RatesLoan RatesMortgages| Account Type | Term | Comments | | | Buying a Home? - First Mortgages (Fixed and Adjustable Rates) | First Mortgages for Primary, Vacation and Income Properties available | Member Advantage Mortgage, LLC offers first mortgages for primary, vacation and investment properties. Many rates and terms available. Click here for a list of products available. | All First Mortgages are processed through Bellwether's mortgage subsidiary, Member Advantage Mortgage. - Various rates and terms available.
- Best Rate Guarantee.
- To view all available rates and terms click here.
Homeowner's insurance is required. Equal Housing Lender. All loans subject to credit approval.
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Home Equity Lines| Account Type | % Financed | APR | Calculator | Application | | | Special Home Equity Line | Up to 89.9% | As low as 4.99% Fixed for 36 months, then prime - 1/2%, thereafter (Variable) | |  | | | Home Equity Line | Up to 89.9% | As low as Prime - 1/2% (Variable) |  | | | | Home Equity Plus Line | Up to 100% | As low as Prime + 1.5% (Variable) | | | Rates 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 10/31/08, 4.00%) and are subject to change at any time. As of 10/31/08, Special Home Equity Line: As low as 4.99%, fixed for 3 years then as low as Prime - 1/2% (3.50% as of 10/31/08), Home Equity Line: As low as 3.50%, and Home Equity Plus Line: As low as 5.50%. 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.
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Home Equity Loans| Account Type | % Financed | APR | Min Balance | Comments | Calculator | Application | | | Home Equity Loan/5 yr term | Up to 80% | As Low as 5.99% Fixed | $20,000 | Est. monthly pmt: $19.33 per month per $1,000 | | | | | Home Equity Loan/10 yr term | Up to 80% | As low as 6.15% Fixed | $20,000 | Est. monthly pmt: $11.18 per month per $1,000 | | | | | Home Equity Loan/15 yr term | Up to 80% | As low as 6.39% Fixed | $20,000 | Est. monthly pmt: $8.65 per month per $1,000 | | | Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. Rates displayed require minimum $20,000 loan and include a .10% discount for autopay from a Loyalty Rewards Checking account. Members without Loyalty Rewards Checking should add .10% to the rate shown. Home Equity Loans are fully amortizing. Payments include principal and interest. Homeowner's Insurance is required. Rates for lower loan amounts or higher LTV are available. All loans subject to credit approval. Please call 1-866-996-9828 for more details.
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Auto Loans| Account Type | % Financed | APR | Amount | Comments | Application | | | Auto Loan - 36 Months | Up to 100% | As low as 4.94% | | Est. monthly pmt: $29.94 per $1,000 | | | | Auto Loan - 48 Months | Up to 100% | As low as 4.94% | | Est. monthly pmt: $23.00 per $1,000 | | | | Auto Loan - 60 Months | Up to 100% | As low as 5.49% | | Est. monthly pmt: $19.10 per $1,000 | | | | Auto Loan - 72 Months | Up to 100% | As low as 7.04% | | Est. monthly pmt: $17.07 per $1,000 | | | | Auto Loan - 84 Months | Up to 100% | As low as 7.54% | $20,000 Min. | Est. monthly pmt: $15.36 per $1,000 | | 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 are available. APR and term are based on your credit rating and ability to repay. Title, UCC & VSI fees will be charged when necessary. All loans subject to credit approval.
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Visa Cards| Account Type | APR | Calculator | Application | | | Visa Platinum | 7.90% | | | | | Visa Gold | 9.90% | | | | | Visa Classic | 11.90% | | | Rates are subject to change at any time. Your actual rate will be determined by your credit worthiness and ability to repay. All loans subject to credit approval. View Disclosures
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Boats and RVs| Account Type | % Financed | APR | Comments | Calculator | Application | | | Boats or RVs - 36 Months | Up to 100% | As low as 6.65% | Est. monthly pmt: $30.72 per $1,000 | | | | | Boats or RVs - 48 Months | Up to 100% | As low as 7.15% | Est. monthly pmt: $24.02 per $1,000 | | | | | Boats or RVs - 60 Months | Up to 100% | As low as 7.65% | Est. monthly pmt $20.11 per thousand | | | | | RV's - 72 Months | Up to 80% | As low as 7.90% | Est. monthly pmt: $17.48 per $1,000 | | | | | RV's - 96 Months | Up to 80% | As low as 7.90% | Est. monthly pmt $14.09 per thousand | | | 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 are available. RV loans over 60 months and $50,000 require 20% down. All loans subject to credit approval.
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Motorcycles, Snowmobiles, ATVs & Farm Equipment| Account Type | APR | Comments | Calculator | Application | | | Snowmobiles, ATVs, Farm Equipment - 36 Months | As low as 7.90% | Est. monthly pmt: $31.29 per $1,000 | | | | | Snowmobiles, ATVs & Farm Equipment - 48 Months | As low as 8.15% | Est. monthly pmt: $24.48 per $1,000 | | | | | Snowmobiles, ATVs & Farm Equipment - 60 Months | As low as 8.40% | Est. monthly pmt: $20.47 per $1,000 | | | | | Motorcycles - Up to 60 Months | As low as 7.14% | Est. monthly pmt: $19.87 per $1,000 | | | 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. Members without Loyalty Rewards Checking should add .10% to the rate shown. Additional rates and terms available. All loans subject to credit approval.
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Personal Loans/Lines| Account Type | APR | Comments | Calculator | Application | | | Personal Line of Credit | As low as 10.99% | | | | | | Personal Loan 36 Month Term | As low as 8.90% | Est. monthly pmt: $31.75 per $1,000 | | | Rates are subject to change at any time. For Personal Loans other rates and terms are available. Your actual rate will be determined by your credit worthiness and ability to repay. Rates quoted for Personal Loans include a .10% discount for Loyalty Rewards Checking. Members without Loyalty Rewards Checking should add .10% to the rate shown above. There is no discount on Personal lines of Credit. Please call 1-866-996-9828 for more details. All loans subject to credit approval.
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Share Secured Loan/Line| Account Type | % Financed | Comments | Calculator | Application | | | Share Secured Loan | Up to 90% | Various terms and payment options available. Please call for details. | | | | | Share Secured Line of Credit | Up to 90% | Various terms and payment options available. Please call for details. | | |
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