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*Rates effective January 1, 2012.

The loan rates below are our lowest loan rates currently available and include a maximum discount of .50%. Discounts 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.

Your loan rate is based on your personal credit history and may differ from the listed APR.

All rates subject to change without notice.
New and one-year-old vehicles
100% Financing
Terms Annual 
Percentage Rate
Payments 
per $1000
Up to 36 months

4.00%

$29.54

Up to 48 months

4.25%

$22.70

Up to 60 months

4.50%

$18.56

Up to 72 months

5.00%

$16.11

Used Vehicle Rates
100% Financing
Model Term Annual 
Percentage Rate
Payments
per $1000
2010
60 months

4.50%

$18.65
2009
60 months

4.75%

$18.77

2008

60 months

5.50%

$19.11
2007
48 months

5.75%

$23.38
2006
42 months

5.75%

$26.35
2005
42 months

6.00%

$26.47
2004 and older
36 months

6.50%

$30.66
Personal Loans
Terms Annual
Percentage Rate
Payments
per $1000
Up to 36 months
9.50%

$32.04

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