Rates

Table data for NOW Account (Share Draft) and E-Checking Account
Rates Effective 01-25-2020
	Dividend Rate	APY
NOW Account (Share Draft)	0.25%	0.25%

There is no minimum balance required to open a NOW Account (Share Draft) or E-Checking Account. All of the dividend rates and APYs (Annual Percentage Yield) stated above are variable rate accounts and are subject to change at any time. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure.

Table data for Share Account
Rates Effective 01-25-2020
	Dividend Rate	APY
Secondary Share Accounts include Real Estate Suspense, Insurance, IRA Share, and VISA Autopay	0.50%	0.50%

The minimum balance required to open a Share Account and IRA Share Account is $25.00. IRA (Individual Retirement Account). APY (Annual Percentage Yield). Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure. Rates are subject to change at any time.

Table data for Club Accounts
Rates Effective 01-25-2020
	Dividend Rate	APY
All-Purpose Club Account	0.50%	0.50%

Christmas Club Account	0.50%	0.50%

There is no minimum balance required to open a Club Account. APY = (Annual Percentage Yield). Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure. Rates are subject to change at any time. There is a minimum weekly deposit of $5.00. Disbursements will be made by Direct Transfer to Share Accounts in March, June, September or December for All-Purpose Club Accounts and in November for Christmas Club Accounts.

Table data for Jake Jr. Share Account
Rates Effective 01-25-2020
Dividend Rate	APY	Alert Me
0.50%	0.50%

The minimum balance required to open a Jake Jr. Share Account is $25.00. APY (Annual Percentage Yield). Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure. Rates are subject to change at any time.

Table data for Jake Jr. Tiered Rate Money Market Account (MMDA)
Rates Effective 01-25-2020
Account Balance	Dividend Rate	APY
$0.00 - $999.99	0.25%	0.25%

$1,000 - $4,999.99	0.50%	0.50%

$5,000 +	0.75%	0.75%

All of the interest rates and APYs (Annual Percentage Yield) stated above are variable rate accounts and are subject to change at any time. There is no minimum balance required to open a Jake Jr. MMDA. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure.

Table data for Tiered Rate Money Market Account (MMDA) and IRA MMDA
Rates Effective 01-25-2020
Account Balance	Dividend Rate	APY
$0.00 - $2,499.99	0.25%	0.25%

$2,500 - $9,999.99	0.60%	0.60%

$10,000 - $24,999.99	0.75%	0.75%

$25,000 - $49,999.99	1.00%	1.00%

$50,000 +	1.45%	1.46%

All of the dividend rates and APYs (Annual Percentage Yield) stated above are variable rate accounts and are subject to change at any time. IRA (Individual Retirement Account) $2,500 is the minimum balances required to open a MMDA and IRA MMDA. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure.

Table data for Term Share Certificate Account (CD) and IRA CD
Rates Effective 01-25-2020
Term	Regular Dividend Rate	APY	Jumbo Dividend Rate¹	APY
6 Months	1.65%	1.66%	1.90%	1.92%

1 Year	1.75%	1.76%	2.00%	2.02%

2 Years	2.00%	2.02%	2.25%	2.27%

3 Years	2.25%	2.27%	2.50%	2.53%

4 Years	2.40%	2.43%	2.65%	2.68%

5 Years	2.55%	2.58%	2.80%	2.84%

APY (Annual Percentage Yield). The minimum balance required to open a Term Share Certificate Account is $1,000. Early withdrawal penalties apply. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure. IRA (Individual Retirement Account)
¹Members investing $100,000 or more in aggregate Term Share Certificate Account balances will receive a Jumbo Dividend Rate of .25% over our Regular Dividend Rate for the term of investment. Existing Term Share Certificate Accounts will retain their current rate, and the Jumbo Dividend Rate will be applied to all future Term Share Certificate Accounts opened and rolled over after January 1, 2009. Early withdrawal penalties apply. Dividends are compounded and credited monthly and are paid at the stated rates on any amount on deposit according to the dividend calculation method in the account disclosure.↵

