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 2.25%
  • 61 – 72 months 2.75%
  • 73 – 84 months 2.95%*

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.

To APPLY NOW, click here.

At 2.25% with a 60-month term, you would make 60 monthly payments of $17.64 per $1,000 of the loan. Please use calculators provided for specific monthly 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 3.00%
  • 37 – 60 months 4.00%
  • 61 – 72 months 4.50%
  • 73 – 120 months 5.00%

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.

To APPLY NOW, click here.

Share Secured

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

To APPLY NOW, click here.

Home Equity Line of Credit

Currently as low as 5% variable APR. Rate is based on the most recent Prime Rate as listed in the Wall Street Journal.

Click here to download the application

Click here for disclosures

Fixed Rate Home Equity Loan

APR* as low as

  • up to 60 months 4.00%
  • 61 – 120 months 5.00%
  • 121 – 180 months 6.00%

DETAILS

Click here to download the application

Click here for disclosures

MINI Equity

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

Variable APR as low as

  • up to 60 months 5.00%
  • 61 – 120 months 6.00%

Click here to download the application

Click here for disclosures 

Unsecured Personal Loan

APR* as low as

  • up to 36 months 7.75% - Loan maximum $15,000
  • 37 – 60 months 9.00% - Loan maximum $15,000

To APPLY NOW, click here.

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.

To APPLY NOW, click here.

Overdraft Line of Credit

APR* as low as 11.50%

  • Maximum line $3,000

To APPLY NOW, click here.

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

Regular Shares

Effective 7/1/2018

Dividend Rates and Annual Percentage Yields — APY (Rates subject to change without notice.)
(Minimum balance to earn dividend - $25.00) Rate APY
Share Savings (Rates may change after account is opened.) .25% .25%
Holiday Club .25% .25%
Goalsetter Club Account .25% .25%
IRA Share Savings .25% .25%
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 .60% .60%
1-year .80% .80%
2-year 1.00% 1.00%
3-year 1.25% 1.26%
4-year 1.50% 1.51%

Rates are subject to change without notice. Other rates, terms, fees or conditions may apply. Current BSCU loans are not eligible for rate refinancing.