Rates

Loan Rates Vehicle Loans Home Loans Certificate Rates Savings/Share Rates Fees

Effective as of: 01/22/2025

Vehicle Loans
APR refers to the annual percentage rate or the dividend rate.
Some dealers and manufacturers continue to offer the choice of lower interest rates or sizable rebates. Many Lan-Fair members are taking the rebate and financing at the credit union. Frequently, that combination provides an opportunity for substantial savings.
If you will be purchasing a vehicle or considering the purchase of a vehicle you are currently leasing, give us a call. Lan-Fair rates are low.
Vehicle rates also apply to other Ohio titled personal property.
New 2024 and 2023 Automobiles and Trucks
	Term	Payment Description		APR TYPE
	24 Months	No Down Payment	5.50%	Fixed
	36 Months	No Down Payment	5.50%	Fixed
	48 Months	No Down Payment	6.00%	Fixed
	60 Months	No Down Payment	6.00%	Fixed
	72 Months	5% Down Payment	6.25%	Fixed
	84 Months	10% Down Payment	6.50%	Fixed

New Boats, RVs, Motorcycles and ATVs
	Term	Payment Description	Rate	APR TYPE
	24 Months	No Down Payment	7.50%	Fixed
	36 Months	No Down Payment	7.50%	Fixed
	48 Months	No Down Payment	7.50%	Fixed
	60 Months	No Down Payment	7.50%	Fixed
	72 Months	5% Down Payment	8.00%	Fixed
	84 Months	10% Down Payment	8.00%	Fixed
New Boats and RVs only	120 Month	10% Down Payment	8.00%	Fixed
Used Vehicles
Rate Description	Term
Used 2024 to 2021 Models	24 Months	5% Down Payment	7.00%	Fixed
	36 Months	5% Down Payment	7.00%	Fixed
	48 Months	5% Down Payment	7.00%	Fixed
	60 Months	5% Down Payment	7.00%	Fixed
	72 Months	10% Down Payment	7.25%	Fixed

Used 2020 to 2017 Models	24 Months	10% Down Payment	7.25%	Fixed
	36 Months	10% Down Payment	7.25%	Fixed
	48 Months	10% Down Payment	7.25%	Fixed
	60 Months	10% Down Payment	7.25%	Fixed

Used 2016 and Older Models	24 Months	10% Down Payment	7.80%	Fixed
	36 Months	10% Down Payment	7.80%	Fixed
	48 Months	10% Down Payment	7.80%	Fixed
	60 Months	10% Down Payment	7.80%	Fixed

Used Boats, RVs, Motorcycles, and ATVs
Rate Description	Term
Used 2024 to 2021 Models	24 Months	10% Down Payment	9.25%	Fixed
	36 Months	10% Down Payment	9.25%	Fixed
	48 Months	10% Down Payment	9.25%	Fixed
	60 Months	10% Down Payment	9.25%	Fixed
	72 Months	10% Down Payment	9.25%	Fixed

Used 2020 to 2017 Models	24 Months	10% Down Payment	9.75%	Fixed
	36 Months	10% Down Payment	9.75%	Fixed
	48 Months	10% Down Payment	9.75%	Fixed
	60 Months	10% Down Payment	9.75%	Fixed

Used 2016 and Older Models	24 Months	10% Down Payment	10.50%	Fixed
	36 Months	10% Down Payment	10.50%	Fixed
	48 Months	10% Down Payment	10.50%	Fixed
“Down Payment” refers to vehicle purchases. “Equity” refers to Home Equity and Vehicle Equity when an advance is requested for non-purchase money with a vehicle as security.

Members should call the credit union to verify rates. Contact your credit union to find out if there are any fees on these accounts that could reduce your earnings.