BCU

as low as

2.24% 2.24% APR

Disclosure

11-Month Certificate

deposit new money and get

2.00% 2.00% APY

Disclosure

Rainy Day Savings™

earn up to

2.50% 2.50% APR

Disclosure

Personal Loans

as low as

7.49% APR

Disclosure

Rainy Day Savings

First consecutive 12 months

1.25% APY

Disclosure

View All Rates

View Puerto Rico Rates View US Rates

APR = Annual Percentage Rate
APY = Annual Percentage Yield

Current Rates

▼

PowerPlus Checking	APY	Dividend Rate
On balances up to $25,000	2.00%	1.98%
On balances over $25,000	0.25%	0.25%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Business Checking	APY	Dividend Rate
Premier Business Checking	0.50%	0.50%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

	Rewards APY	Dividend Rate	Regular APY	Dividend Rate
New Money Special: 11-month term¹	2.00%	1.98%	2.00%	1.98%
3-month term	0.80%	0.80%	0.70%	0.70%
6-month term	0.85%	0.85%	0.75%	0.75%
12-month term	1.25%	1.24%	1.15%	1.14%
Special: 18-month term	2.05%	2.03%	1.80%	1.79%
24-month term	1.35%	1.34%	1.10%	1.09%
36-month term	1.95%	1.93%	1.70%	1.69%
48-month term	2.10%	2.08%	1.85%	1.83%
60-month term	2.20%	2.18%	1.95%	1.93%
Special: 65-month term	2.50%	2.47%	2.25%	2.23%
36-month Kid's Certificate	N/A	N/A	2.20%	2.18%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

	Rewards APY	Dividend Rate	Regular APY	Dividend Rate
12-month term	1.25%	1.24%	1.15%	1.14%
Special: 18-month term	2.05%	2.03%	1.80%	1.79%
24-month term	1.35%	1.34%	1.10%	1.09%
36-month term	1.95%	1.93%	1.70%	1.69%
48-month term	2.10%	2.08%	1.85%	1.83%
60-month term	2.20%	2.18%	1.95%	1.93%
Special: 65-month term	2.50%	2.47%	2.25%	2.23%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Money Market Special	APY	Dividend Rate
$15,000+	1.40%	1.39%
Less than $15,000	0.05%	0.05%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Regular Money Market	APY	Dividend Rate
$500,000 and above	0.80%	0.80%
$250,000-$499,999	0.65%	0.65%
$100,000-$249,999	0.25%	0.25%
$25,000-$99,999	0.20%	0.20%
$1,000-$24,999	0.10%	0.10%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Investor Money Market	APY	Dividend Rate
All Balances	1.60%	1.59%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

IRA Money Market	APY	Dividend Rate
$1,000 or greater	1.25%	1.24%
$0 to $999	0.05%	0.05%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Rainy Day Savings	APY	Dividend Rate
First consecutive 12 months	1.25%	1.24%
After first 12 months:
On balances up to $25,000	2.50%	2.47%
On remainder over $25,000	0.25%	0.25%

Regular Savings	APY	Dividend Rate
Regular Savings	0.05%	0.05%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Loan Term	APR - 2017 & Newer	APR - 2013 - 2016*
0 - 60 Months	as low as 2.24%	as low as 2.74%
61 - 75 Months	as low as 2.84%	as low as 3.34%
76 - 84 Months	as low as 3.74%	N/A
*Please call for rates on model years 2012 or older.

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Loan Term	APR-2017 & Newer	APR-2013-2016*
0 - 60 months	as low as 3.29%	as low as 3.79%
61 - 75 months	as low as 3.89%	as low as 4.39%
76 - 84 months	as low as 4.79%	N/A
*Please call for rates on model years 2012 or older.