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
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
$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
$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
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
$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
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
$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
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
$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
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
$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
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
$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
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
$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
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
$25,000	Based on 5 year amortization schedule	5.25%	$109.47	260	$28,459.77

Table data for Mortgage - Fixed Rates
Term	Rate	APR	Payment Example Per $1,000
30 Yrs	3.500%	3.549%	$4.49/Month for 360 months

15 Yrs	3.000%	3.088%	$6.91/Month for 180 months

10 Yrs	2.750%	2.878%	$9.54/Month for 120 months

5 Yrs	2.750%	2.997%	$17.86/Month for 60 months

All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual Percentage rates effective 1/22/2020 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and 20% down payment. Closing costs apply to the above rates. All loans are subject to credit approval and may be subject to secondary market rate adjustments. Higher rates apply for jumbo mortgage products up to $750,000 for the 30 and 15 year fixed mortgage. Maximum loan amount is $200,000 for the 5 and 10 year fixed mortgage.

Table data for Mortgage - 5 and 10 Year Fixed Rate, No Points, No Closing Costs
Term	Rate	APR	Payment example per $1,000
10 Yrs	3.250%	3.250%	$9.77/Month for 120 months

5 Yrs	3.250%	3.250%	$18.08/Month for 60 months

All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 1/22/2020 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points, 0 closing costs and 20% down payment. Members will be required to pay pre-paid interest and fund a real estate escrow account at closing. All loans are subject to credit approval. Maximum loan amount is $200,000. Not applicable for existing loans.

Table data for Veteran Mortgage - First Time Home Buyer
Term	Rate	APR	Payment Example per $1,000
30 Yrs	3.750%	3.800%	$4.63/Month for 360 months

All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual Percentage rates effective 1/22/2020 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points. Must be a first time home buyer. Must be able to provide proof of being a veteran. Up to 100% financing available. Closing costs apply to the above rates. All loans are subject to credit approval and may be subject to secondary market rate adjustments. Higher rates apply for jumbo mortgage products up to $750,000.

Table data for 5/5 Adjustable Rate Mortgage
5/5 ARM	Initial Term	Rate	Remaining Term	Fully Indexed Rate	APR	Payment Example per $1,000
	5 Yrs	4.000%	25 Yrs	4.625%	4.449%	60 monthly payments of $4.77

						300 monthly payments of $5.09

All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 1/22/2020 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and 20% down payment. Closing costs apply to the above rates. All loans are subject to credit approval. Adjustable rate and payment example is fixed for the first 5 years; then adjusts every 5 years to 3% above the weekly average yield on the 5 year U.S. Treasury Index. Interest rate cap of 2% per adjustment and 6% over the life of the loan apply.

Table data for 3/3 Adjustable Rate Mortgage
3/3 ARM	Initial Term	Rate	Remaining Term	Fully Indexed Rate	APR	Payment Example per $1,000
	3 Yrs	3.750%	27 Yrs	4.500%	4.401%	36 monthly payments of $4.63

						324 monthly payments of $5.05

All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 1/22/2020 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and 20% down payment. Closing costs apply to the above rates. All loans are subject to credit approval. Adjustable rate and payment example is fixed for the first 3 years; then adjusts every 3 years to 3% above the weekly average yield on the 3 year U.S. Treasury Index. Interest rate cap of 2% per adjustment and 6% over the life of the loan apply.

Table data for 3/3 Adjustable Rate Mortgage (Investment Property)
3/3 ARM	Initial Term	Rate	Remaining Term	Fully Indexed Rate	APR	Payment Example per $1,000
	3 Yrs	4.500%	27 Yrs	5.000%	4.957%	36 monthly payments of $5.07

						324 payments of $5.36

All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 1/22/2020 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and 25% down payment. Closing costs apply to the above rates. All loans are subject to credit approval. Adjustable rate and payment example is fixed for the first 3 years; then adjusts every 3 years to 3.50% above the weekly average yield on the 3 year U.S. Treasury Index. Interest rate cap of 2% per adjustment and 6% over the life of the loan apply.

