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All Consumer Loan Rates

Rates effective as of 08-22-2019 and subject to change.

Table data for New/Used Auto and Motorcycle
 Rates Effective 08-22-2019
Credit Score 48 Month Rate/APR1 48 Month Payment Example/$1,000 60 Month Rate/APR2 60 Month Payment Example/$1,000 72 Month Rate/APR3 72 Month Payment Example/$1,000 Alert Me
750 + 2.99% $5.11/week 3.25% $4.17/week 3.25% $3.53/week
700 - 749 3.99% $5.21/week 4.25% $4.27/week 4.25% $3.64/week
650 - 699 4.99% $5.31/week 5.25% $4.38/week 5.25% $3.74/week
600 - 649 6.99% $5.52/week 7.99% $4.67/week 7.99% $4.04/week
550 - 599 7.99% $5.62/week 8.99% $4.78/week 8.99% $4.15/week
< 550 10.99% $5.95/week 11.99% $5.12/week 11.99% $4.50/week
APR = Annual Percentage Rate
Rate reflects .50% discount for automatic payments from your BFCU account. Rates may vary based on individual credit score. No pre-payment penalties.
  • 1Older than 2014 Up to 48 Months↵
  • 22014 - 2015 Up to 60 Months↵
  • 32016 - New Model up to 72 Months↵

Table data for New/Used Auto and Motorcycle Payment Examples
 
Loan Amount Term APR Weekly Payment # of Weekly Payments Total of Payments Alert Me
$20,000 48 Months 2.99% $102.03 208 $21,222.15
$20,000 60 Months 3.25% $83.35 260 $21,670.53
$20,000 72 Months 3.25% $70.56 312 $22,013.74

 

Table data for New/Used Boat
 Rates Effective 08-22-2019
Term Rate APR Payment Example per $1,000 Alert Me
6 years 7.99% 7.99% $4.06/Week Receive a notification when this rate changes
APR = Annual Percentage Rate
Rate reflects .50% discount for automatic payments from your BFCU account.

Table data for New/Used Boat Payment Example
 
Amount Term APR Weekly Payment Amount # of Weekly Payments Total of Payments Alert Me
$20,000 6 Years 7.99% $81.12 312 $25,306.74

 

Table data for VISA Interest Rates and Interest Charges
 Rates Effective 08-22-2019
VISA Classic VISA Platinum Alert Me
Annual Percentage Rate (APR) for purchases 12.90% 9.90%
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50. If you are charged interest, the charge will be no less than $0.50.

 

 

 

 

Table data for Personal Loan
 Rates Effective 08-22-2019
Credit Score Rate APR Payment Example per $1,000 Alert Me
750 + 7.99% 7.99% $5.62/week Receive a notification when this rate changes
700-749 8.99% 8.99% $5.73/week Receive a notification when this rate changes
650-699 10.99% 10.99% $5.95/week Receive a notification when this rate changes
600-649 11.99% 11.99% $6.06/week Receive a notification when this rate changes
550-599 13.99% 13.99% $6.28/week Receive a notification when this rate changes
< 550 14.99% 14.99% $6.40/week Receive a notification when this rate changes
APR = Annual Percentage Rate
Rate reflects .50% discount for automatic payments from your BFCU account.
Maximum loan amount is $30,000.
Maximum loan term is 4 years.
No pre-payment penalties.

Table data for Personal Loan Payment Example
 
Loan Amount Term APR Weekly Payment # of Weekly Payments Total of Payments Alert Me
$30,000 4 years 10.99% $179.59 208 $37,352.76

Table data for Vacation Loan
 Rates Effective 08-22-2019
Term Rate APR Payment Example per $1,000 Alert Me
1 year 5.99% 5.99% $19.83/Week
APR = Annual Percentage Rate
Rate reflects .50% discount for automatic payments from your BFCU account. Maximum amount is $5,000. Maximum term is 1 year. No pre-payment penalties

Table data for Vacation Loan Payment Example
 
Loan Amount Term APR Weekly Payment # of Weekly Payments Total of Payments Alert Me
$5,000 1 year 5.99% $99.11 52 $5,153.69

