{"id":377,"date":"2022-03-04T18:49:27","date_gmt":"2022-03-04T18:49:27","guid":{"rendered":"https:\/\/bvcu.org\/?page_id=377"},"modified":"2022-07-14T13:09:25","modified_gmt":"2022-07-14T13:09:25","slug":"rates","status":"publish","type":"page","link":"https:\/\/bvcu.org\/index.php\/rates\/","title":{"rendered":"Rates"},"content":{"rendered":"\n

Auto Loans<\/h2>\n\n\n\n
New & Used Autos<\/th>APR*<\/th>Max. Term<\/th><\/tr><\/thead>
2005 and Newer<\/td>2.99%*<\/td>66 months<\/td><\/tr>
2005 and Newer<\/td>3.49%*<\/td>75 months<\/td><\/tr>
2005 and Newer<\/td>4.74%*<\/td>84 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

*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<\/a>.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.<\/em>
<\/p>\n\n\n\n

Used Autos & Motorcycles<\/th>APR*<\/th>Max. Term<\/th><\/tr><\/thead>
Used Autos 2004 and older
Used Motorcycles – 1994 and newer<\/td>		5.99%*<\/td>66 months<\/td><\/tr>
Used Autos 2004 and older
Used Motorcycles – 1994 and newer<\/td>		7.99%*<\/td>75 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

*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<\/a>.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.<\/em>
<\/p>\n\n\n\n

<\/a>Recreational Vehicles<\/th>APR*<\/th>Max. Term<\/th><\/tr><\/thead>
Travel Trailers, 5th Wheel, Motorhomes, Pop-up campers<\/td>6.75%*<\/td>240 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

*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<\/a>.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.<\/em><\/p>\n\n\n\n

<\/a>Other Secured<\/th>APR*<\/th>Max. Term<\/th><\/tr><\/thead>
ATV, Dirt Bike, Trailers, Snowmobiles, Utility Trailers, etc.<\/td>8.00%*<\/td>66 months<\/td><\/tr>
 <\/td>9.00%*<\/td>84 months<\/td><\/tr>
 <\/td>12.00%*<\/td>120 months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

*APR = Annual Percentage Rate<\/em>
* 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<\/a>.
* Borrower must have approved credit and limitations may apply. Please consult with a BVCU Loan Officer for more information.<\/em><\/p>\n\n\n\n

Home Equity Loans<\/h2>\n\n\n\n
Home Equity<\/th>APR*<\/th>Amount<\/th><\/tr><\/thead>
Home Equity Line of Credit<\/td>As Low As Prime***<\/td>$5,000 – $250,000<\/td><\/tr>
Interest Only Home Equity Line of Credit<\/td>As Low As Prime***<\/td>$5,000 – $250,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

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<\/a>.<\/p>\n\n\n\n

Second Mortgage Loans<\/h2>\n\n\n\n
Second Mortgage Loan (Fixed Rate)<\/th>APR*<\/th>Term<\/th><\/tr><\/thead>
Second Mortgage Loan<\/td>3.49%<\/td>5 Years<\/td><\/tr>
Second Mortgage Loan<\/td>3.99%<\/td>10 Years<\/td><\/tr>
Second Mortgage Loan<\/td>4.99%<\/td>15 Years<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

*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<\/a>.<\/em><\/p>\n\n\n\n

Other Loans<\/h2>\n\n\n\n
Loan Type<\/th>APR*<\/th>Max Term<\/th><\/tr><\/thead>
Personal\/Signature Loan<\/td>10.00%*^<\/td>66 Months<\/td><\/tr>
Personal\/Signature Loan<\/td>12.00%*^<\/td>84 Months<\/td><\/tr>
Overdraft Protection<\/td>18.00%<\/td> <\/td><\/tr>
Certificate and Share Secured Loans
Maturity date of loan to match maturity date of earliest C\/D maturity if more than one pledged.<\/td>		4.50% above rate being paid.<\/td>120 Months<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

*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<\/a>.
^ 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.<\/em><\/p>\n\n\n\n

