GET UP TO $6,000 FOR YOUR EDUCATION!*
LAPFCU offers two scholarship programs:
3 TRADITIONAL: LAPFCU youth members
3 LAW ENFORCEMENT: Cadets, Explorers, or equivalent/LAPFCU youth members
Awards available for each program:
3 One $6,000 Grand Prize
3 Up to eight $4,500 awards
DEADLINE: April 3, 2023!
Scholarships are awarded based on a combination of academic performance, extracurricular activities, community involvement, and written essay response.
Apply now at lapfcu.org/scholarship or scan the QR code.
Questions? Contact Angela at (818) 779-3398 / adenerson@lapfcu.org or Karla at (714) 603-6027 / krodriguez@lapfcu.org.
*Qualification Requirements: Scholarship Applicant must be an LAPFCU member at time of application submission. No applications will be accepted until membership is verified. Cannot enter if you or an immediate family member is a previous LAPFCU scholarship winner. Applicant must be between 17 and 22 years old and in good standing with LAPFCU. Applicant must be enrolled in an accredited university, college, junior college, technical program, or trade school for fall 2023. If you’re applying for the law enforcement scholarship program, in addition to the above requirements, you must also be an active member or a 2022 graduate of a youth law enforcement program, such as Cadets, Explorers, POPP, ACOP, or equivalent. You can only apply to one LAPFCU scholarship program. Scholarships will be awarded based upon combination of GPA, extracurricular activities, scholastic awards and achievements, community involvement, and a written essay. Applications, essays, and supporting documentation must be submitted online at lapfcu.org/scholarship by April 3, 2023. Attached documents must be in Word or PDF file format only. Complete details at lapfcu.org/scholarship.
FREE WEBINAR: BUDGETING STRATEGIES FOR SUCCESS
WEDNESDAY, FEBRUARY 22 | 6:00-7:00 P.M. PDT1
Master your budget and get control over your finances! Our free webinar will help you learn to use this powerful tool to:
n Create a more secure future
n Identify your short-term and long-term goals
n Design practical spending and savings plans
Join us for this live webinar and change the way you think about your finances!
1Webinar times and dates subject to change or cancellation at any time.
Register at lapfcu.org/webinar, contact Natalie at (818) 779-3393 or email nnahas@lapfcu.org or scan the QR code.
GET YOUR DREAM CAR FOR LESS!
We offer some of the most competitive auto loan rates! Plus, get a 0.50% APR1 discount on your LAPFCU auto loan with our Member BenefitsSM program. And with our unique 10-year auto loan2, you get low monthly payments that fit within your budget.
We can even help you find your ride through Autoland, our free auto-buying service! Your personal Autoland consultant can help find a new car, negotiate a fair price, and deliver your new ride to you. Call (800) 234-6999 or visit lapfcu.autoland.com to get started.
A NEW CAR IS MORE AFFORDABLE THAN YOU THINK!
Rates as Low as 3.74% APR3 for 60 months
1APR = Annual Percentage Rate. Rates listed on website include Member Benefits 0.50% APR reduction includes automatic payment discount. Must qualify for Member Benefits program at time of funding. Go to Member Benefits for complete details. Any loan rate reduction will remain in place for the term of the loan. Program rate reductions may not be combined with any other promotion or offer. The following loan types are excluded from rate reductions: real estate loans, unsecured lines of credit, credit cards, share loans, and share certificate loans. All rates, terms, and promotional offers are subject to change without notice. Restrictions may apply, ask for complete details.
2Effective rate date as of January 11, 2023. Ten-year auto loan term only available for new car loans. Not available for used car loans. 10-year (120 month) term payment example: A 10-year auto loan at 4.99% Fixed APR (Annual Percentage Rate) with zero down payment will have 120 monthly payments of $10.60 per each $1,000 borrowed. To qualify for 4.99% Fixed APR for 120 months requires a FICO score of 760 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant’s credit rating and other underwriting factors (must participate in automatic payments program and qualify for Member Benefits program at time of funding). Go to lapfcu.org/member-benefits/ for complete details. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Other restrictions may apply, please ask for complete details.
3EFFECTIVE RATE DATE: January 12, 2023. To qualify for 3.74% fixed APR for 60 months requires a FICO score of 760 or greater and member must qualify for Member Benefits. Actual APR offered may be higher depending upon applicant’s credit rating and other underwriting factors (Member must participate in automatic payment program and qualify for Member Benefits program at time of funding). Go to lapfcu.org/member-benefits/ for complete details. 60-month term payment example: A 5-year loan at 5.74% fixed APR with zero down payment will have 60 monthly payments of $19.21 per each $1,000 borrowed. All rates, terms, and promotional offers are subject to change without notice. Cannot be combined with any other offer. Restrictions may apply, ask for complete details. Up to 125% financing for new automobiles and used/classic automobiles of retail value, plus tax, license, document fees and service maintenance contracts, on approved credit tier
SAVE THE DAY! HOME EQUITY IS YOUR SUPERPOWER!
Battle high costs and crush debt with a low-interest home equity loan or line of credit.
3 Simplify It: Easy process, quick turnaround time, one payment
3 Pay Less: No fees2
3 Do More: Repair/remodel your home, consolidate debt, fund an education, finance any need
Visit lapfcu.org call (877) 695-2732 or scan the QR code.
HOME EQUITY LOAN INTEREST RATES STARTING AT 6.00
1APR = Annual Percentage Rate. 6.000% fixed APR (rate effective January 23, 2023) is based on a loan term of up to 84 months for Home Equity Loans. Minimum loan amount $25,000. Maximum loan-to-value is 80% for owner occupied properties, and 70% for non-owner-occupied properties. Maximum term on owner occupied properties is 20 years, and 15 years on non-owner-occupied properties. Loans available on 1-4 family dwellings. Property hazard insurance is required. Home Equity Loans are available for properties located in California, Arizona, Colorado, Idaho, Montana, Nevada, Oregon and Utah. 7-year rate term payment example: $50,000 loan with 6.000% fixed APR for 84 months would cost $14.61 per $1,000 borrowed. All loans are subject to credit approval and applicable LAPFCU policies. All advertised rates and terms are subject to change without notice. Your actual payment may vary. Restrictions apply, ask for complete details.. 2APR = Annual Percentage Rate. 7.75% Variable APR (rate effective January 23, 2023) for Home Equity Lines of Credit. Minimum loan amount of $25,000 and a minimum draw of $5,000 at funding. Variable rates may increase or decrease during the term of the agreement and is tied to the (WSJ) Prime Rate + 0.75% margin. Maximum life APR cap is 18%. Property hazard insurance is required. 80% combined loan to value for owner occupied or second home properties located in California only. All loans are subject to creditworthiness. $500.00 fee for early termination if closed prior to two (2) years. If balance is at zero, a yearly draw of $100.00 is required to avoid the non-usage fee of $75.00. All rates and terms are subject to change without notice. Other restrictions may apply, ask for details.
