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All Consumer Loan Rates

Rates effective as of 01-25-2020 and subject to change.

Table data for New/Used Auto and Motorcycle
Rates Effective 01-25-2020
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 2015 Up to 48 Months↵ ²2015 - 2016 Up to 60 Months↵ ³2017 - 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 01-25-2020
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 01-25-2020
	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 01-25-2020
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 01-25-2020
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 01-25-2020
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 01-25-2020
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 01-25-2020
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 01-25-2020
	Rate	APR	Payment per $1,000	Alert Me
Based on 5 year amortization schedule	5.25%	5.25%	$4.38/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 01-25-2020
Loan Amount		APR	Weekly Payment	# of Weekly Payments	Total of Payments	Alert Me
$25,000	Based on 5 year amortization schedule	5.25%	$109.47	260	$28,459.77

Consumer Loans