Home Equity
| 85% of appraised value less amount owned | 60 mos.
96 mos.
120 mos. | 6.75%
7.50%
7.75% |
Requirements: Appraisal or market assessment, credit report, flood report, flood insurance if residence is located in a flood area, and inspections (deemed necessary by credit union). Borrower is responsible for all fees. Loan must be secured by primary residence. |
| Share Pledged | 100% of shares pledged | 120 mos.
(max) | 7.00% |
Requirements: Must be a member of BFCU. Matching funds to cover loan balance must be on deposit in BFCU until loan is paid in full. |
New Model Vehicle
* See Special | 100% of purchase price plus closing costs and maintenance agreement | 60 mos.
72 mos.
84 mos. | 5.50%
5.90%
6.75% |
Requirements: Less than 5,000 miles, new title, NADA book value, and title/insurance. |
Used Model Vehicle * See Special | 100% of NADA book value plus closing costs and maintenance agreement | 60 mos.
72 mos.
84 mos. | 5.80%
6.25%
6.75% |
Requirements: Maximum vehicle age 4 years (2006-2009), title/insurance. |
| Used Model Vehicle More Than 4 Yr. Old | 100% of NADA book value plus closing costs and maintenance agreement | 60 mos. | 7.50% |
Requirements: Maximum vehicle age 8 years (2002), title/insurance. |
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Recreational Vehicles
(2005-2007)
*Motor Home
*Camper
*Travel Trailer | 100% Retail Book Value (NADA) | 60 mos.
61-96 mos. | 6.50%
7.50% |
Recreational Vehicles
(Pre-2005) | 100% Retail Book Value (NADA) | 72 mos. | 7.50% |
Requirements: Title and insurance, and security agreement. |
Motorcycles
(2008-2010)
| 100% Purchase Price | 72 mos. | 7.50% |
Motorcycles
(Pre-2008)
| 100% Retail Book Value (NADA) | 72 mos. | 8.00% |
Requirements: Title and insurance
|
| Boat (New or Used) | 100% of book value | 84 mos. | 10.95% |
Requirements: Titles on both boat and trailer, insurance covering boat and trailer. |
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Co-signer/
Co-maker | Financial Stability | 72 mos. | 11.25% |
Requirements: Co-signer and/or co-maker must be members of BFCU in good financial standing. |
| VISA Credit Card | $10,000 Maximum Limit | (Open) | 14.00% |
|
Personal Loans
(Secured) | $25,000 Maximum Limit
$10,000 Unsecured Limit | 36 mos.
120 mos | 10.25%
10.75% |
Requirements: Applies to loans in unspecified areas; Maturity determined by purpose and security. |
Educational
| $20,000 Maximum Limit
$10,000 Unsecured Limit | 120 mos. | 7.50% |
Requirements: Proof of educational commitment or check made payable to school |
Signature
| $10,000 Maximum
48 Month Maximum Maturity | | | | | | | |
| 12 mos.
36 mos.
48 mos. | 10.00%
11.50%
11.95% |
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Requirements: Members in good financial standing; active member of Credit Union. |