Visa Credit Cards<\/h2>\n\n\n\n
VISA Credit Cards<\/th>APR*<\/th><\/tr><\/thead>
Platinum Cash Back Rewards<\/td>11.40%<\/td><\/tr>
Platinum Rates<\/td>8.90%<\/td><\/tr>
BVCU Classic<\/td>14.90%<\/td><\/tr>
Credit Builder & Student Credit Builder<\/td>14.90%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
Card Terms (all cards)<\/th>Terms<\/th><\/tr><\/thead>
Grace Period<\/td>25 days for purchases<\/td><\/tr>
Balance Calculation Method<\/td>Average Daily Balance including new purchases and advances<\/td><\/tr>
Minimum Finance Charge<\/td>None<\/td><\/tr>
Annual Fee<\/td>None<\/td><\/tr>
Late Payment Fee<\/td>$25.00<\/td><\/tr>
Cash Advance Fee<\/td>None<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

*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.<\/em><\/p>\n\n\n\n

\n\n\n\n

Saving Rates<\/h2>\n\n\n\n

*APY = Annual Percentage Yield<\/em><\/p>\n\n\n\n

Click here for our Truth In Savings Disclosure<\/a><\/p>\n\n\n\n

Regular Share Savings<\/th>Dividend Rate<\/th>APY*<\/th><\/tr><\/thead>
$100 -$1,000<\/td>0.05%<\/td>0.05%<\/td><\/tr>
$1,001 – $2,000<\/td>0.05%<\/td>0.05%<\/td><\/tr>
$2,001 – $5,000<\/td>0.05%<\/td>0.05%<\/td><\/tr>
$5001 – $10,000<\/td>0.05%<\/td>0.05%<\/td><\/tr>
$10,001 and higher<\/td>0.05%<\/td>0.05%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Fees can reduce earnings. Click here for a complete Fee Schedule.<\/a> All rates are subject to change daily.<\/p>\n\n\n\n

Youth Savings<\/th>Dividend Rate<\/th>APY*<\/th><\/tr><\/thead>
Y.E.S Account (Age 14-17)<\/td>0.05%<\/td>0.05%<\/td><\/tr>
Rags To Riches Club (Under 14)<\/td>0.05%<\/td>0.05%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Fees can reduce earnings. Click here for a complete Fee Schedule.<\/a> All rates are subject to change daily. Click here for disclosure information.<\/a><\/p>\n\n\n\n

Youth Certificates – 12 Months<\/th>Dividend Rate<\/th>APY*<\/th><\/tr><\/thead>
$100 – $499<\/td>0.10%<\/td>0.10%<\/td><\/tr>
$500 – $9,999<\/td>0.40%<\/td>0.40%<\/td><\/tr>
$10,000 – $49,999<\/td>0.45%<\/td>0.45%<\/td><\/tr>
$50,000 – $99,999<\/td>0.50%<\/td>0.50%<\/td><\/tr>
$100,000 and over<\/td>0.60%<\/td>0.60%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Fees can reduce earnings. Click here for a complete Fee Schedule.<\/a> All rates are subject to change daily. Click here for disclosure information.<\/a><\/p>\n\n\n\n

Miscellaneous Share<\/th>Dividend Rate<\/th>APY*<\/th><\/tr><\/thead>
Holiday Club<\/td>0.05%<\/td>0.05%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Fees can reduce earnings. Click here for a complete Fee Schedule.<\/a> All rates are subject to change daily. Click here for disclosure information.<\/a><\/p>\n\n\n\n

<\/a>Money Market
(Regular, Business & IRA)<\/th>		Dividend Rate<\/th>APY*<\/th><\/tr><\/thead>
$0.00 – $499<\/td>0.05%<\/td>0.05%<\/td><\/tr>
$500 – $9,999<\/td>0.10%<\/td>0.10%<\/td><\/tr>
$10,000 – $24,999<\/td>0.20%<\/td>0.20%<\/td><\/tr>
$25,000 – $49,999<\/td>0.25%<\/td>0.25%<\/td><\/tr>
$50,000 – $99,999<\/td>0.30%<\/td>0.30%<\/td><\/tr>
$100,000 and over<\/td>0.35%<\/td>0.35%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Fees can reduce earnings. Click here for a complete Fee Schedule.<\/a> All rates are subject to change daily. Click here for disclosure information.<\/a><\/p>\n\n\n\n

<\/a>IRA Share<\/th>Dividend Rate<\/th>APY*<\/th><\/tr><\/thead>
Take advantage of tax deferred interest with an IRA.<\/td>0.05%<\/td>0.05%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Fees can reduce earnings. Click here for a complete Fee Schedule.<\/a> All rates are subject to change daily. Click here for disclosure information.<\/a><\/p>\n\n\n\n

