Low-cost Loans

New or used cars, college tuition, remodeling, even a new home. You can finance it all at your Credit Union, and even arrange for simple, automatic payments through payroll deduction.



Vehicle Loans

We’ll finance virtually anything on wheels, water or in the air!

  • New and used vehicles
  • Fixed or variable rates
  • 100% financing available on new vehicles, or up to 100% of Kelley Blue Book value for used cars
  • Get pre-approved for easier shopping
  • Flexible terms up to 6 years (including used vehicles)
  • 1/4% discount for repayment through payroll deduction or automatic transfer
  • Finance motorcycles, boats, aircraft, motorhomes and other vehicles, too

Credit Union Direct Lending (CUDL)

Participating dealers will help you apply for a low-cost LAPFCU vehicle directly from their showroom floor — you won’t have to visit our office! Click below for a list of participating CUDL dealers.

New Cars, Inc. Car Buying Service

Let someone else do your shopping for you! Just tell the New Cars, Inc. representative what make, model, color and options you want. They’ll search the state for the best price and deliver your vehicle to the Credit Union. Click below to go to our New Cars, Inc. page.

Home Loans

We’ll help you get into your next (or first!) home with competitive rates and lower fees than most banks.

Real Estate Loans

At your credit union, we offer home loan programs to match any need:

  • Fixed and variable rates
  • Conventional and Jumbo Loans
  • No points option
  • Low closing costs
  • 15 and 30 year terms
  • Community Home Buyers Program with 5% down payment
  • Fixed-rate loans that convert to an Adjustable-Rate Mortgage
  • No-fee Home equity loans

Home Equity Loans

It’s time your home started paying you back! Use your equity to consolidate bills, make home improvements, pay educational expenses or take care of emergencies.

  • Fixed or variable rates
  • Borrow up to 80% of your home’s appraised value — maximum $500,000
  • No fees
  • Your interest may be tax-deductible (Consult your tax advisor)

Mortgage Calculator

Use this convenient mortgage calculator to estimate your monthly mortgage payments.



VISA

We feature a VISA card with a low APR that has genuine value — unlike banks that promote super-low “teaser” rates that skyrocket after a couple of months!

  • No annual fee
  • Low minimum payments
  • Up to a 55-day grace period on new purchases
  • Cash advances at ATMs displaying the VISA logo
  • Free travel insurance of up to $500,000

VISA Phone Numbers

Customer Service — 800/ 237-6211
Lost/Stolen Cards — 800/ 325-3678



Personal Loans

We have affordable loans for virtually any reason, with the personalized service only a credit union can offer.

  • Personal lines of credit that you can draw on whenever you need cash quickly
  • Share, certificate and stock-secured loans for the lowest loan rates



Information System Loans

Get connected! Finance personal computer equipment, telecommunications equipment, photocopy equipment and video technology with this low-cost loan.

  • Borrow up to $5,000
  • Terms to 36 months




Student Loans

Our student loans help college bound students realize their dreams.

  • Low rates on federal student loans
  • Stafford or PLUS loans available