Rates

Table data for NOW Account (Share Draft)
 Rates Effective 05-22-2018
Dividend Rate APY Alert Me
NOW Account (Share Draft) 0.25% 0.25%
There is no minimum balance required to open a NOW Account (Share Draft). 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 05-22-2018
Dividend Rate APY Alert Me
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 05-22-2018
Dividend Rate APY Alert Me
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 05-22-2018
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 05-22-2018
Account Balance Dividend Rate APY Alert Me
$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 05-22-2018
Account Balance Dividend Rate APY Alert Me
$0.00 - $2,499.99 0.25% 0.25%
$2,500 - $9,999.99 0.60% 0.60%
$10,000 - $24,999.99 0.80% 0.80%
$25,000 - $49,999.99 1.00% 1.00%
$50,000 + 1.40% 1.41%
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 05-22-2018
Term Regular Dividend Rate APY Jumbo Dividend Rate1 APY Alert Me
6 Months 1.20% 1.21% 1.45% 1.46%
1 Year 1.40% 1.41% 1.65% 1.66%
2 Years 1.60% 1.61% 1.85% 1.87%
3 Years 1.80% 1.81% 2.05% 2.07%
4 Years 2.00% 2.02% 2.25% 2.27%
5 Years 2.25% 2.27% 2.50% 2.53%
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 05-22-2018
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

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 2.49% $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

Table data for New/Used Boat
 Rates Effective 05-22-2018
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
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 05-22-2018
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.

Table data for Personal Loan
 Rates Effective 05-22-2018
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
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 05-22-2018
Term Rate APR Payment Example per $1,000 Alert Me
1 year 5.99% 5.99% $19.83/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

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 23, 2017 until December 29, 2017

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 05-22-2018
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.

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 05-22-2018
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.

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 05-22-2018
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.

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 Mortgage - Fixed Rates
 
Term Rate APR Payment Example Per $1,000 Alert Me
30 Yrs 4.625% 4.678% $5.14/Month for 360 months
15 Yrs 4.125% 4.216% $7.46/Month for 180 months
10 Yrs 3.875% 4.005% $10.07/Month for 120 months
5 Yrs 3.875% 4.112% $18.36/Month for 60 months
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual Percentage rates effective 5/16/2018 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 Alert Me
10 Yrs 4.375% 4.375% $10.30/Month for 120 months
5 Yrs 4.375% 4.375% $18.59/Month for 60 months
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 5/16/2018 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 Alert Me
30 Yrs 4.875% 4.929% $5.29/Month for 360 months
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual Percentage rates effective 5/16/2018 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 Alert Me
5 Yrs 4.250% 25 Yrs 5.875% 5.313% 60 monthly payments of $4.92
300 monthly payments of $5.78
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 5/16/2018 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 Alert Me
3 Yrs 4.00% 27 Yrs 5.750% 5.375% 36 monthly payments of $4.77
324 monthly payments of $5.75
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 5/16/2018 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 Alert Me
3 Yrs 5.000% 27 Yrs 6.250% 5.990% 36 monthly payments of $5.37
324 payments of $6.10
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 5/16/2018 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 Alert Me
5 Yrs 5.250% 25 Yrs 6.250% 5.917% 60 monthly payments of $5.52
300 monthly payments of $6.08
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual percentage rates effective 5/16/2018 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 Alert Me
1st Mortgage - 30 Yrs 4.625% 4.678% $5.14/Month for 360 months
2nd Mortgage - 20 Yrs 5.125% 5.137% $6.67/Month for 240 months
All payment examples do not include taxes and insurance, therefore actual payment will be greater. Annual Percentage rates effective 5/16/2018 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 05-22-2018
Rate APR Payment Example per $1,000 Alert Me
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%. Minimum APR is 4.75%. 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 05-22-2018
Rate APR Payment Example per $1,000 Alert Me
Based on 10 year amoritzation schedule 6.25% 6.25% $2.60/week
Maximum borrowing amount is $175,000 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%. Minimum APR is 6.25%. 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 05-22-2018
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)
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.