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Loan Disclosures

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

New & Used Auto

1 APR is subject to change. The rates listed assume an automatic payment method and include a 0.50% discount 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. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. The rates shown are the lowest available and your rate may be higher.

New & Used Recreational Vehicle

2 APR is subject to change. The rates listed assume an automatic payment method and include a 0.50% discount 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. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

Home Equity

Home Equity Line of Credit

3 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 2.99% and 18.00%, depending on your approved commitment amount, product and credit qualifications. Rates shown assume an automated payment method and include a 0.50% Rewards Rate discount 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. Qualifying loan types include mortgage, home equity, auto, and credit card. Closing costs vary by state and range from $700-$1300. 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.

Home Equity Fixed

4 Home Equity Loans have a loan term up to 20 years. Funds will be disbursed after the federally mandated cancellation period. Rates shown assume an automated payment method and include a 0.50% Rewards Rate discount 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. Qualifying loan types include mortgage, home equity, auto, and credit card. 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 $700-$1300. 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 assume an automated payment method, and include a 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 qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. 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. All rates are subject to change, credit certification and approval. The stated rates are the lowest available and your rate may be higher.

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.