Rates

$300 Minimum average daily balance required to earn dividends. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

$100 Minimum average daily balance required to earn dividends except Kid's Club account. "Save It Today!" Kid's Club has no minimum balance to earn dividends. $5.00 minimum to open account. Accounts have variable rates and may change after the account is opened. Fees could reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

The minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

The IRA Savings minimum balance is required to earn dividends. The certificate minimum balances listed are required to open and obtain dividends. Early withdrawal will result in a loss of earnings penalty. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

Average Daily Balance $2,500 - $9,999

Average Daily Balance $0.00 - $2,499

Rates are variable and may change after the account is opened. Minimum balance of $25.00 to open. Minimum balance of $2,500.00 to obtain dividends. Fees may reduce earnings. Each member is federally insured to at least $250,000 by the NCUA, a U.S. Government Agency.

30 years
3.000% initial rate
3.000% fully indexed

Payment Example*
Mos 1-12: $843.21
Mos 13-360: $842.14

30 years
3.000% initial rate
3.000% fully indexed

Payment Example*
Mos 1-36: $843.21
Mos 37-360: $842.14

30 years
3.375% initial rate
3.000% fully indexed

Payment Example*
Mos 1-60: $884.19
Mos 61-360: $848.87

30 years
3.500% initial rate
3.000% fully indexed

Payment Example*
Mos 1-84: $926.23
Mos 85-360: $859.03

30 years
4.125% initial rate
3.000% fully indexed

Payment Example*
Mos 1-12: $969.30
Mos 13-360: $877.54

* All rates and Annual Percentage Rates (APR) subject to change without notice. APR and payment example are based on a $200,000 loan and a 20% down payment. ARM CMT loans shown have a 30 year term, are payable monthly, and include an adjustable rate feature. Initial rate is fixed for the initial period and then one year adjustable thereafter.

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Annual Percentage Rates (APR) are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates are variable, based on Wall Street Journal Prime (as of 12/01/11, 3.25%) and are subject to change at any time. As of 12/01/11, Special Home Equity Line: As low as 2.75%, fixed for 3 years then as low as Prime - 1/2% (2.75%) Home Equity Line: As low as Prime - 1/2% (2.75%). Maximum rate over the life of the loan for all lines is 18%. "% Financed" represents Market Value less outstanding mortgage balances. Homeowner's insurance is required. There are no closing costs or fees to open the line. If you close the line within 4 years, you will reimburse BCCU $350 for costs we incurred to establish the line. Special Home Equity Line for new BCCU loans only. All loans subject to credit approval.

9.99% APR,
11.99% APR,
13.99% APR,
15.99% APR,
17.99% APR,
19.99% APR or
Variable

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Est. monthly pmt: $28.75 per $1,000

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Est. monthly pmt: $21.80 per $1,000

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Est. monthly pmt: $17.64 per $1,000

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Est. monthly pmt: $15.60 per $1,000

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Est. monthly pmt: $14.08 per $1,000

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* Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted include a .10% discount for Loyalty Rewards Checking. Rates for members without Loyalty Rewards checking would be .10% higher. Additional rates and terms available. Payment examples assume $0.00 down payment. All loans subject to credit approval.

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* Rates are subject to change at any time. For Personal Loans and Greenlight Energy Efficiency Loans, other rates and terms are available. Your actual rate will be determined by your creditworthiness and ability to repay. Rates quoted for Personal Loans and Greenlight Energy Efficiency Loans include a .10% discount for Loyalty Rewards Checking. Rates for members without Loyalty Rewards checking would be .10% higher. There is no discount on Personal lines of Credit. Please call 1-866-996-9828 for more details. Payment examples assume $0.00 down payment. All loans subject to credit approval.

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