RATES

RATES

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Apply here for new or used auto, boat, RV and motorcycle loans, Visa® Credit Card, Overdraft Line of Credit, Share Secured and personal loans.

List of Current Loan Rates

New & Used Cars and Trucks

Limited-time Promotional Rates

APR* as low as

  • up to 60 months 3.25%
  • 61 – 72 months 3.75%
  • 73 – 84 months 3.99%*

DETAILS

Rates apply to new and used vehicles, or a refinanced auto loan from another lender. Used vehicles are financed at NADA Retail Book Value, plus taxes.

*Annual Percentage Rate. Advertised rate is “as low as” and is determined by the credit-worthiness of each applicant. Rates subject to change without notice. Rates are for new BSCU loans; current BSCU loans are not eligible for rate refinancing. At 3.25% APR with a 60-month term, you will make 60 monthly payments of $18.09 per $1,000 of the loan. Please use our payment calculator for specific payment estimates.

*73-84 month term is for vehicles 4 years old or newer and for loans of $25,000 or more.

New and Used Recreational Vehicles (Boats, Motorcycles, RV’s)

APR* as low as

  • up to 36 months 4.75%
  • 37 – 60 months 5.00%
  • 61 – 72 months 5.50%
  • 73 – 120 months 6.50%

DETAILS

Rates apply to new and used boats, RVs or motorcycles, or a refinanced loan from another lender. Used vehicles are financed at NADA Retail Book Value, plus taxes.

*Loan rates reflect the lowest rate available on approved credit as determined by the credit-worthiness of each applicant. For RV Loans with terms up to 36 months, the APR is 4.75%. For terms from 37 to 120 months, check out Rates page. Rates are subject to change without notice. At 4.75% APR with a 36 month term, you will make 36 payments of $29.86 per $1,000 or the loan. Please use our payment calculator for specific payment estimates.

Share Secured

The rate is 2% above Annual Percentage Yield on the account used to secure the loan.

Home Equity Line of Credit

Currently as low as 5.50% variable APR. Rate is based on the most recent Prime Rate as listed in the Wall Street Journal.

Fixed Rate Home Equity Loan

APR* as low as

  • up to 60 months 5.50%
  • 61 – 120 months 6.50%
  • 121 – 180 months 7.00%

DETAILS

 

*Loan rates reflect the lowest rate available on approved credit as determined by the credit-worthiness of each applicant. Rates are subject to change without notice. At 5.50% with a 60-month term, you would make 60 monthly payments of $19.11 per $1,000 of the loan. Please use this calculator for specific payment estimates.

MINI Equity

Minimum loan is $5,000. Maximum loan is $25,000.

Variable APR as low as

  • up to 60 months 6.50%
  • 61 – 120 months 7.50%

 

*Loan rates reflect the lowest rate available on approved credit as determined by the credit-worthiness of each applicant. Rates are subject to change without notice. At 6.50% with a 60-month term, you would make 60 monthly payments of $19.58 per $1,000 of the loan. Please use this calculator for specific payment estimates.

Unsecured Personal Loan

APR* as low as

  • up to 36 months 7.75% - Loan maximum $15,000
  • 37 – 60 months 9.0% - Loan maximum $15,000

Visa® Credit Card

APR* as low as 10.50%

  • Maximum line $15,000
  • No balance transfer fee, over the limit or late fee, and no annual fee.

Overdraft Line of Credit

APR* as low as 11.50%

  • Maximum line $3,000

*APR= Annual Percentage Rate. Rates are subject to change without notice. Other rates, terms, or conditions may apply. Current BSCU loans are not eligible for rate refinancing.

Mortgage Rates

Mortgages Through Owners Choice

For your home purchase needs please contact our partner, Owner’s Choice Funding, at 716-839-0701.

Use this calculator to calculate payment.

Savings & Share Certificate Rates

*minimum balance required to earn the advertised Annual Percentage Rate yield is $500

Regular Shares

Effective 7/1/2018

Dividends Balance Requirements
Annual Dividend Dividend Minimum Minimum
Effective Percentage Compounding Crediting Opening Balance to Balance
Date Rate Yield Frequency Frequency Balance Earn APY Method
Share Savings/ Daily
IRA Share Accounts 7/1/18 0.25% 0.25% Monthly Monthly $25.00 $25.00 Balance
Share Draft Checking/ Daily
Share Transaction Account 9/1/09 0.00% 0.00% Monthly Monthly none $25.00 Balance
Holiday Club/ Daily
Goalsetter Club 7/1/18 0.25% 0.25% Monthly Monthly $5.00 $25.00 Balance
Certificates
(Minimum deposit $500.00)
Substantial penalty for early withdrawal could reduce earnings on the account.
Share Certificate and IRA Certificate Rate APY
6-month 1.00% 1.00%
1-year 1.35% 1.36%
2-year 1.60% 1.61%
3-year 1.75% 1.76%
4-year 1.90% 1.92%

effective date 1-16-19