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New Auto Loan: 2.45% APR*

Used Auto Loan: 2.80% APR*

12 Month Jumbo Share Cert: 1.05% APY*

Money Market $100,000 & up: 0.50% APY*

All Rates & Disclosures

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What’s important to us? Quite simply: you. We’re devoted to giving our Members the best deals and service, while upholding timeless values.

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Achievements

Top 200 Healthiest Credit Union

5 Stars for Financial Health

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Each year, we give back thousands in time, money, and resources, to build our community via a variety of highly rated local programs and charities.

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We recently switched from a national bank and the change was amazing. On the first visit, the staff knew my name! I was with the other bank for 25 years and they didn’t even know my name. LBS Financial employees are extremely helpful and treat me like family.Member since 2013

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Not sure how to make a budget? Want to know the best ways to build your credit fast? Head over to our short educational modules to learn all the best financial tips and strategies.

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Holiday

January 1, 2023

New Year's Day

January 20, 2023

Martin Luther King, Jr.'s Day

February 17, 2023

President's Day

May 25, 2023

Memorial Day

September 7, 2023

Labor Day

October 12, 2023

Columbus Day

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November 26, 2023

Thanksgiving Day

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Christmas Eve

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Christmas Day

New Auto Rates

Rates Effective as of: 08-03-2023 (PST)

Autos, Trucks and Vans (New & Prior model year up to 18,000 miles)

Percentage Financed

36 Month APR* as low as

48 Month APR* as low as

66 Month APR* as low as

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84 Month** APR* as low as

100%

2.55%

2.80%

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3.10%

3.50%

90%

2.45%

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2.85%

3.00%

3.40%

*APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers.

Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account . New vehicle rates also reflect a 0.15% discount for a new auto purchase (2023 or newer) through the Surrogate Auto Shopper

A loan at 2.85% APR for 66 months will have a monthly payment of $16.40 per $1,000 borrowed or a $328.00 monthly payment based on an amount financed of $20,000. New vehicle loan amount may not exceed 100% MSRP including taxes plus and license, PLUS warranty up to 2,500 for 2 wheel drive and 3,000 for 4 wheel drive, GAP up to $1,000 and pre-paid maintenance up to $1000. Some restrictions apply.

** $20,000 minimum financed on an 84 month loan. 84 month financing only available on vehicles 2013 and newer of $20,000 or more and for FICO scores of 625+.

Used Auto Rates

Rates Effective as of: 08-03-2023 (PST)

Pre-Owned Autos, Trucks and Vans (Model years 2013-2023 pre-owned vehicles.)

Percentage Financed

36 Month APR* as low as

48 Month APR* as low as

66 Month APR* as low as

75 Month APR* as low as

84 Month** APR* as low as

100%

2.90%

3.15%

3.30%

3.45%

3.85%

90%

2.80%

3.05%

3.20%

3.35%

3.75%

*APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers.

Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account.

A loan at 3.20% APR for 66 months will have a monthly payment of $16.56 per $1,000 borrowed or a $331.20 monthly payment based on an amount financed of $20,000. Used vehicle loan amount may not exceed 100% of retail Kelley Blue Book value including taxes and license PLUS warranty up to $2,500 for 2 wheel drive and $3,000 for 4 wheel drive, GAP up to $1,000, and pre-paid maintenance up to 1,000. Some restrictions apply.

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Rates Effective as of: 08-03-2023 (PST)

Pre-Owned Autos, Trucks and Vans (Model years 2012 pre-owned vehicles)

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Minimum Amount Financed

Up to 36 Month APR* as low as

Up to 48 Month APR* as low as

Up to 66 Month APR* as low as

up to 90%

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4.90%

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5.30%

*APR=Annual Percentage Rate. Loan rate and percent financed is based on LBS Financial credit approval. All loans exclude add-on insurance. The actual rate you receive is determined by a combination of factors; including credit qualifications, loan amount, collateral, down payment and terms. We may add an additional 1% to the published rate for first time buyers.

Rates reflect a 0.25% discount for automatic transfer from an LBS Financial Checking or Savings account.

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Rates Effective as of: 08-03-2023 (PST)

Money Market Rates

Balance

Anticipated Dividend Rate

Anticipated APY*

Below $2,500.00

0.10%

0.10%

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0.20%

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0.30%

0.30%

$50,000 to $99,999

0.40%

0.40%

$100,000 and above

0.50%

0.50%

The dividend rate and APY are paid on the entire balance in the account. The dividend rate and Annual Percentage Yield (APY) may change at any time and without notice, solely at the Credit Union's discretion. Fees or other conditions may reduce the earnings on the account. Contact the Credit Union for more information about fees and rates.

Rates are subject to change without notice.