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Vehicle Loans

Are you shopping for a new vehicle or looking to lower your payment on your current vehicle?

Before you go to a dealership, come see us. Louviers FCU offers a variety of vehicle loans with competitive rates on New and Used Cars.

Buying a vehicle is a big purchase. Is your vehicle adequately protected?

New & Used Cars

We offer 100% financing on new vehicles with competitive rates and a maximum term of 72 months. We also offer 100% financing on used vehicles less than three years old and 80% financing on vehicles more than three years old with terms up to 72 months. Any used vehicle not listed in the N.A.D.A. book will require a vehicle appraisal on dealership letterhead including the make, model, year, VIN number, and mileage with an authorized signature from the dealership.

Car titles used as security for a loan and purchased out-of-state or through a private sale must be delivered to the credit union within 30 days of the date of the note. Car titles used as security for a loan and purchased from an in-state dealer must be delivered to the credit union within 60 days from the date of the note.

We require proof that collision and comprehensive insurance has been secured with up to a $500.00 deductible. Louviers FCU must be listed as the loss payee for the policy.

 Home Loans


Whether you are looking to buy a new home, refinance your current home for a better rate, or upgrade your amenities, Louviers FCU has the mortgage products for you!

Louviers FCU has expanded our mortgage services. We have partnered with State Financial Network to bring our members superior service. If you are planning on buying your first home, considering a move, refinancing an existing property, or you simply want to know your options, your first choice should be Louviers FCU. Our experienced mortgage consultants are prepared to help you find the best product, rate, and term to fit your budget and lifestyle.

Check out this step by step guide (PDF LINK) for more information on mortgages.

Visit our Home Loan Center to Apply Online Today!

Or, for further information, call our mortgage department at State Financial Network:
(800) 426-7140 or (610) 325-5002.

 VISA® Credit Cards


VISA® Platinum

Our Visa® Platinum card offers:

Classic VISA®

Our Classic Visa® card offers:

If you already have a VISA® credit card with Louviers, you can manage your account information and pay your bill online, and request a balance transfer from another credit union account.

To request a credit limit increase, we will need to know the last four digits of your credit card and your annual income. Fax this information to (302) 733-0631 or visit one of our branches to start this process.

Traveling Abroad? We need your help.

To prevent any interruption of service with your LFCU VISA® credit or debit card while you are traveling‚ please contact us in advance at (302) 733-0426 and let us know where and when you will be traveling to prevent our fraud department from placing a hold on your card. We can notate travel arrangements on your account so your money will travel with you.

*Louviers does not allow gambling charges on any of our VISA® credit cards. Cash advances must be conducted in person anywhere VISA® is accepted. The same interest rate that applies to purchases will also apply to cash advances, plus, cash advances will incur a 2% fee on the amount advanced. A minimum fee of $5 will be charged if 2% of the advance is less than $5.

 Personal Loans


Are you looking to take a vacation, buy new furniture‚ make major car repairs or consolidate debt?

Whatever your reason for borrowing‚ a Louviers FCU personal loan is the answer. We offer three types of personal loans including a Share Secured Loan‚ a Signature Loan and a Line of Credit.

Signature Loan

A Signature Loan requires only your signature as collateral for the loan. Signature loans are available for terms up to 5 years.

Open-End Line of Credit

Borrow up to $10‚000.00 with a Line of Credit Loan. Whenever you need funds‚ simply make a draw against the available credit limit. These loans require only your signature as collateral and are granted on the member’s ability to repay. A Line of Credit Loan is available for a maximum term of 60 months.

Share Secured Loan

With a Share Secured Loan, you may use the funds in your Savings Account and your Share Certificates as collateral for the amount borrowed. (Note: IRAs and Preferred Share Accounts cannot be used as collateral.) By pledging funds in an existing account as collateral‚ you will receive a reduced interest rate on the loan. For example‚ if you want to borrow money to take a vacation‚ you have two choices. One‚ you can take out a Signature Loan. This loan allows you to borrow money using just your signature — no collateral required, but the interest rate will be higher. Or, you can take out a Share Secured Loan‚ pledge funds in an existing account as collateral and receive a lower interest rate.

The funds you pledge as loan collateral are not available for withdrawal until you begin to make payments on your loan. Your funds will become available for withdrawal in direct accordance with the amount of principal paid.

Term lengths on your Share Secured Loan will vary based on your purpose of the loan and the amount you borrow.

 Student Loans


Private Student Loans

Louviers FCU provides privately-funded student loans through Education Loan Source. Loans are available for both undergraduate and graduate programs at certified educational institutions. Borrow up to $45,000.00* annually to pay for tuition, fees, room and board and other qualified expenses such as books or travel costs.


