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Unsecured Loans

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Los Alamos Schools Credit Union has two different unsecured loans for you to choose from: educational loans or signature loans. These loans are unique in that you may choose to have balances as high as $20,000 for signature loans or $5,000 for educational loans based on approved credit.You may have the signature loan in one loan or a combination thereof, and the interest rates are lower than most major credit cards.

A personal loan is a fixed term loan that can be used for credit card consolidation, medical expenses, home improvement, or any other personal need.

 

Education Loans

Our Education Loans are designed to assist members who plan on continuing their education. The idea isn't to pay for the entire educational expense, but rather to help with a portion of the expense. LASCU offers a very competitive rate by associating the rate to the government prime rate, which is historically below market. This pricing aligns with our desire to encourage members to advance their education with the least amount of cost possible.

The maximum a member can borrow is $5,000 in the form of an education line-of-credit. The member is given a credit limit, similar to a credit card, which they can advance on when the need arises. Payments are made each month and the recommended minimum advance is $100. Proof of enrollment or receipt of school related expense is required.

 

RATES

 

Type Maximum Term

Interest Rate
(Fixed Rate)

APY
Signature Loan 12 Months *9.00% *9.00%
Signature Loan 24 Months

*10.00%

*10.00%

Signature Loan 36 Months *11.00% *11.00%

Open-ended Line of Credit

Variable Rate

Open End *8.25% *8.25%

Education Line of Credit

Variable Rate

Open End *6.25% *6.25%

 

* On approved credit.

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Copyright (c) 2008 LASCU. All rights reserved .Los Alamos Schools Credit Union 1900 Diamond Drive, Los Alamos, NM 87544, P - (505) 662-3421 | F - (505) 662-4930, TOLL FREE 1-877-662-3421
Your savings are insured up to at least $250,000 by the National Credit Union Administration (NCUA), a U.S. Government Agency. LASCU is an Equal Housing Opportunity lender.

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