Table data for 5/3 Adjustable Rate Mortgage (Investment Property)
5/3 ARM	Initial Term	Rate	Remaining Term	Fully Indexed Rate	APR	Payment Example per $1,000
	5 Yrs	4.750%	25 Yrs	5.000%	4.979%	60 monthly payments of $5.22

						300 monthly payments of $5.36

All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 1/22/2020 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and 25% down payment. Closing costs apply to the above rates. All loans are subject to credit approval. Adjustable rate and payment example is fixed for the first 5 years; then adjusts every 3 years to 3.50% above the weekly average yield on the 3 year U.S. Treasury Index. Interest rate cap of 2% per adjustment and 6% over the life of the loan apply.

Table data for Piggyback Fixed Rates
Term	Rate	APR	Payment Example per $1,000
1st Mortgage - 30 Yrs	3.500%	3.549%	$4.49/Month for 360 months

2nd Mortgage - 20 Yrs	4.000%	4.011%	$6.06/Month for 240 months

All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual Percentage rates effective 1/22/2020 and subject to change. Other rates and terms are available and may apply based on individual credit score. Payment examples based on a loan with 0 points and as low as 5% down payment. Closing costs apply to the above rates. All loans are subject to credit approval and may be subject to secondary market rate adjustments. Higher rates apply for jumbo mortgage products up to $750,000. Special restrictions apply. For details, please contact the loan department.

Table data for Home Equity Line of Credit (Variable Rate)
Rates Effective 01-25-2020
	Rate	APR	Payment Example per $1,000
Based on 10 year amortization schedule	4.75%	4.75%	$2.42/Week

Maximum borrowing amount is $200,000 based on 80% loan to value. Minimum initial advance is $5,000. Subsequent minimum advances are $2,500. Minimum payment will be calculated on a 10 year amortization schedule. APR = Annual Percentage Rate. Variable APR is subject to change without notice. Maximum APR is capped at 16.00%. Property Insurance is required. No pre-payment penalties. Subject to credit approval. The annual percentage rate is based on the value of an index. The index is the prime rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published the highest rate will be used. We will use the most recent index value available to us as of 1 day before the date of any annual percentage rate adjustment.

Table data for 100% Home Equity Line of Credit - (Variable Rate)
Rates Effective 01-25-2020
	Rate	APR	Payment Example per $1,000
Based on 10 year amoritzation schedule	6.25%	6.25%	$2.59/week

Maximum borrowing amount is $200,000 based on 100% loan to value. Minimum initial advance is $5,000. Subsequent minimum advances are $2,500. Minimum payment will be calculated on a 10 year amortization schedule. APR = Annual Percentage Rate. Variable APR is subject to change without notice. Maximum APR is capped at 16.00%. Property insurance is required. No pre-payment penalties. Subject to credit approval. The annual percentage rate is based on the value of an index. The index is the prime rate published in the Money Rates column of the Wall Street Journal. When a range of rates has been published the highest rate will be used. We will use the most recent index value available to us as of 1 day before the date of any annual percentage rate adjustment.

Table data for BFCU Account Fees
Rates Effective 01-25-2020
		Alert Me
Standard Checks	FREE

Insufficient Funds (NSF) (Drafts & EFT Returned)	$25.00

Courtesy Pay Overdraft Privilege	$25.00¹

Returned Deposited Check	$6.50

Stop Payment Order	$10.00/single, $20.00/multiple

Abandoned Property	$35.00

Photocopies	$1.00

Wire Transfer (Outgoing)	$10.00

Wire Transfer (Incoming)	FREE

Account Research	$20.00/Hr (waived if CU error)

Instant Issue Debit Card	$10.00**²

Fees may be imposed for Overdraft Transfers/Insufficient Funds caused by drafts, in person, ATM/Debit or ACH.
¹Overdraft Privilege. Overdraft items less than $25, no fee. Overdrafts $25 and over, $25 fee, not to exceed $50 per day.↵ ²**Instant Issue Debit Card Fee applies after two instant issue cards in a calendar year.↵

Rates

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