NOTE: Add 1% for motorcycle, boat, camper, Jet Ski, snowmobile and ATV loans. Loans over $25,000 require a minimum of 10% down payment. 72 month auto/cycle loans are available at 30% down and be priced at the 10% level. Rates for new vehicles loans (excluding the 25% down loan) of 48 months are reduced by ½ of 1.00%.*

Add 1% for motorcycle (max. 4 yr. old), boat and campers. No used Jet Ski, snowmobile or ATV loans.

Loans over $25,000 require a minimum of 10% down payment.

Closing costs and fees will be established by the Board of Directors or the President and shall be disclosed in writing or verbally at the time the application is taken. LTV is defined as the outstanding first mortgage balance plus the amount of the requested home equity loan divided by the determined value. Maximum debt-to-income ratio 35%, 1 or 2 family owner occupied homes, with at least 12 months good payment history on present mortgage loan. Add 0.75% to the rate if LTV is between 70 – 80% or 1.25% to the rate if the LTV is between 80 – 90%. Variable rate loan is based on prime with current prime rate of 3.25% plus a margin established by the Board of Directors. Loan Notes: Unsecured loans will receive a 1.00% discount for Direct Deposit of any recurring payment and a 1.00% discount for automatic payments. Loans in process have 30 days from the date of their application, to close at the rate they applied at. After 30 days, rates are subject to change. Active LCCU checking accounts requires a minimum of five transactions per month. If member does not maintain active checking, rate will revert back to the base rate. Transactions are defined as checks or Debit/Master Money card purchases clearing the account.

Insurance: Member’s accounts in this credit union are federally insured by the National Credit Union
Share Insurance Fund.

Minimum Balance Requirement: The minimum balance to open an account is the purchase of a $5.00
share (MMR) in a credit union. A minimum balance of $100.00 must be maintained in the share accounts
daily to earn the disclosed APY. You must maintain an average daily balance of $100.00 in this account
or in a combination of share types accounts or have an active loan in order to avoid the disclosed fee.
The disclosed fee will not be assessed during the first two calendar months of the account’s existence.

Check Cashing Requirements. A disclosed check cashing fee will be charged to any account which does
not maintain at least $100.00 in any account or in a combination of share type accounts, or have an
active loan prior to cashing the check.

Rate Information: The Annual Percentage Yield (APY) and dividend rate assume that dividends remain
in the account until maturity. A withdrawal or transfer will reduce earnings. Minimum balance to earn
APYs is $100 on share and club accounts and $1000 on certificates

Renewal Policies: Your certificate will automatically renew on the date of maturity. You will have a
grace period of ten calendar days after the maturity date to withdraw the funds in the account without
being charged an early withdrawal penalty. Dividends will not be paid after the maturity date unless
renewed.