  • Borrower must be 18 years or older**

  • Borrower must be attending school on a half-time basis or more at an eligible college or university (our school list is provided in the application)

  • Borrower must be creditworthy (having a satisfactory credit score and credit history), or may apply with a creditworthy cosigner to increase his/her chances of getting approved and obtaining a lower interest rate and/or loan fee

  • Borrowers may request that the cosigner be released after 36 consecutive on-time payments

  • Borrow must be a member of Louviers Federal Credit Union. If you are currently not a member, you will be asked to complete a membership application after you apply for your student loan


  • No payments are required until six months after graduation

  • Repayment terms up to 15 years

  • Interest rates are based on a 3-month LIBOR (London Interbank Offered Rate) and range from LIBOR plus 4% to 9%. Your starting interest rate will be determined by your credit score and other factors. Paid on a daily balance and compounded quarterly

  • Loan fees range from 0% to 6%


  • Borrow up to $45,000.00 annually*

  • Reduce your interest rate by 0.25% when you elect to have your loan payments automatically withdrawn from your checking or savings account

  • Receive an additional 0.25% interest rate reduction after 48 consecutive on-time payments

  • There are no pre-payment penalty, which means you may make higher monthly payments or pay the loan off prematurely without penalty

  • Applying for a private student loan is easy and convenient through our online application, available 24/7

APPLY NOW or contact for more information.

(800) 592-1270

*Annual loan limits will be determined by the individual school’s cost of attendance minus any financial aid already granted.
**Or age of majority.

 Credit Report


Credit Sense

Why is a credit score important?

Your credit score is more than just a number – it’s a way for lenders to determine whether you are eligible for a loan, the amount of the loan, interest rate, and your payment – important stuff when you are planning for your future.

What is Credit Sense?

Credit Sense is a comprehensive program designed to help you stay on top of your credit…. for FREE!

You’ll get your credit score, an understanding of the key factors that impact it, and access to special loan and credit card offers that can help you reduce interest costs. With this program, you’ll always know where you stand with your credit and where you can potentially save money.

This program will also monitor your credit report on a daily basis to help you keep an eye out for identity theft. You’ll be informed by email if any big changes are detected – a new account has been opened, a change in address or employment occurs, a delinquency has been reported, or an inquiry has been made.

How do I enroll?

It’s simple! Just log-in to your online banking and click on the credit score dial to the right hand side of your screen (see below). You’ll verify your social security number, answer a few quick enrollment questions and then you’re all set!

Once you have enrolled, you will also be able to access Credit Sense through our mobile app so you can check your score on the go!

Enroll Here

Credit Report

With the passage of the Fair and Accurate Credit Transactions Act of 2003, consumers can get free copies of their credit reports from each major credit bureau once a year. Checking your credit reports on a regular basis is an opportunity to spot any fraudulent use of your name by identity thieves and correct any other inaccurate information.

To request your reports‚ go to or call (877) 322-8228.

Credit Bureaus

If you need to contact the credit bureaus directly‚ here’s the information you’ll need:

Loan Rates



Loan Type Min / Max Amounts Terms APR
VISA® Credit Card – Classic $500.00 min – $4,999.00 max N/A 9.90% – 17.90%
VISA® Credit Card – Platinum $5,000.00 min – $25,000.00 max N/A 9.90% – 17.90%
Auto Loans – NEW Up to 60 Months 2.75% – 12.75%
61 – 72 Months 3.25% – 13.25%
Auto Loans – USED 12 – 60 Months 4.25% – 14.25%
61 – 72 Months 4.75% – 14.75%
Signature Loans $500.00 min – $10,000.00 max Up to 12 months 5.00% – 13.00%
13 – 24 Months 6.00% – 14.00%
25 – 36 Months 7.00% – 15.00%
37 – 48 Months 8.00% – 16.00%
49 – 60 Months 9.00% – 17.00%
Line of Credit $500.00 min – $10,000.00 max N/A 10.00% – 18.00%
Share Secured Loan Share Balance Up to 120 Months Share + 2.00%
Certificate Secured Remaining Term of Certificate Certificate Rate
+ 2.00%

*Combined unsecured debt has a maximum limit of $25,000.00 per individual.

Mortgages/Home Equities Call (800) 426-7140.
Louviers FCU is federally insured by NCUA. Louviers FCU is an equal opportunity lender. Louviers FCU is an equal housing lender. APR=Annual Percentage Rate. Rates subject to change without notice. APR is based on credit worthiness and loan term.

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