Rates

Loan Rates

Mortgages

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  Return to top

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 5/1/08, 5.00%) and are subject to change at any time. As of 5/1/08, Special Home Equity Line:  As low as 4.99%, fixed for 3 years then as low as Prime - 1/2% (4.50% as of 5/1/08), Home Equity Line: As low as 4.50%, and Home Equity Plus Line: As low as 6.50%. 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.  Return to top

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. Please call 1-866-996-9828 for more details.  Return to top

Auto Loans

Account Type	% Financed	APR	Amount	Comments	Calculator	Application
Auto Loan - 36 Months	Up to 100%	As low as 4.44%		Est. monthly pmt: $29.72 per $1,000
Auto Loan - 48 Months	Up to 100%	As low as 4.44%		Est. monthly pmt: $22.78 per $1,000
Auto Loan - 60 Months	Up to 100%	As low as 4.99%		Est. monthly pmt: $18.87 per $1,000
Auto Loan - 72 Months	Up to 100%	As low as 6.54%		Est. monthly pmt: $16.83 per $1,000
Auto Loan - 84 Months	Up to 100%	As low as 7.04%	$20,000 Min.	Est. monthly pmt: $15.11 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.  Return to top

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. View Disclosures  Return to top

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.  Return to top

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.  Return to top

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  Return to top

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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