Serving the Lutheran Church-Missouri Synod Community
LutheranFCU. Good for You. Good for the Church.
Do you have a purchase in mind or an upcoming project and need some extra money?

Whatever Loans and Whatever Line of Credit

Do you have a purchase in mind or an upcoming project and need some extra money? Whether you would like to consolidate existing debt, pay tuition, finance a wedding or even plan a family vacation, LutheranFCU offers convenient personal loans at very competitive rates! Think of this as your “whatever you need” financing option.


Whatever Loans

  • A flexible way to borrow funds for almost any lending need
  • Lump Sum loan with fixed monthly payments
  • Competitive interest rates starting at 6.65% (APRs starting at 6.79%)*
  • Our online application takes only 10 minutes to complete with quick decision response times.


Whatever Line of Credit

  • Borrow only what you need, when you need it.
  • Access your available credit at any time by transferring funds from your Whatever Line of Credit loan directly to your LFCU Checking account for immediate use!
  • Competitive APRs starting at 6.65%**
  • Our online application takes only 10 minutes to complete with quick decision response times.


What will I need?

Proof of Income

  • Recent pay statement showing year-to-date pay and all deductions
  • Self-employed applicants, please submit the two most recent year tax returns including all schedules.
  • Social security income and other retirement income, please submit two recent months of direct deposit records or most recent annual income benefit “award” letter with your most recent retirement 1099 tax form

How Will I Receive My Monthly Billing Statements?

LutheranFCU offers free and secure statements that you can access at any time through your Online Banking Account. In addition, by your enrollment in eStatements, a link to your account and statement information will arrive electronically every month, quickly and safely.

How Can I Make My Loan Payments?

The easiest way to set up loan payments is to log into your personal Lutheran Federal Credit Union Home Banking account, and use the “Transfer/Payments” tab to set up a single payment or even recurring loan payments. Other options include making payments through an online bill pay service or you can authorize LutheranFCU to automatically set up your monthly payments by ACH. To set up your payment by ACH, please complete the Automated Loan Payment Form

* APR is the Annual Percentage Rate. Rate referenced above is the lowest rate possible for qualified borrowers and is based on underwriting criteria. There is a one-time $50 loan processing fee. Loan example: $15,000 at 6.65% for 60 monthly payments of approximately $294.54 each with a corresponding APR of 6.79%. All loans are subject to approval. Additional terms and conditions may apply.

** APR is the Annual Percentage Rate. Rate referenced above is the lowest rate possible for qualified borrowers and is based on underwriting criteria. Rate will adjust monthly based on Prime Rate published in The Wall Street Journal plus a margin based on underwriting criteria with a maximum APR limit of 18.0%. $50 set up fee paid at origination. $50 annual renewal fee for ongoing access to the Line of Credit. Line of Credit payment example: With an outstanding balance of $10,000, the minimum payment would be $250.00. As a variable rate loan product, rate and payment is subject to increase after consummation. All loans are subject to approval. Additional terms and conditions may apply.