It pays to be a member of LA Financial – $77 a year (or more)!

  

The average LA Financial member earns a financial benefit of $77 per year (and the average household, $146) for doing business with LA Financial Credit Union – compared to doing business with a bank, according to a national economic study prepared by the Credit Union National Association (CUNA).

These numbers represent the total benefits we provided divided across all members – even those who conduct very little business with LA Financial.  

Loyal High-Users are saving substantially more with these products:

·         new and used car loans

·         fixed rate or adjustable rate first mortgages

·         home equity loans

·         VISA credit cards

·         checking accounts

And, LA Financial pays its members higher dividends on savings, Certificates and IRAs and an exceptionally higher rate of 2% APY on Kasasa Cash Checking Account*.

CLICK HERE TO OPEN AN ACCOUNT ORAPPLY FOR A LOAN

http://www.datatrac.net/Calculator.aspx?InstitutionID=10447&MarketID=21911&Cls=auto&Bank_Product_Standard_OID=45&Key=gra_10auto21911percentage&tmpl=0

CLICK HERE TO CHANGE LOAN AMOUNT AND/OR TERMS AND RECALCULATE

CLICK HERE TO OPEN AN ACCOUNT OR APPLY FOR A LOAN

Datatrac is an independent, unbiased research firm that has monitored deposit and loan rates, fees and product features for over 25 years on more than 166,696 financial institutions locations in America.  Datatrac Great Rate Awards certify that deposit and loan rates outperform the market average for comparable products.  www.datatrac.net

1.       $912 is the difference between the amount paid in interest between LA Financial Federal Credit Union's rate at 1.90% APR compared to 3.28% APR for the Los Angeles Metro market average over the life of a $25,000 auto loan over 60 months. At 1.90% APR, your monthly payments are just $17.50 per $1,000 borrowed for 60 months. Discounted rate includes 0.50% reduction for checking account with Direct Deposit -OR- 0.25% reduction for automatic payment & 0.25% reduction for Direct Deposit/Payroll Deduction (maximum 0.50% total rate discount per loan). 100% Loan-to-Value on all cash-out refinances. Maximum mileage   All rates are quoted on approved credit as Annual Percentage Rates (APRs). Some restrictions may apply.  Loan approval subject to credit and income evaluation. Consumer loan rates may vary depending on credit profile, term, mileage, and the amount financed. Rates and terms are subject to change without notice.

Qualifying member may select to defer their first payment for up to 90 days from the loan funding date. Interest will accrue during deferral period. Minimum FICO score 650. Subject to credit approval.  Cannot be combined with other offers.

2.       Datatrac’s comprehensive, unbiased research and analysis is updated each business day and is conducted independent of any financial institution.  There is no guarantee that you will receive the rates or terms displayed herein. Actual rates and terms are in the full discretion of the financial institution and may be subject to your credit rating and other factors. Please contact LA Financial Federal Credit Union directly with any questions regarding their current rates and terms.

*Kasasa Cash  APY = Annual Percentage Yield. APY's accurate as of 06/02/2014. Rates may change after account is opened. Minimum to open is $25.00. If qualifications are met each monthly qualification cycle: (1) domestic ATM fees incurred during qualification cycle will be reimbursed up to $20.00 and credit to account on the last day of monthly statement cycle; (2) balances up to $10,000 receive APY of 2.00%; and (3) balances over $10,000 earn 0.05% dividend rate on portion of balance over $10,000, resulting in 2.00%-0.23% APY depending on the balance. If qualifications are not met, all balances earn 0.01% APY. Qualifying transactions must post to and settle account during monthly qualification cycle. Accounts closed mid-cycle before dividends are posted will not receive accrued dividends. Transactions may take one or more banking days from the date transaction was made to post to and settle an account. ATM-processed transactions do not count towards qualifying debit card transactions. "Monthly Qualification Cycle" means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. ATM receipt must be presented for reimbursement of an individual ATM fee of $5.00 or higher. Limit one account per SSN. Transfers between accounts do not count as qualifying transactions.