Table data for Holiday Loan
 
Term Rate APR Payment Example per $1,000 Alert Me
1 Year 5.00%* 5.00%* $19.73/Week
APR = Annual Percentage Rate. Qualification restrictions apply. Rate reflects .50% discount for automatic payments from your BFCU account. Payment is $19.73/Week per $1,000 borrowed for 12 months. No pre-payment penalties. Available October until December

Table data for Holiday Loan Payment Example
 
Loan Amount Term APR Weekly Payments # of Weekly Payments Total of Payments Alert Me
$5,000 1 Year 5.00% $98.95 52 $5,144.92

Table data for Line of Credit
 Rates Effective 08-22-2019
Rate APR Payment Example per $1,000 Alert Me
10.99% 10.99% $20.47/Week
APR = Annual Percentage Rate
Rate reflects .50% discount for automatic payments from your BFCU account. Maximum borrowing amount is $5,000. Minimum advance amount is $1,000. No pre-payment penalties.

Table data for Line of Credit Payment Example
 
Loan Amount Term APR Weekly Payment # of Weekly Payments Total of Payments Alert Me
$5,000 N/A 10.99% $102.36 52 $5,322.33

 

 

 

 

Table data for High School/Elementary School Tuition Loan
 Rates Effective 08-22-2019
Term Rate APR Alert Me
1 year 6.99% 6.99%
APR = Annual Percentage Rate
Payments are approximately $20.01 per week per $1,000. Rate reflects .50% discount for automatic payments from your BFCU account. Maximum borrowing amount is $15,000. Maximum term is 1 year. No pre-payment penalties.

Table data for High School/Elementary School Tuition Loan Payment Example
 
Loan Amount Term APR Payment Amount # of Weekly Payments Total of Payments Alert Me
$10,000 1 year 6.99% $200.14 52 $10,406.83

Table data for College Tuition Loan
 Rates Effective 08-22-2019
Term Rate APR Payment Example per $1,000 Alert Me
10 Years 6.99% 6.99% $2.68/Week
APR = Annual Percentage Rate
Rate reflects .50% discount for automatic payments from your BFCU account.
Maximum borrowing amount is $40,000.
Maximum term is 10 years.
No pre-payment penalties.

This loan may be refinanced annually to properly meet your tuition needs.
Because this is an unsecured loan, certain underwriting restrictions may apply.

Table data for College Tuition Loan Payment Example
 
Amount Term APR Payment Amount # of Weekly Payments Total of Payments Alert Me
$30,000 10 Years 6.99% $80.16 520 $41,679.69

 

Table data for Professional Education Line of Credit (Variable Rate)
 Rates Effective 08-22-2019
Rate APR Payment per $1,000 Alert Me
Based on 5 year amortization schedule 5.75% 5.75% $4.45/week
Maximum borrowing amount is $25,000. Maximum advance is $7,500. 10 year loan based on a 5-year amortization schedule. Minimum payment will be calculated on a 5-year amortization schedule. Rate reflects .50% discount for payments made through payroll deduction. APR = Annual Percentage Rate. Variable rate APR is subject to change without notice. Maximum APR is 10.00%. No pre-payment penalties. Subject to credit approval. Borrow must provide a bill or a receipt from school before advances are made. The annual percentage rate is based on the value of an index. The index is the prime rate +1 published in the Money Rates column of the Wall Street Journal. When a range of rates has been published, the higher rate will be used. We will use the most recent index value available to us as of 1 day before the date of the monthly percentage rate adjustment.

Table data for Professional Education Line of Credit Payment Example (Variable Rate)
 Effective Date 08-22-2019
Loan Amount APR Weekly Payment # of Weekly Payments Total of Payments Alert Me
$25,000 Based on 5 year amortization schedule 5.75% $111.07 260 $28,877.20

 

 

 

 

 

 

 

 

 
Consumer Loan Request
VISA Application
Professional Education Line of Credit Application
VISA Platinum Card Rewards Program
Equifax Data Breach Information
Consumer Loan Request
VISA Application
Professional Education Line of Credit Application
VISA Platinum Card Rewards Program
Equifax Data Breach Information