*If Liberty First Credit Union cannot lower your current rate or payment, then Liberty First will award a $100 Visa gift card (limit one) per primary loan holder. Please allow 6 to 8 weeks for receipt of your $100 Visa gift card. Offer valid for all approved loans on or before September 30, 2017. We reserve the right to request proof of competitors offer and/or loan statement or loan contract for verification. The offer applies to banks, credit unions and other lending companies except bank and credit union staff loans, some dealership financing or those not in good standing with Liberty First Credit Union. $100 offer is not available for loans already financed at LFCU. Offer subject to change without notice. Term of up to 84 months; estimated monthly payment of $13.65 per $1,000.00 borrowed. Your rate may vary depending on your credit, the term of your loan, and the year and mileage of the vehicle. Federally Insured by NCUA.
Vehicle Loans (car, truck, van, RV, motorcycles)
Before you buy, see your credit union first to save time and money. We offer competitive rates, low down payments, flexible repayment terms and vehicle pricing information. You may conveniently apply online, by phone, fax, mail or in person.
- When purchasing and using your vehicle as collateral or when refinancing from another institution we will lend up to 100% of either the purchase price or NADA retail price, whichever is less
- Competitive rates and terms with no prepayment penalties
- Pre-approved loans are available for easy shopping without financing hassles
- Convenient monthly payments through payroll deduction, automatic account transfer, and vehicle pricing with EZ-LINE phone access
- New car cost guides, PC Carbook and NADA books are available to help you save money on your puchase and determine the value of your trade
- Payment Protection Plan Insurance is available for peace of mind for you and your family
- Mechanical Breakdown Insurance and Appearance Protection Packages are available for both new and used vehicles, and usually cost you less through the Credit Union
Vehicle Pricing Information
Vehicle Pricing Information is available at no charge when you are buying, selling or trading a car, truck, van, motor home, fifth wheel, motorcycle, or jet ski. We'll provide the invoice price for new cars, trucks, and vans and the NADA and Kelley Blue book values of used vehicles. This valuable service will help you save money on your purchase and determine the value of your trade. Before you buy, talk to us, so you can negotiate your best deal!
Consolidation LoansWhen you have numerous loans, making multiple monthly payments can be a hassle. A consolidation loan conveniently combines all of your loans into one, leaving you with one payment and one loan, at one lender.
A consolidation loan may reduce your repayment term, interest charges or your monthly payments. Home Equity Loans are commonly used to consolidate, but you can use other collateral or your signature as loans into one, leaving you with one payment and one loan, at one lender.
Open-End LoansThis pre-approved line of credit provides you with convenient access to extra funds through your checking account with overdraft protection, a Cashier's Check, or a teller withdrawal.
Closed-End LoansThis type of loan is usually used when you only need a small amount of funds, you do not have collateral, or don't wish to use it as security.
Home Equity Loans/Lines of Credit
When you are buying a car or improving your home, a home equity loan may be a good choice. Equity is the difference between what you owe on your home and the fair market value. The interest expense may be tax deductible. See your tax advisor about deductibility.
We offer the following home equity services:
- 80%, 90% and 100% loan-to-value programs
- Competitive rates and low fees
- Flexible repayment terms
- Fixed and adjustable loans
Loan Payment ProtectionLiberty First Credit Union offers this optional program to help safeguard your family from financial stress if you are injured or lose your job.
Package options include: life, disability and involuntary unemployment. The cost is based on the package options you choose and your monthly outstanding loan balance
Add Loan Payment Protection to your loan at the time of financing or call us at 402-465-1000 to see if this can be added to your existing loan.
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