RATES
SAVINGS RATES
Rates shown are current as of November 1, 2025, and are subject to change. The minimum balances indicated are required to earn the Annual Percentage Yield (APY). Fees may reduce earnings on the accounts. Dividend Calculation Method: Average Daily Balance, Compounded Monthly. Published rates reflect the dividend rate only. APY will vary month to month based on the number of days in the given month. Contact us for details.
Limited-Time Certificate Offer: Earn 4.40% APY in Just 6 Months
Looking for a safe and smart way to grow your savings fast? Take advantage of our special 6-month Certificate of Deposit—designed to put your money to work with zero barriers to entry.
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4.40% APY* – Earn a high return in just 6 months
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$0 minimum – Start with whatever amount you have
We’ve removed the minimum deposit requirement to make investing accessible to everyone, whether you’re building your first savings goal or growing your portfolio.
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With interest rates fluctuating, this short-term CD locks in a competitive return, providing you with peace of mind and reliable earnings in just half a year.
But don’t wait—this offer is only available for a limited time.
Get Started Today:
Open online or visit our branch. No minimum. No hassle. Just 4.40% APY in 6 months.
*Annual Percentage Yield (APY) accurate as of June 23, 2025. To open and obtain an APY, a minimum deposit of $0 in new funds and balance applies. The maximum amount is $250,000. Contact us to make additional deposits at any time during the term of the certificate. Early withdrawal penalties apply and may reduce earnings. Offer and rates subject to change without notice. Unless you tell us otherwise prior to maturity, certificates automatically renew on the maturity date to a 6-month certificate at the current rate in effect. Membership required. Federally insured by NCUA.
**New Money: Funds that are not currently held or maintained within any existing accounts at Labor Credit Union.
REGULAR SHARE SAVINGS
| Amount (Minimum balance to open $5) | Dividend Rate | APY |
|---|---|---|
| $0 - $50 | 0% | 0% |
| $50+ | .03% | .03% |
MONEY MARKET1
| Amount (Minimum balance $500) | Dividend Rate | APY |
|---|---|---|
| $500-$1,999 | 0.60% | 0.60% |
| $2,000 - $9,999 | 0.80% | 0.80% |
| $10,000 - $19,999 | 0.85% | 0.85% |
| $20,000 - $39,999 | 0.90% | 0.90% |
| $40,000 - $74,999 | 0.95% | 0.95% |
| $75,000 - $99,999 | 1.00% | 1.00% |
| $100,000 and over | 1.20% | 1.20% |
IRA SHARE SAVINGS ACCOUNTS
| Amount (Min balance to open: $0) | Dividend Rate | APY |
|---|---|---|
| $0 - $25 | 0% | 0% |
| $25+ | .30% | .30% |
BASIC CHECKING
| Amount (No minimum balance) | Dividend Rate | APY |
|---|---|---|
| No minimum balance | 0% | 0% |
REWARD CHECKING2
| Amount (With basic requirements) | Dividend Rate | APY |
|---|---|---|
| $0 - $20,000 | 2.90% | 2.90% |
| $20,000 + | .15% | .15% |
JOURNEY SAVINGS YOUTH
| Amount (No minimum balance) | Dividend Rate | APY |
|---|---|---|
| $0 - $1,000 | 3.00% | 3.00% |
| $1,000 + | .05% | .05% |
HOLIDAY SAVINGS CLUB
| Amount (Minimum balance to open $5) | Dividend Rate | APY |
|---|---|---|
| $0 - $50 | 0% | 0% |
| $50+ | .05% | .05% |
SHARE AND IRA CERTIFICATES3
| Term (Minimum balance $500) | Dividend Rate | APY |
|---|---|---|
| 6 month certificate | 3.36% | 3.40% |
| 1 year certificate | 3.94% | 4.00% |
| 2 year certificate | 3.50% | 3.55% |
| 3 year certificate | 3.55% | 3.60% |
| 4 year certificate | 3.50% | 3.55% |
| 5 year certificate | 3.50% | 3.55% |
| 6 month certificate (Promo - no minimum balance) | 4.33% | 4.40% |
Dividend Period: With the exception of Money Market Accounts, dividend payment postings for Shares/Share Certificates/IRAs/Club Accounts will be paid on the last day of each quarter.
Money Market Draft Account (MMDA): Dividend will be paid on the last day of the month. The balance computation method for all Money Market dividend-bearing accounts will be the Average Daily Balance method, which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is calculated by adding the balance in the account for each day of the period and dividing that figure by the number of days in the period.
Share Certificates Transaction Grace Period: For a period of 10 days from the Share Certificate renewal date, a member may make changes or withdraw funds without being charged a penalty.
1 Money Market accounts are limited transaction accounts. Exceeding transaction limits may result in a fee.
2 Basic Requirements Per Month: 15 POS debit card transactions, receive eStatements and use of Internet/Mobile Home Banking. If requirements are not met each month, the APY is .05%.
3 Certificates can be opened for Individual Retirement Accounts and Coverdell Education Savings Accounts. A penalty may be imposed for early withdrawal.
