Rates

Auto Loans

New & Used Autos	APR*	Max. Term
2005 and Newer	2.99%*	66 months
2005 and Newer	3.49%*	75 months
2005 and Newer	4.74%*	84 months

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.

Used Autos & Motorcycles	APR*	Max. Term
Used Autos 2004 and older Used Motorcycles – 1994 and newer	5.99%*	66 months
Used Autos 2004 and older Used Motorcycles – 1994 and newer	7.99%*	75 months

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.

Recreational Vehicles	APR*	Max. Term
Travel Trailers, 5th Wheel, Motorhomes, Pop-up campers	6.75%*	240 months

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.

Other Secured	APR*	Max. Term
ATV, Dirt Bike, Trailers, Snowmobiles, Utility Trailers, etc.	8.00%*	66 months
	9.00%*	84 months
	12.00%*	120 months

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.

Home Equity Loans

Home Equity	APR*	Amount
Home Equity Line of Credit	As Low As Prime***	$5,000 – $250,000
Interest Only Home Equity Line of Credit	As Low As Prime***	$5,000 – $250,000

Prime rate as of effective date indicated above was 3.25%. The prime rate is subject to change.Rate may change dependent upon credit qualifications. HELOC rate has a floor of 3.75%. Please ask a credit union representative about current rates which may vary. *APR = Annual Percentage Rate.
Click here for disclosure information.

Second Mortgage Loans

Second Mortgage Loan (Fixed Rate)	APR*	Term
Second Mortgage Loan	3.49%	5 Years
Second Mortgage Loan	3.99%	10 Years
Second Mortgage Loan	4.99%	15 Years

*APR = Annual Percentage Rate
*APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.

Other Loans

Loan Type	APR*	Max Term
Personal/Signature Loan	10.00%*^	66 Months
Personal/Signature Loan	12.00%*^	84 Months
Overdraft Protection	18.00%
Certificate and Share Secured Loans Maturity date of loan to match maturity date of earliest C/D maturity if more than one pledged.	4.50% above rate being paid.	120 Months

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily. Click here for disclosure information.
^ Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information. Signature loan maximum loan up to $15,000.

Visa Credit Cards

VISA Credit Cards	APR*
Platinum Cash Back Rewards	11.40%
Platinum Rates	8.90%
BVCU Classic	14.90%
Credit Builder & Student Credit Builder	14.90%

Card Terms (all cards)	Terms
Grace Period	25 days for purchases
Balance Calculation Method	Average Daily Balance including new purchases and advances
Minimum Finance Charge	None
Annual Fee	None
Late Payment Fee	$25.00
Cash Advance Fee	None

*APR = Annual Percentage Rate
* APR listed is the lowest possible Annual Percentage Rate for qualified borrowers. Rate may change dependent upon credit qualifications. All rates are subject to change daily.

---

Saving Rates

*APY = Annual Percentage Yield

Click here for our Truth In Savings Disclosure

Regular Share Savings	Dividend Rate	APY*
$100 -$1,000	0.05%	0.05%
$1,001 – $2,000	0.05%	0.05%
$2,001 – $5,000	0.05%	0.05%
$5001 – $10,000	0.05%	0.05%
$10,001 and higher	0.05%	0.05%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily.

Youth Savings	Dividend Rate	APY*
Y.E.S Account (Age 14-17)	0.05%	0.05%
Rags To Riches Club (Under 14)	0.05%	0.05%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

Youth Certificates – 12 Months	Dividend Rate	APY*
$100 – $499	0.10%	0.10%
$500 – $9,999	0.40%	0.40%
$10,000 – $49,999	0.45%	0.45%
$50,000 – $99,999	0.50%	0.50%
$100,000 and over	0.60%	0.60%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

Miscellaneous Share	Dividend Rate	APY*
Holiday Club	0.05%	0.05%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

Money Market (Regular, Business & IRA)	Dividend Rate	APY*
$0.00 – $499	0.05%	0.05%
$500 – $9,999	0.10%	0.10%
$10,000 – $24,999	0.20%	0.20%
$25,000 – $49,999	0.25%	0.25%
$50,000 – $99,999	0.30%	0.30%
$100,000 and over	0.35%	0.35%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

IRA Share	Dividend Rate	APY*
Take advantage of tax deferred interest with an IRA.	0.05%	0.05%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

Executive Checking	Dividend Rate	APY*
$0.00 – $9,999	0.01%	0.01%
$10,000 – $24,999	0.15%	0.15%
$25,000 – $99,999	0.20%	0.20%
$100,000 and over	0.25%	0.25%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

Share and IRA Certificates

	$10,000 min.	$500 min.

