000.10%0.10%$2,500.00 to $24,999 0.20% 0.20% $25,000 to $49,999 0.30% 0.30% $50,000 to $99,999 0.40% 0.40%$100,000 and above 0.50% 0.50% Disclosures The dividend rate and APY are paid on the entire balance in the account. The dividend rate and Annual Percentage Yield (APY) may change at any time and without notice, solely at the Credit Union's discretion. Fees or other conditions may reduce the earnings on the account. Contact the Credit Union for more information about fees and rates.Rates are subject to change without notice. You are now leaving the LBS Financial Credit Union website. We link only to websites of trusted business partners and well known, reputable businesses. Please keep in mind that LBS Financial s privacy policies do not apply to linked websites. You should consult the privacy disclosures on each third-party site for further information. Third-party websites may provide less security than the LBS Financial Credit Union website. LBS Financial does not provide, and is not responsible for, the product, service, compliance with ADA regulations, or overall website content and accessibility available on third-party sites.

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