Share Account Truth in Savings DisclosureLOAN RATES
Rates are effective as of November 1, 2025 and are subject to change. Loan approval and processing is based on standard loan underwriting guidelines. Not all applicants will qualify for the lowest rate. Program fees, rates and features are subject to change.
AUTO LOANS1
| Term | Rate |
|---|---|
| 0-48 months | Rates starting at 4.79% |
| 49-60 months | Rates starting at 5.29% |
| 61-72 months | Rates starting at 5.79% |
| 73-84 months | Rates starting at 6.29% |
PERSONAL LOANS2
| Credit Range | 0-36 months | 37-48 months | 49-60 months | 61-72 months |
|---|---|---|---|---|
| Excellent No past credit issues | 7.71% | 8.71% | 9.21% | 11.71% |
| Good No recent credit issues | 8.96% | 9.96% | 12.53% | 12.96% |
| Ok Had some issues in the past | 11.03% | 12.03% | 12.53% | 15.03% |
| Needs some improvement | 13.93% | 14.93% | 15.43% | 17.93% |
| Multiple credit issues... but we'll try to work with you | 16.75% | 17.75% | NA | NA |
REVOLVING LOANS
| Credit Range | Mastercard Credit Card |
|---|---|
| Excellent No past credit issues | 8.99% |
| Good No recent credit issues | 10.99% |
| OK. Had some issues in the past | 12.99% |
| Needs some improvement | 17.99% |
INTEREST ONLY HELOC³
| Credit Tier | <80% CLTV | 80.01 - 90% CLTV | 90.01 - 95% CLTV |
|---|---|---|---|
| Excellent No past credit issues | Prime -.25% | Prime + .25% | Prime + .75% |
| Good No recent credit issues | Prime + 0% | Prime + 1.00% | Prime + 2.00% |
| OK Had some issues in the past | Prime + 1.25% | Prime + 2.00% | NA |
| Needs some improvement | Prime + 2.50% | NA | NA |
5 Year Adjustable HELOC3
| Credit Tier | <80% CLTV | 80.01 - 90% CLTV | 90.01 - 95% CLTV |
|---|---|---|---|
| Excellent No past credit issues | Prime + .5% | Prime + 1% | Prime + 1.5% |
| Good No recent credit issues | Prime + 1% | Prime + 2% | Prime + 3% |
| OK Had some issues in the past | Prime + 1.50% | Prime + 2.50% | Prime + 3.50% |
| Needs some improvement | Prime + 2.00% | NA | NA |
SHARE SECURE
| Share Rate + 2% |
|---|
STRETCH PAY4
| Rate | Loan Amount | Annual Enrollment Fee |
|---|---|---|
| 18% | $350 | $35 |
| 18% | $500 | $70 |
| 18% | $750 | $120 |
FIRST MORTGAGE
| Click for daily mortgage rates or call (800) 231-8855 |
|---|
Annual Percentage Rate (APR) shown are for members with excellent credit and may reflect rate discounts for additional credit union services. Your APR may be higher and is determined by our normal underwriting guidelines.
¹For borrowers with excellent credit, a 60-month vehicle loan of $20,000 at 5.29% APR would have 60 monthly payments of $380. Your rate and payment may vary. Approvals based on credit and vehicle condition. Any discounts given by the credit union will not bring the rate below our floor rate of 5.29%. Refi’s mirror term and cosigners of current loan. Eligible model years 2015 or newer; maximum LTV restrictions may apply based on MSRP of new vehicles and the NADA retail value of used vehicles. Collateral insurance required for life of loan.
² The credit union reserves the right to cross-collateralize these types of loans through the loan agreement.
³Prime Rate as published in the Wall Street Journal the first business day of each month. As of November 1, 2025, the Prime Rate is 7.00%. Not all applicants will qualify for this rate. Annual Percentage Rates are based on the applicant’s credit and our underwriting standards, which may include discounts for additional credit union services. APRs are subject to change based on Prime with a minimum rate of 3.00% and maximum of 18%.
The cost of an appraisal, if required, normally ranges from $170–$600 and is paid by the member whether or not the loan closes. A non-refundable $250 processing fee applies to all home equity line of credit applications and is due at the time of application. Borrower is responsible for the remainder of closing costs, which generally range between $175–$2,250, as well as any applicable taxes and insurance. Property insurance is required; flood insurance may also be required.
Program fees, rates, and features are subject to change without notice. Payment examples: 5-year Adjustable HELOC balance of $50,000 equals an estimated $500 monthly payment. Interest-only HELOC for $50,000 at 7.00% would result in a monthly payment of $291.67 during the draw period.
4Certain restrictions apply. To qualify, you must be a member of Labor CU for at least 120 days, have direct deposit of income, have no delinquent Labor CU accounts, and not be in the process of filing for bankruptcy. Finance charges on a 30-day $500 StretchPay loan are $7.40. Loan fee for commercial payday lender charging $15 per $100 borrowed is $150 for $500 borrowed over two 14-day terms. Advances must be paid in full prior to additional advances.
Mastercard Application and solicitation disclosureMastercard and the Mastercard Brand Mark are registered trademarks of Mastercard International Incorporated.