All Consumer Loan Rates

Rates effective as of 01-20-2018 and subject to change.

New/Used Auto and Motorcycle

  •  Rates Effective 01-20-2018
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 + 2.49% $5.06/week 2.75% $4.13/week 2.75% $3.49/week
700 - 749 3.49% $5.17/week 3.75% $4.23/week 3.75% $3.59/week
650 - 699 4.49% $5.27/week 4.75% $4.34/week 4.75% $3.70/week
600 - 649 6.49% $5.49/week 7.49% $4.64/week 7.49% $4.00/week
550 - 599 7.49% $5.60/week 8.49% $4.75/week 8.49% $4.12/week
< 550 10.49% $5.93/week 11.49% $5.10/week 11.49% $4.47/week
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 2013 Up to 48 Months
  • 22013 - 2014 Up to 60 Months
  • 32015 - New Model up to 72 Months

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 2.49% $101.20 208 $21,048.85
$20,000 60 Months 2.75% $82.49 260 $21,446.39
$20,000 72 Months 2.75% $69.67 312 $21,734.86

 

New/Used Boat

  •  Rates Effective 01-20-2018
Term Rate APR Payment Example per $1,000 Alert Me
6 years 7.99% 7.99% $4.06/Week
Rate reflects .50% discount for automatic payments from your BFCU account.

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

 

VISA Interest Rates and Interest Charges

  •  Rates Effective 01-20-2018
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.

 

 

 

 

Personal Loan

  •  Rates Effective 01-20-2018
Credit Score Rate APR Payment Example per $1,000 Alert Me
750 + 7.99% 7.99% $5.62/week
700-749 8.99% 8.99% $5.73/week
650-699 10.99% 10.99% $5.95/week
600-649 11.99% 11.99% $6.06/week
550-599 13.99% 13.99% $6.28/week
< 550 14.99% 14.99% $6.40/week
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.

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

Vacation Loan

  •  Rates Effective 01-20-2018
Term Rate APR Payment Example per $1,000 Alert Me
1 year 5.00% 5.00% $19.73/Week
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

Vacation Loan Payment Example

  •  
Loan Amount Term APR Weekly Payment # of Weekly Payments Total of Payments Alert Me
$5,000 1 year 5.00% $98.62 52 $5,128.04

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 23, 2017 until December 29, 2017

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

Line of Credit

  •  Rates Effective 01-20-2018
Rate APR Payment Example per $1,000 Alert Me
10.99% 10.99% $20.47/Week
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.

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

 

 

 

 

High School/Elementary School Tuition Loan

  •  Rates Effective 01-20-2018
Term Rate APR Alert Me
1 year 6.99% 6.99%
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.

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

College Tuition Loan

  •  Rates Effective 01-20-2018
Term Rate APR Payment Example per $1,000 Alert Me
10 Years 6.99% 6.99% $2.68/Week
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.

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