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*Loan rates effective Januray 1, 2013, and are subject to change without notice.

Rates listed are our best rates based on applicant's credit history and all possible discounts. Your actual rate may be higher.

Discounts (maximum .50%) include:
.25% for an automatic payment. (ACH/Direct Deposit/Payroll allotment)

.25% with a LDCU Share draft/checking or share certificate.

.25% with a 10% down payment on vehicle loan.
New and one-year-old vehicles
100% Financing
Terms Annual 
Percentage Rate		 Payments 
per $1000
Up to 36 months

3.50%

$29.31
Up to 48 months

3.75%

$22.47

Up to 60 months

4.00%

$18.42

Up to 72 months

4.50%

$15.88

Used Vehicle Rates
100% Financing
Model Term Annual 
Percentage Rate		 Payments
per $1000
2011
 60 months

4.25%

 $18.53
2010
 60 months

4.25%

 $18.53

2009

 60 months

5.00%

 $18.88
2008
 48 months

5.25%

 $23.15
2007
 42 months

5.25%

 $26.12
2006
 42 months

5.50%

 $26.23
2005 and older
 36 months

5.50%

 $30.20
Personal Loans
Maximum unsecured limit based on gross income and credit score. Contact the credit union for details.
  Terms Annual
Percentage Rate		 Payments
per $1000
Up to $5,000 Up to 36 months
9.00%

$31.81

Up to $7,500 Up to 48 months
9.00%

$31.81

Up to $10,000 Up to 60 months
9.00%

$31.81

QuickCASH loan ($20 processing fee) 60 days
18.00%

call for more details

Home Equity Rates
  Annual
Percentage Rate		 Payments
per $1000
Financing
up to 80%
of Value*		 Up to 60 months
5.50%

$19.11

61 to 120 months
6.50%

$11.36
Financing
up to 90%
of value*		 Up to 60 months
5.75%

$19.22
61 to 120 months
6.75%

$11.49
*Appraised or assessed
*Property must be located in Nebraska

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Labor Department Credit Union
550 South 16th Street
P.O. Box 94600
Lincoln, NE 68509-4600 
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Federally insured by NCUA