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

	APR
Cash Rewards Visa	12.90% - 18.00%
Travel Rewards Visa	12.90% - 18.00%
Simply Visa	10.00% - 18.00%
LAUNCH™ Visa	18.00% - 18.00%
Visa Business	11.75% - 20.00%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

	APR
Undergraduate Line of Credit	as low as 4.75%
Graduate/Business Line of Credit	as low as 4.75%
Refinance Loan	as low as 2.99%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

	APR
Home Equity Variable	as low as 3.75%
Home Equity Fixed	as low as 5.00%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

	APR
Personal Loans	as low as 7.49%
Share Secured Loans	as low as 3.24%
Stock Secured Loans	as low as 4.24%
Secured Line of Credit	as low as 4.75%
Unsecured Line of Credit	as low as 6.50%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

View rates that change daily

APR = Annual Percentage Rate

APY = Annual Percentage Yield

▼

PowerPlus Checking	APY	Dividend Rate
On balances up to $25,000	2.00%	1.98%
On remainder over $25,000	0.25%	0.25%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

	Rewards APY	Dividend Rate	Regular APY	Dividend Rate
New Money Special: 11-month term¹	2.00%	1.98%	2.00%	1.98%
3-month term	0.80%	0.80%	0.70%	0.70%
6-month term	0.85%	0.85%	0.75%	0.75%
12-month term	1.25%	1.24%	1.15%	1.14%
Special: 18-month term	2.05%	2.03%	1.80%	1.79%
24-month term	1.35%	1.34%	1.10%	1.09%
36-month term	1.95%	1.93%	1.70%	1.69%
48-month term	2.10%	2.08%	1.85%	1.83%
60-month term	2.20%	2.18%	1.95%	1.93%
Special: 65-month term	2.50%	2.47%	2.25%	2.23%
36-month Kid's Certificate	N/A	N/A	2.20%	2.18%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Money Market Special	APY	Dividend Rate
$15,000+	1.40%	1.39%
Less than $15,000	0.05%	0.05%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Investor Money Market	APY	Dividend Rate
All Balances	1.60%	1.59%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Regular Money Market	APY	Dividend Rate
$500,000 and above	0.80%	0.80%
$250,000-$499,999	0.65%	0.65%
$100,000-$249,999	0.25%	0.25%
$25,000-$99,999	0.20%	0.20%
$1,000-$24,999	0.10%	0.10%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Rainy Day Savings	APY	Dividend Rate
first consecutive 12 months	1.25%	1.24%
after first 12 months
on balances up to $25,000	2.50%	2.47%
on remainder over $25,000	0.25%	0.25%

Regular Savings	APY	Dividend Rate
Regular Savings	0.05%	0.05%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Loan Term	APR - 2017 & Newer	APR - 2013 - 2016*
0 - 48 Months	as low as 2.24%	as low as 2.74%
49 - 60 Months	as low as 2.74%	as low as 3.24%
61 - 75 Months	as low as 2.84%	as low as 3.34%
76 - 84 Months	as low as 5.24%	N/A
*Please call for rates on model years 2012 or older.

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

Loan Term	APR-2017 & Newer	APR-2013-2016*
0 - 48 months	as low as 4.49%	as low as 4.99%
49 - 60 months	as low as 4.99%	as low as 5.49%
61 - 75 months	as low as 5.09%	as low as 5.59%
76 - 84 months	as low as 7.49%	N/A
*Please call for rates on model years 2012 or older.

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

	APR
Rewards Visa	10.90% - 19.90%
Simply Visa	10.40% - 18.00%
LAUNCH™ Visa	18.00% - 18.00%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

	APR
Home Equity Variable	as low as 3.50%
Home Equity Fixed	as low as 4.625%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

	APR
Personal Loans	as low as 7.49%
Share Secured Loans	as low as 3.24%
Stock Secured Loans	as low as 4.24%
Secured Line of Credit	as low as 4.75%
Unsecured Line of Credit	as low as 6.50%

APR = Annual Percentage Rate

APY = Annual Percentage Yield

Disclosure

View rates that change daily

APR = Annual Percentage Rate

APY = Annual Percentage Yield

New look.
New login location.
Meet the reimagined BCU.

A refreshed brand.
A renewed commitment.
Meet the new BCU.

Checking with your interest in mind.
Earn 2.00% APY on balances up to $25,000.

Shop for a home, earn an average of $1,545 cash rewards!

Auto Refinance

11-Month Certificate

Rainy Day Savings™

Personal Loans

Rainy Day Savings

Save on college funding with as low as 4.75% APR.

High school seniors, earn up to $5,000 in scholarship!

Transfer your HELOC loan and get up to $250 cash back.

Earn 1.5% cash back on every purchase!

Have questions? We’re here to help.

Enjoy anytime, anywhere access with the Mobile App.

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See all your membership accounts in one convenient place!

Current Rates