LOAN RATES
BORROW
Beat Your Rate
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Have an Existing Vehicle Loan Financed elsewhere?
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Is your current rate on that vehicle at least 3.49% APR*?
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Then BCFCU can Beat Your Existing Rate by at least 1/2% APR*
See Details Below
| LOAN TYPE | TERM | APR* (As Low As) |
|---|---|---|
| New & Used Auto | up to 24 Months | 4.25% |
| 25-36 Months | 4.25% | |
| 37-48 Months | 4.75% | |
| 49-60 Months | 4.75% | |
| 61-72 Months | 5.00% | |
| 73-84 Months* | 6.50% | |
| 85-96 Months* | 7.25% | |
| Boats/RVs | up to 84 Months | 6.25% |
| 85-144 Months | 7.25% | |
| Personal (Signature) Loan | up to 24 Months | 9.25% |
| 25-36 Months | 11.75% | |
| 37-48 Months | 12.75% | |
| 49-60 Months | 14.75% | |
| Golf Carts | up to 24 Months | 9.25% |
| 25-36 Months | 11.50% | |
| 37-48 Months | 13.50% | |
| 49-60 Months | 14.75% | |
| 10% Down Payment Req.; Age + Term = 8 yrs. Max | ||
| Kwik Kash | LOC | 12.50% |
| ATV's/UTV's | up to 72 mos | 7.25% |
| Consumer Max = $15,000 |
60 Months | 9.25% |
Farm/Lawn Equipment
| Farm Equipment Up To 120 months |
Lawn Equipment Up To 84 months 7.25% |
|
| Stock 80% of Stock Value |
60 Months | Prime + 1% (Floor 4.50%) |
| Share Secured | n/a | 2% above dividend rate (Floor = 2.50%) |
| Certificate Secured | n/a | 2% above dividend rate (Floor = 2.50%) |
| 90 Day Loan | 90 Days | 14.75% |
| Vacant Land 90% LTV - 12 yrs. |
Fixed Floor | 8.95% |
| COMMERCIAL LOANS ADD 2% TO TIER RATE | ||
Ask about our IQ
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Financing up to 120 mos.
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Up to $25,000
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Unsecured home improvement loan
Membership eligibility required. Member must be approved for the loan under normal BCFCU credit qualifications. A vehicle loan is defined as any loan that is secured by a vehicle which is propelled by a motor including autos, boats, and RVs. Not all members will qualify for this promotion or be approved. The rate floor for this promotion is 2.99% APR* and the maximum loan term is 72 months. BCFCU will not finance a vehicle loan for less than 2.99% APR*. Therefore to receive the full 1/2% APR* rate reduction the borrower’s existing loan rate with another financial institution that BCFCU will beat must be greater than 3.49% APR*. Interest accrues from the date the loan is funded. BCFCU does not charge an application fee. Applicable vehicle title transfer fees and lien fees will apply and vary depending on county. This promotion cannot be combined with any other offers, promotions or discounts and existing BCFCU loans are not eligible for this promotion. This promotion may be withdrawn or revised at any time by BCFCU.