Term	Dividend Rate	APY*	Dividend Rate	APY*
3 mo	0.10%	0.10%	0.05%	0.05%
6 mo	0.25%	0.25%	0.25%	0.25%
12 mo	0.45%	0.45%	0.45%	0.45%
18 mo	0.60%	0.60%	0.60%	0.60%
24 mo	0.70%	0.70%	0.70%	0.70%
30 mo	0.75%	0.75%	0.75%	0.75%
36 mo	1.05%	1.06%	1.00%	1.00%
48 mo	1.35%	1.36%	1.30%	1.31%
60 mo	1.65%	1.66%	1.60%	1.61%

	$100,000 min.	$50,000 min.

Term	Dividend Rate	APY*	Dividend Rate	APY*
3 mo	0.20%	0.20%	0.15%	0.15%
6 mo	0.30%	0.30%	0.30%	0.30%
12 mo	0.60%	0.60%	0.50%	0.50%
18 mo	0.65%	0.65%	0.60%	0.60%
24 mo	0.75%	0.75%	0.70%	0.70%
30 mo	0.85%	0.85%	0.80%	0.80%
36 mo	1.15%	1.16%	1.10%	1.11%
48 mo	1.45%	1.46%	1.40%	1.41%
60 mo	1.75%	1.76%	1.70%	1.71%

Fees can reduce earnings. Click here for a complete Fee Schedule. All rates are subject to change daily. Click here for disclosure information.

---

Mortgage Rates

We offer competitive rates for our mortgage loan programs. Rates are constantly changing, for current rates please contact us.  We do not charge the standard 1% Origination fee but there is an origination charge associated with the loan. 
Rates and terms are subject to change without notice.  Interest Rate, APR Calculations and Monthly Payment are based on a $200,000 loan with a loan to value of 75% or less.

Fixed Rate Mortgage

30 Year Fixed Mortgage

Interest Rate	Origination Points	Disc. Points	APR	Payment
3.875%	0.00	1.000	4.030%	$940.47
4.125%	0.00	0.000	4.197%	$969.30

• All rates subject to change without notice
• APR = Annual Percentage Rate
• Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
• LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
• Loan level price adjustments may apply.
• Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.

20 Year Fixed Mortgage

Interest Rate	Origination Points	Disc. Points	APR	Payment
3.750%	0.00	1.000	3.965%	$1,185.78
4.000%	0.00	0.000	4.099%	$1,211.96

• All rates subject to change without notice
• APR = Annual Percentage Rate
• Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
• LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
• Loan level price adjustments may apply.
• Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.

15 Year Fixed Mortgage

Interest Rate	Origination Points	Disc. Points	APR	Payment
3.125%	0.00	1.000	3.396%	$1,393.22
3.375%	0.00	0.000	3.500%	$1,417.52

• All rates subject to change without notice
• APR = Annual Percentage Rate
• Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
• LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
• Loan level price adjustments may apply.
• Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.

Adjustable Rate Mortgage

3/1 Year ARM

Interest Rate	Origination Points	Disc. Points	APR	Payment
3.500%	0.00	0.000	3.177%	$898.09

• ARM = Adjustable Rate Mortgage
• Rates are fixed for the first 3 years and then adjust yearly.
• Must be owner occupied. Call for details.
• All rates subject to change without notice
• APR = Annual Percentage Rate
• Interest Rate, APR Calculations, and Monthly Payment based on following assumptions: $200,000 loan with loan to value of 75% or less
• LTV = Loan-to-Value, meaning the loan amount divided by sales price (or appraised value, whichever is less)
• Loan level price adjustments may apply.
• Mortgage loans are available on properties here in Colorado. Membership to Boulder Valley CU is required.