<\/a>Executive Checking<\/th>Dividend Rate<\/th>APY*<\/th><\/tr><\/thead>
$0.00 – $9,999<\/td>0.01%<\/td>0.01%<\/td><\/tr>
$10,000 – $24,999<\/td>0.15%<\/td>0.15%<\/td><\/tr>
$25,000 – $99,999<\/td>0.20%<\/td>0.20%<\/td><\/tr>
$100,000 and over<\/td>0.25%<\/td>0.25%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Fees can reduce earnings. Click here for a complete Fee Schedule.<\/a> All rates are subject to change daily. Click here for disclosure information.<\/a>
<\/p>\n\n\n\n

Share and IRA Certificates<\/th><\/tr><\/thead><\/table><\/figure>\n\n\n\n
 <\/th>$10,000 min.<\/th>$500 min.<\/th><\/tr><\/thead><\/table><\/figure>\n\n\n\n
Term<\/th>Dividend Rate<\/th>APY*<\/th>Dividend Rate<\/th>APY*<\/th><\/tr><\/thead>
3 mo<\/td>0.10%<\/td>0.10%<\/td>0.05%<\/td>0.05%<\/td><\/tr>
6 mo<\/td>0.25%<\/td>0.25%<\/td>0.25%<\/td>0.25%<\/td><\/tr>
12 mo<\/td>0.45%<\/td>0.45%<\/td>0.45%<\/td>0.45%<\/td><\/tr>
18 mo<\/td>0.60%<\/td>0.60%<\/td>0.60%<\/td>0.60%<\/td><\/tr>
24 mo<\/td>0.70%<\/td>0.70%<\/td>0.70%<\/td>0.70%<\/td><\/tr>
30 mo<\/td>0.75%<\/td>0.75%<\/td>0.75%<\/td>0.75%<\/td><\/tr>
36 mo<\/td>1.05%<\/td>1.06%<\/td>1.00%<\/td>1.00%<\/td><\/tr>
48 mo<\/td>1.35%<\/td>1.36%<\/td>1.30%<\/td>1.31%<\/td><\/tr>
60 mo<\/td>1.65%<\/td>1.66%<\/td>1.60%<\/td>1.61%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n
 <\/th>$100,000 min.<\/th>$50,000 min.<\/th><\/tr><\/thead><\/table><\/figure>\n\n\n\n
Term<\/th>Dividend Rate<\/th>APY*<\/th>Dividend Rate<\/th>APY*<\/th><\/tr><\/thead>
3 mo<\/td>0.20%<\/td>0.20%<\/td>0.15%<\/td>0.15%<\/td><\/tr>
6 mo<\/td>0.30%<\/td>0.30%<\/td>0.30%<\/td>0.30%<\/td><\/tr>
12 mo<\/td>0.60%<\/td>0.60%<\/td>0.50%<\/td>0.50%<\/td><\/tr>
18 mo<\/td>0.65%<\/td>0.65%<\/td>0.60%<\/td>0.60%<\/td><\/tr>
24 mo<\/td>0.75%<\/td>0.75%<\/td>0.70%<\/td>0.70%<\/td><\/tr>
30 mo<\/td>0.85%<\/td>0.85%<\/td>0.80%<\/td>0.80%<\/td><\/tr>
36 mo<\/td>1.15%<\/td>1.16%<\/td>1.10%<\/td>1.11%<\/td><\/tr>
48 mo<\/td>1.45%<\/td>1.46%<\/td>1.40%<\/td>1.41%<\/td><\/tr>
60 mo<\/td>1.75%<\/td>1.76%<\/td>1.70%<\/td>1.71%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Fees can reduce earnings. Click here for a complete Fee Schedule.<\/a> All rates are subject to change daily. Click here for disclosure information.<\/a><\/p>\n\n\n\n

\n\n\n\n

Mortgage Rates<\/h2>\n\n\n\n

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.<\/strong> 
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.<\/p>\n\n\n\n

Fixed Rate Mortgage<\/h3>\n\n\n\n
30 Year Fixed Mortgage<\/th><\/tr><\/thead><\/table><\/figure>\n\n\n\n
Interest Rate<\/th>Origination Points<\/th>Disc. Points<\/th>APR<\/th>Payment<\/th><\/tr><\/thead>
3.875%<\/td>0.00<\/td>1.000<\/td>4.030%<\/td>$940.47<\/td><\/tr>
4.125%<\/td>0.00<\/td>0.000<\/td>4.197%<\/td>$969.30<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n