Consumer Loan Rates
Low Rates & Great Service.
Loan Rates are subject to change without notice. Last updated 5/01/2025. Your rate and the financing terms for which you qualify will be determined by your credit-worthiness. Ask the credit union for the rate for which you qualify.
Auto Loans
| Type | Term | APR |
|---|---|---|
| New & Newer Used Auto Loan** | Up to 48 Months | 6.14% to 14.24% |
| New & Newer Used Auto Loan** | 49 to 78 Months | 6.49% to 16.24% |
| Used Auto Loan*** | Up to 72 Months | 7.19% to 16.80% |
| New & Newer Used Boat Loan** | Up to 96 Months | 7.49% to 17.15% |
| Used Boat Loan*** | Up to 84 Months | 8.19% to 17.15% |
| New & Newer Used Motorcycles** | Up to 78 Months | 7.99% to 17.15% |
| New Recreational Vehicle** | Up to 144 Months | 7.49% to 17.15% |
| Used Recreational Vehicle*** | Up to 120 Months | 8.19% to 17.15% |
| New Lawn & Garden Equipment | Up to 60 Months | 8.89% to 17.90% |
| New ATV's Only | Up to 36 Months | 7.99% to 15.99% |
| New ATV's Only | 37 to 60 Months | 10.39% to 17.15% |
Auto Loan example on a $20,000 loan at 6.14%, you would make 48 monthly payments of $472.19. On a $20,000 loan at 6.49%, you would make 78 monthly payment of $315.83.
*Annual Percentage Rate
**New – 2023 Models and newer
***Used – 2016 - 2022 Models
Ask a BFCU employee for details. Some restrictions apply.
Visa® Credit Cards*
| Type | Term | APR |
|---|---|---|
| Platinum Secured | 7.9% | |
| Platinum Preferred | 12.9% | |
| Platinum | 15.9% |
*Minimum monthly payment for all credit card types is 2% of the outstanding balance or $15, whichever is greater. The APR* for which you may qualify is based on your credit qualifications.
**Annual Percentage Rate
Personal Loans
| Type | Term | APR |
|---|---|---|
| Signature Loan | Up to 60 Months | 11.9% to 17.15% |
| Personal Line of Credit | 10.50% to 16.50% variable rate | |
| New Miscellaneous Collateral | 12 to 60 Months | 8.89% to 17.90% |
| Savings Secured Loans | 12 to 120 Months | 2.25%(Share rate +2%) |
*Annual Percentage Rate.
Membership eligibility required. Loan example, on a $2,000 signature loan at 11.9% APR you would make 24 monthly payments of $94.51. Some restrictions apply. Rates are subject to change at any time.
** The minimum monthly payment on a line of credit loan is 2% of the outstanding month-end balance or $15.00 whichever is greater.