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Loan Disclosures

New & Used Auto Stock, Secured and Personal
Home Equity Prime Rate
New & Used Recreational Vehicle

New & Used Auto

1 APR is subject to change. The rates listed include a 0.25% discount for selecting an automated payment method, and an additional 0.50% for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. New rates are available on previously untitled 2009 and newer vehicles. Used rates apply to 2004 and newer model vehicles. The stated rates are the lowest available and your rate may be higher.

New & Used Recreational Vehicle

2 Rates include a 0.25% discount for selecting an automated payment method, and an additional 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month into a credit union checking account; at least $25,000 on deposit; or a loan in good standing. Ask for details. All rates are subject to change, credit certification and approval. The stated rates are the lowest available and your rate may be higher.

Home Equity

Home Equity Line of Credit

3 For a Home Equity Line of Credit, the APR is a variable rate based on the highest Prime Rate published in the "Money Rates" section of The Wall Street Journal on the first business day of the calendar month. The APR on BCU's equity line products vary between 3.99% and 18.00%, depending on your approved commitment amount, product and credit qualifications. You may reduce your APR up to 0.75% with Rewards Rates. This includes a 0.25% discount for selecting an automated payment method, and an additional 0.50% for having two of the following relationships: direct deposit of at least $500 per month into your credit union checking account; at least $25,000 on deposit, or a loan in good standing. Ask for details. Closing costs vary by state and range from $285-$995. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed. Property insurance is required; flood insurance may be required. Offer applies to residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Consult your tax advisor regarding the deductibility of interest. All loans subject to final credit approval, which includes verification of application information and receipt of collateral documents.

* Promotional rate will be in effect for 36 months and can vary based on credit history. Rewards rates do not apply to the promotional term. After the first 36 months and for the remainder of the 10 year term, the Annual Percentage Rate (APR) will be the Prime Rate, plus or minus a margin based on credit history and available equity. The APR is based on the highest Prime Rate reported in the Money Rates section of The Wall Street Journal. On 4/1/10, the WSJ Prime was 3.25%. The maximum APR is 18%. You may be able to reduce the APR on the remaining term up to .75% with Rewards pricing. To qualify for a Rewards APR, you must elect an automatic payment option and have two of the following: direct deposit of at least $500 per month into your credit union checking account, at least $25,000 on deposit with the credit union, or a loan in good standing. Ask for details. Loan-to-value must be 80% or less to qualify for stated 3.99% APR. Other promotional rates available. Offer not valid in Texas or Puerto Rico. Closing costs vary by state and range from $285-$995. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed. Property insurance is required; flood insurance may be required. Offer applies to residential, owner-occupied residences and is subject to our underwriting standards. Vacation and investment properties are not eligible. Consult your tax advisor regarding the deductibility of interest. All loans subject to final credit approval, which includes verification of application information and receipt of collateral documents. Minimum balance of $20,000 must be maintained for 12 months to avoid closing costs on a new or refinanced loan.

Home Equity Fixed

4 Home Equity Loans have a loan term up to 10 years. For example, a 6.75% APR fixed rate would result in 120 monthly payments of $8.85 per $1,000 borrowed. Funds will be disbursed after the federally mandated cancellation period. You may reduce your APR up to 0.75% with Rewards Rates. This includes a 0.25% discount for selecting an automated payment method, and an additional 0.50% for having two of the following relationships: direct deposit of at least $500 per month into your credit union checking account; at least $25,000 on deposit, or a loan in good standing. Ask for details. Offer applies to residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Property insurance is required; flood insurance may be required. Rates are dependent on your loan amount, product and credit qualifications. Closing costs vary by state and range from $285-$995. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed. Consult your tax advisor regarding the deductibility of interest. All loans subject to credit approval, which includes verification of application information and receipt of collateral documents.

Stock, Secured & Personal

6 Rates include a 0.25% discount for selecting an automated payment method, and an additional 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month into a credit union checking account; at least $25,000 on deposit; or a loan in good standing. Ask for details. All rates are subject to change, credit certification and approval. The stated rates are the lowest available and your rate may be higher.

Shared Secured Loans

7 APR for loans secured by certificates will be 1% more than the annual percentage yield (APY) on the certificate.

Secured Line of Credit

8 Maximum Loan-To-Value ratio allowed for Stock Secured Loans equals 70% of their current stock value.

Prime Rate

9 Prime Rate published in the "Money Rates" section of The Wall Street Journal on the first business day of the calendar month.