Rates
Deposit RatesChecking| Account Type | Dividend | APY | Amount | Calculator | Application | | | Platinum Loyalty Checking | .25% | .25% | $2,500+ |  |  | | | .05% | .05% | $300 - $2,499 | | | | | Gold Loyalty Checking | .05% | .05% | $300+ | | | $300 Minimum average daily balance required to earn dividends. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member account is federally insured to at least $100,000 by the NCUA, a U.S. Government Agency.
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Savings| Account Type | Dividend | APY | | | Primary Share Savings | .25% | .25% | | | Secondary Savings | .25% | .25% | | | Club Accounts | .25% | .25% | $100 Minimum average daily balance required to earn dividends. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member account is federally insured to at least $100,000 by the NCUA, a U.S. Government Agency.
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Certificates| Account Type | Dividend | APY | Min Balance | | | 3 Month Certificate | 2.42% | 2.45% | $500 | | | 6 Month Certificate | 2.72% | 2.75% | $500 | | | 12 Month Certificate | 2.96% | 3.00% | $500 | | | 24 Month Certificate | 3.20% | 3.25% | $500 | | | 36 Month Certificate | 3.30% | 3.35% | $500 | | | 48 Month Certificate | 3.40% | 3.45% | $500 | | | 60 Month Certificate | 3.54% | 3.60% | $500 | Certificate rates quoted above are for members with Platinum Level Loyalty Rewards Checking, and include a .20% bonus added to the base rate. Members with Gold Level Loyalty Rewards Checking receive a .10% bonus added to the base rate, and Silver Level Loyalty Rewards Checking receives a .05% bonus added to the base rate. To determine the base rate, deduct .20% from the above quoted rates.
The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Each member account is federally insured to at least $100,000 by the NCUA, a U.S. Government Agency.
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IRAs| Account Type | Dividend | APY | Min Balance | | | IRA Savings | 1.00% | 1.00% | $100 | | | 3 Month IRA Certificate | 2.42% | 2.45% | $500 | | | 6 Month IRA Certificate | 2.72% | 2.75% | $500 | | | 12 Month IRA Certificate | 2.96% | 3.00% | $500 | | | 24 Month IRA Certificate | 3.20% | 3.25% | $500 | | | 36 Month IRA Certificate | 3.30% | 3.35% | $500 | | | 48 Month IRA Certificate | 3.40% | 3.45% | $500 | | | 60 Month IRA Certificate | 3.54% | 3.60% | $500 | Certificate rates quoted above are for members with Platinum Level Loyalty Rewards Checking, and include a .20% bonus added to the base rate. Members with Gold Level Loyalty Rewards Checking receive a .10% bonus added to the base rate, and Silver Level Loyalty Rewards Checking receives a .05% bonus added to the base rate. To determine the base rate, deduct .20% from the above quoted rates.
The IRA Savings minimum balance is required to earn dividends. The certificate minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Each member account is federally insured to at least $100,000 by the NCUA, a U.S. Government Agency.
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Money Market Accounts| Account Type | Dividend | APY | Comments | | | Money Market Account | 3.01% | 3.05% | Average Daily Balance $100,000+ | | | 2.47% | 2.50% | Average Daily Balance $50,000 - $99,999 | | | 2.08% | 2.10% | Average Daily Balance $10,000 - $49,999
| | | 1.09% | 1.10% | Average Daily Balance $2,500 - $9,999 | Rates are variable and may change after the account is opened. Minimum balance of $2,500 to open and obtain dividends. Fees may reduce earnings. Each member account is federally insured to at least $100,000 by the NCUA, a U.S. Government Agency.
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Loan RatesMortgages| Account Type | Comments | Calculator | Application | | | 30 Year Fixed Rate Mortgage | Please call for details | | | | | 15 Year Fixed Rate Mortgage | Please call for details | | | | | 5/1 Adjustable Rate Mortgage (ARM) | Please call for details. | | | | | 3/1 Adjustable Rate Mortgage (ARM) | Please call for details | | | | | First Time HomeBuyer "HLPR" Loan | Please call for details | | | Homeowner's insurance is required. Various rates and terms available. 3/1 and 5/1 ARM mortgages are variable rate mortgage. The rate may increase after loan consummation. Please call 1-866-996-9828 for more details. Equal Housing Lender.
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Home Equity Lines| Account Type | % Financed | APR | Calculator | Application | | | Special Home Equity Line | Up to 89.9% | As low as 4.99% Fixed for 36 months, then prime - 1/2%, thereafter (Variable) | | | | | Home Equity Line | Up to 89.9% | As low as Prime - 1/2% (Variable) | | | | | Home Equity Plus Line | Up to 100% | As low as Prime + 1.5% (Variable) | | | Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates are variable, based on Wall Street Journal Prime (as of 5/1/08, 5.00%) and are subject to change at any time. As of 5/1/08, Special Home Equity Line: As low as 4.99%, fixed for 3 years then as low as Prime - 1/2% (4.50% as of 5/1/08), Home Equity Line: As low as 4.50%, and Home Equity Plus Line: As low as 6.50%. Maximum rate over the life of the loan for all lines is 18%. "% Financed" represents Market Value less outstanding mortgage balances. Homeowner's insurance is required. There are no closing costs or fees to open the line. If you close the line within 4 years, you will reimburse BCCU $350 for costs we incurred to establish the line. Special Home Equity Line for new BCCU loans only.
