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Refinance and Save


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1Offer valid October 1, 2020 – December 31, 2020. Must refinance an auto loan from another lender, existing LAPFCU auto loans do not qualify for $200 credit. Borrowers with an 800 or above FICO score can only qualify for the offer if they select a 72-month or longer loan term. Lowest rate available for this offer is 2.49% APR (effective rate date of September 2, 2020). Refinanced auto loan must be at least $10,000 to be eligible for the $200 credit. The $200 will be credited to the primary applicant’s S1 Share Savings Account within 60 days after auto loan origination. Rates are subject to change without notice at any time. Actual APR offered may be higher depending upon applicant’s credit rating and other underwriting factors. Offer subject to change or cancellation at any time and other restrictions may apply. May not be combined with any other offers. Members who receive the $200 offer cannot refinance the new loan with LAPFCU again for a lower APR. Please ask for complete details.

 2Number of total payments on your loan remains the same, and interest continues to accrue during deferred payment months. Deferring a payment may void your GAP insurance. Please consult your insurer for complete details.

3APR = Annual Percentage Rate. 0.00% introductory APR will continue for six months. After the introductory APR, the effective rate as of September 8, 2020 for Platinum Rewards Visa is a variable rate of 8.40% to 17.90% APR based on your creditworthiness; for Visa Classic and My First Visa is a non-variable rate of 12.99% APR to 17.90% APR based on your creditworthiness. APR subject to change. The Platinum Visa APR will vary with the market based on the Prime Rate plus a margin. Cash advance transactions are subject to a cash advance fee which shall be the greater of $2.00 or 2% of the amount of the advance which is posted to the account during the billing cycle, but not to exceed $25.00 per cash advance. Cash advances do not have a grace period, finance charges will be assessed starting the day the charge is posted to your account. There is a 1% fee for foreign transactions in non-U.S. currency and a 0.8% fee for foreign transactions in U.S. dollars. 0820-46