Rev Up the New Year with an Auto Loan at 1.90%APR*

“Gentlemen and ladies, start your engines”… with an LA Financial Vehicle Loan as low as 1.90% APR. This incredible rate is available only on model years 2013 and 2014 with 6,000 miles or less on them. AND it’s available with up to 60-month terms… and up to 100% financing.

In short, we can put you on the inside track when it comes to saving on a new car. At 1.90% APR, your monthly payments are just $17.50 per $1,000 borrowed for 60 months.

We also offer cost-cutting rates on pre-owned vehicle loans — as low as 2.40% APR for model years 2009 through 2013 — with the same great terms. Monthly payments with this loan are just $17.72 per $1,000 borrowed for 60 months.

Drive into the new year with one of the best loan rates on the road. Use our exceptional rates and terms to downshift the cost of any new car or pre-owned car, truck or minivan, or to refinance your current vehicle financed at another lender.

Just apply online or call 800.894.1200 to get pre-approved today, so you can bargain with the power of “cash in hand.”

* APR= Annual Percentage Rate. Based on 100% of purchase price plus tax and license on dealer purchase. Private party purchase requires DMV paperwork and 100% retail Kelley Blue Book price. Available on approved credit. Must qualify for loan under LA Financial Credit Union guidelines, including age and value of auto. Annual Percentage Rate (APR) may vary according to length of term, age of vehicle and your credit worthiness. As low as 1.90% APR for 60 months on new autos, light trucks, and motorcycles includes 0.50% reduction for checking account with Direct Deposit –OR- 0.25% reduction for automatic payment and 0.25% reduction for Direct Deposit/Payroll Deduction – maximum rate reduction is 0.50%. Based on 100% of purchase price for new cars; 100% of Kelley Blue Book retail price for used cars.


Up to 90% Financing on HELOCs Available

If you’ve been wanting to set up a Home Equity Line of Credit (HELOC), but feared that, due to the last downturn in real estate prices, you didn’t have enough equity to qualify, we have exciting news for you... LA Financial now offers our exceptional HELOCs with a combined loan-to-value ratio as high as 90%. So you can tap more of your equity — from $10,000 to $250,000 — and qualify more easily, too.

Of course, you’ll still enjoy all the advantages of our superior Home Equity Lines:

  • Rates as low as 3.25% APR*
  • NO Points
  • Your payment is just 1.25% of your actual balance at the end of each cycle month.
  • And, your interest may be tax deductible**

Apply online, in person, or by phone and start making some of your big dreams a reality.

*APR= Annual Percentage Rate. **Consult with your tax advisor; interest may be deductible up to $100,000. No Annual Fee. Payment amount $12.50 per $1,000 borrowed. Minimum loan amount $10,000.00; maximum loan amount $250,000.00. Maximum CLTV 90%. Minimum floor rate 3.250%; Maximum cap rate 18.000%. Applicant’s rate may be higher and CLTV may be lower depending on credit rating. Rates quoted are for owner-occupied transactions secured by a Single Family Residence, LTV 90% and below. We will not subordinate to a negative amortization or interest-only loan. Rate is variable, and is based on the Prime Rate Index currently at 3.250% as published in the Wall Street Journal on December 31, 2012, and is subject to change after consummation. Other conditions and restrictions may apply. Fees for owner-occupied dwellings include: appraisal fee, document preparation fee, flood certification fee, recording fee, and title charges. Additional fees may apply.


Introducing Visa Platinum Rewards

Finally, you can have it ALL…at least, in a credit card. LA Financial has augmented its low-cost, high-limit Platinum VISA to include one of the most impressive reward programs in the credit card industry.

Finally, you can have it ALL…at least, in a credit card. LA Financial has augmented its low-cost, high-limit Platinum VISA to include one of the most impressive reward programs in the credit card industry.

Better still, these rewards are simply the icing on the cake, topping such benefits as:

  • A fixed rate of 11.96% APR
  • No annual fee
  • No cash advance fee
  • And a 25-day grace period for purchases
  • Plus $500,000 travel insurance

Clearly, our VISA Platinum Rewards card should be your first choice whenever you pay by credit. If you don’t yet have this card, call 800.894.1200 or apply online and start earning your rewards now. Once you have a card, go to to register for your rewards!

Foreign transaction fee up to 1%; $25 late payment fee; and $20 returned payment fee. Terms, features, programs, and conditions subject to change.


LA Financial Credit Union is an Equal Opportunity Lender.

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Disclaimer: LA Financial Credit Union is not responsible for the privacy practices or the content of web sites which we may provide a link to. While all efforts are made to maintain the accuracy of information presented on the LA Financial Credit Union web site, we cannot guarantee that all information is current. Please contact the Credit Union call center directly for the most current information at 800.894.1200.