Personal Loan Rates
Affordable rates help you cover expenses without straining your budget.
Focused on What Matters to You
Our personal loans are designed for serious needs or special purchases, with low rates that keep more money in your pocket and less spent on interest.
PERSONAL LOANS (FIXED RATE, CLOSED-END LOANS)
Effective Date: March 2, 2026
| APR* AS LOW AS** | TERM IN MONTHS | LOAN AMOUNT |
|---|---|---|
| 10.49% | 6 | $500 |
| 10.49% | 12 | $1,500 |
| 10.49% | 24 | $2,500 |
| 10.49% | 36 | $5,000 |
| 11.49% | 48 | $10,000 |
| 12.49% | 60 | $15,000 |
| 13.49% | 72 | $25,000 |
| 14.49% | 84 | $25,001+ |
*
APR = Annual Percentage Rate. Payment Example: A 60-month loan of $15,000 at 12.99% fixed APR will have 60 monthly payments of $22.75 per $1,000 borrowed. The minimum loan amount is $500. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.
**
APR = Annual Percentage Rate. The “APR AS LOW AS” rates listed above requires a FICO score of 760 or greater and includes a 0.50% loan rate discount (consisting of a 0.25% Ultimate tier loan rate discount through our Relationship Rewards Program (Program) + a 0.25% loan rate discount for autopay). Actual APR offered may be higher depending on the applicant’s credit rating and other underwriting factors. Must qualify for the Program at time of funding. Unsecured personal closed-end loans (excluding Five-O Funds Loans, Firearm & Equipment Loans, and other special-program personal loans) and new or used vehicle loans (excluding mobile home loans) are eligible for the Program’s loan rate discount. Any Program loan rate discount will remain in place for the term of the loan. Program loan rate discounts may not be combined with any other promotion or offer. Go to lapfcu.org/relationship-rewards for complete details. Other restrictions may apply, ask for complete details.
FIVE-O FUNDS LOANS FOR NEW LAW ENFORCEMENT PERSONNEL
Effective Date: March 2, 2026
| Loan Amount and Term: | Fixed Rate APR*: |
|---|---|
| $500-$5,000 | 5.49-17.99% |
*
APR= Annual Percentage Rate. For sworn and civilian law enforcement personnel from federal, state, county, or municipal law enforcement agencies in qualifying areas we serve who apply during their first year of employment or rehiring. Payment example: A 36-month personal loan at 5.49% fixed APR will have 36 monthly payments of $30.19 for each $1,000 borrowed. Finance charges will be assessed the day the loan is funded. The Five-O Funds loan has a minimum loan amount of $500 and a maximum loan amount of $5,000. The term of the loan can be up to 3 years (36 months). Must be a Los Angeles Police Federal Credit Union member in good standing and cannot currently be in bankruptcy. Actual APR offered may be higher depending upon the applicant’s credit rating and other underwriting factors. You may only apply for and receive this loan once. Must provide proof of employment with a law enforcement agency. All rates and terms are subject to change without notice. May not be combined with any other offer. The Relationship Rewards Program loan rate discount does not apply to Five-O Funds loan and other restrictions may apply, ask for complete details.
PERSONAL LINE OF CREDIT
Effective Date: April 1, 2026
| TYPE | VARIABLE APR* | NON-VARIABLE APR* |
|---|---|---|
| Personal Unsecured Line of Credit | ||
| APR | 11.49-17.49% | 13.40-17.90% |
| Payment Amount | 2.6% of Balance | 2.6% of Balance |
*
APR = Annual Percentage Rate. This Personal Unsecured Line of Credit has a variable APR based on your creditworthiness. Variable rates may increase or decrease during the term of the loan. Minimum loan amount: $500. Maximum limit: up to $100,000. Finance charges will be assessed starting the day the charge is posted to your account. The APR will vary with the market based on the Prime Rate plus a margin. All rates and terms are subject to change without notice.
**
APR = Annual Percentage Rate. This Personal Unsecured Line of Credit has a fixed APR based on your creditworthiness. Maximum limit: up to $100,000. Finance charges will be assessed starting the day the charge is posted to your account. All rates and terms are subject to change without notice.
SHARE & CERTIFICATE SECURED LOANS
Effective Date: March 2, 2026
| Fixed Rate APR | |
|---|---|
| Shared Secured Loan* | |
| Up to 36 Months | 5.25- 7.75% |
| LAPFCU Share Certificate Secured Loan** | |
| Rate | 4.25- 6.75% |
| Amortized Loan Term | Up to the Certificate Maturity Date |
*
APR = Annual Percentage Rate. Payment Example: A 36-month loan of $5,000 at 6.50% fixed APR will have 36 monthly payments of $30.65 per $1,000 borrowed. Minimum loan amount of $500 and maximum loan amount of $5,000. Maximum loan term of 36 months. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.
**
APR = Annual Percentage Rate. Payment Example: A 36-month loan of $5,000 at 5.50% fixed APR will have 36 monthly payments of $30.20 per $1,000 borrowed. Minimum loan amount of $500 and maximum loan amount of $100,000. Maximum loan term of 60 months. All rates and terms are subject to change without notice. Restrictions may apply, ask for complete details.
STATEMENT OF THE MILITARY ANNUAL PERCENTAGE RATE (MAPR)
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). For further important information required under the Military Lending Act pertaining to your payment obligations, please call (877) 695-2732, option 9.
Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). For further important information required under the Military Lending Act pertaining to your payment obligations, please call (877) 695-2732, option 9.
LAPFCU is a full service financial services provider for sworn and civilian law enforcement professionals of federal, state, county, and city agencies and their family members in Southern California.