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Home Equity Loans| Account Type | % Financed | APR | Min Balance | Comments | Calculator | Application | | | Home Equity Loan/5 yr term | Up to 80% | As Low as 5.99% Fixed | $20,000 | Est. monthly pmt: $19.33 per month per $1,000 | | | | | Home Equity Loan/10 yr term | Up to 80% | As low as 6.15% Fixed | $20,000 | Est. monthly pmt: $11.18 per month per $1,000 | | | | | Home Equity Loan/15 yr term | Up to 80% | As low as 6.39% Fixed | $20,000 | Est. monthly pmt: $8.65 per month per $1,000 | | | Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates displayed require minimum $20,000 loan and include a .10% discount for autopay from a Loyalty Rewards Checking account. Members without Loyalty Rewards Checking should add .10% to the rate shown. Home Equity Loans are fully amortizing. payments include principal and interest. Homeowner's Insurance is required. Rates for lower loan amounts or higher LTV are available. Please call 1-866-996-9828 for more details.
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Auto Loans| Account Type | % Financed | APR | Amount | Comments | Calculator | Application | | | Auto Loan - 36 Months | Up to 100% | As low as 5.49% | | Est. monthly pmt: $30.19 per $1,000 | | | | | Auto Loan - 48 Months | Up to 100% | As low as 5.74% | | Est. monthly pmt: $23.37 per $1,000 | | | | | Auto Loan - 60 Months | Up to 100% | As low as 5.74% | | Est. monthly pmt: $19.21 per $1,000 | | | | | Auto Loan - 72 Months | Up to 100% | As low as 6.50% | | Est. monthly pmt: $16.81 per $1,000 | | | | | Auto Loan - 84 Months | Up to 100% | As low as 7.00% | $20,000 Min. | Est. monthly pmt: $15.09 per $1,000 | | | Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted include a .10% discount for Loyalty Rewards Checking. Rates for members without Loyalty Rewards checking would be .10% higher. Additional rates and terms are available. APR and term are based on your credit rating and ability to repay. Title, UCC & VSI fees will be charged when necessary.
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Visa Cards| Account Type | APR | Calculator | Application | | | Visa Platinum | 7.90% | | | | | Visa Gold | 9.90% | | | | | Visa Classic | 11.90% | | | Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. View Disclosures
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Boats and RVs| Account Type | % Financed | APR | Comments | Calculator | Application | | | Boats or RVs - 36 Months | Up to 100% | As low as 6.65% | Est. monthly pmt: $30.72 per $1,000 | | | | | Boats or RVs - 48 Months | Up to 100% | As low as 7.15% | Est. monthly pmt: $24.02 per $1,000 | | | | | Boats or RVs - 60 Months | Up to 100% | As low as 7.65% | Est. monthly pmt $20.11 per thousand | | | | | RV's - 72 Months | Up to 80% | As low as 7.90% | Est. monthly pmt: $17.48 per $1,000 | | | | | RV's - 96 Months | Up to 80% | As low as 7.90% | Est. monthly pmt $14.09 per thousand | | | Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted include a .10% discount for Loyalty Rewards Checking. Rates for members without Loyalty Rewards checking would be .10% higher. Additional rates and terms are available. RV loans over 60 months and $50,000 require 20% down.
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Motorcycles, Snowmobiles, ATVs & Farm Equipment| Account Type | APR | Comments | Calculator | Application | | | Snowmobiles, ATVs, Farm Equipment - 36 Months | As low as 7.90% | Est. monthly pmt: $31.29 per $1,000 | | | | | Snowmobiles, ATVs & Farm Equipment - 48 Months | As low as 8.15% | Est. monthly pmt: $24.48 per $1,000 | | | | | Snowmobiles, ATVs & Farm Equipment - 60 Months | As low as 8.40% | Est. monthly pmt: $20.47 per $1,000 | | | | | Motorcycles - Up to 60 Months | As low as 7.14% | Est. monthly pmt: $19.87 per $1,000 | | | Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted include a .10% discount for Loyalty Rewards Checking. Members without Loyalty Rewards Checking should add .10% to the rate shown. Additional rates and terms available.
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Personal Loans/Lines| Account Type | APR | Comments | Calculator | Application | | | Personal Line of Credit | As low as 10.99% | | | | | | Personal Loan 36 Month Term | As low as 8.90% | Est. monthly pmt: $31.75 per $1,000 | | | Rates are subject to change at any time. For Personal Loans other rates and terms are available. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted for Personal Loans include a .10% discount for Loyalty Rewards Checking. Members without Loyalty Rewards Checking should add .10% to the rate shown above. There is no discount on Personal lines of Credit. Please call 1-866-996-9828 for more details
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Share Secured Loan/Line| Account Type | % Financed | Comments | Calculator | Application | | | Share Secured Loan | Up to 90% | Various terms and payment options available. Please call for details. | | | | | Share Secured Line of Credit | Up to 90% | Various terms and payment options available. Please call for details. | | |
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