Home Loan Rates
|
Type |
Description |
As low as* %APR** |
Term |
Comment |
|---|---|---|---|---|
|
Home Equity |
Home Equity |
6.95% |
60 Mos. |
Second Lien Only, call for First Lien Rates. |
|
Home Equity |
Home Equity |
7.65% |
120 Mos. |
Second Lien Only, call for First Lien Rates. |
|
Home Equity |
Home Equity |
7.95% |
180 Mos. |
Second Lien Only, call for First Lien Rates. |
|
Home Equity |
Home Equity |
7.99% |
240 Mos. |
Second Lien Only, call for First Lien Rates. |
|
Home Improvement (M&M) lien |
Home Improvement |
6.65% |
60 Mos. |
Second Lien Only, call for First Lien Rates. |
|
Home Improvement (M&M) lien |
Home Improvement |
7.39% |
120 Mos. |
Second Lien Only, call for First Lien Rates. |
|
Home Improvement (M&M) lien |
Home Improvement |
7.60% |
180 Mos. |
Second Lien Only, call for First Lien Rates. |
|
Home Improvement (M&M) lien |
Home Improvement |
7.99% |
240 Mos. |
Second Lien Only, call for First Lien Rates. |
- *Rates based on risk analysis which consist of financial history and credit score.
- **APR=Annual Percentage Rate
- Rates are subject to change without notice.
- Effective date: 09/29/2023
- Click here to apply for BPFCU loans.
Secured & Unsecured Loan Rates
| TYPE | DESCRIPTION | AS LOW AS* %APR** |
TERM | COMMENT |
| Share Certificate (CD) Secured | Share Certificate Secured | 1.75% | Life of Certificate | 1.75% above the dividend rate. 90% of current value up to 60 months. |
| Line of Credit | No Collateral Required | 9.90% | Revolving | - |
| Personal Loan | No Collateral Required | 9.90% | 12 Months | - |
| Personal Loan | No Collateral Required | 10.90% | 24 Months | - |
| Personal Loan | No Collateral Required | 11.90% | 36 Months | - |
| Personal Loan | No Collateral Required | 12.90% | 48 Months | - |
| Personal Loan | No Collateral Required | 13.90% | 60 Months | - |
| Vacant Land/Lot | Unimproved (Raw) Land | 7.75% | 60 Months | As low as 10% down ** |
| Vacant Land/Lot | Unimproved (Raw) Land | 8.25% | 120 Months | As low as 10% down ** |
| Vacant Land/Lot | Unimproved (Raw) Land | 8.75% | 180 Months | As low as 10% down ** |
| Vacant Land/Lot | Unimproved (Raw) Land | 9.25% | 240 Months | As low as 10% down ** |
- *Rates based on risk analysis which consist of financial history and credit score.
- **APR=Annual Percentage Rate
- Effective Date: 09/29/2023 - rates are subject to change without notice
- Apply Online
Credit Card Rates
|
Type |
Description |
As low as* |
Term |
Comment |
|---|---|---|---|---|
|
Visa |
Beacon Score 740+ |
13.15% |
Revolving |
25 day Grace period |
|
Visa |
Beacon Score 700-739 |
14.15% |
Revolving |
25 day Grace period |
|
Visa |
Beacon Score 650-699 |
15.15% |
Revolving |
25 day Grace period |
|
Visa |
Beacon Score 630-649 |
17.90% |
Revolving |
25 day Grace period |
|
Visa |
Beacon Score 620-629 |
17.90% |
Revolving |
25 day Grace period |
|
Visa |
Beacon Score <620 |
17.90% |
Revolving |
25 day Grace period |
|
Visa |
No Beacon Score |
17.90% |
Revolving |
25 day Grace period |
|
Visa |
BP Foreign Rate |
17.90% |
Revolving |
25 day Grace period |
- *Rates based on risk analysis which consist of financial history and credit score.
- **APR=Annual Percentage Rate
- Rates are subject to change without notice
- Effective date: 07/28/2023
- Click here to apply for a Credit Union Credit Card.
- Click here to apply for other loans.
Boat, Watercraft, RV, Motorcycle
| Type | Description | As low as* %APR** | Term | Comment |
|---|---|---|---|---|
|
Boat/Watercraft |
New/Used |
6.50% |
36 Mos. |
|
|
Boat/Watercraft |
New/Used |
7.25% |
48 Mos. |
|
|
Boat/Watercraft |
New/Used |
7.50% |
60 Mos. |
|
|
Boat/Watercraft |
New/Used |
7.99% |
72 Mos. |
|
|
Boat/Watercraft |
New/Used |
8.25% |
84 Mos. |
Financing up to 100%+ TTL |
|
Boat/Watercraft |
New/Used |
8.50% |
96 Mos. |
|
|
Boat/Watercraft |
New/Used |
8.99% |
108 Mos. |
|
|
Boat/Watercraft |
New/Used |
9.99% |
120 Mos. |
over $50,000 |
|
Boat/Watercraft |
New/Used |
10.25% |
132 Mos. |
over $50,000 |
|
Boat/Watercraft |
New/Used |
10.99% |
144 Mos. |
over $50,000 |
|
Recreation Vehicles |
New/Used |
6.50% |
36 Mos. |
|
|
Recreation Vehicles |
New/Used |
7.25% |
48 Mos. |
|
|
Recreation Vehicles |
New/Used |
7.50% |
60 Mos. |
|
|
Recreation Vehicles |
New/Used |
7.99% |
72 Mos. |
|
|
Recreation Vehicles |
New/Used |
8.25% |
84 Mos. |
|
|
Recreation Vehicles |
New/Used |
8.50% |
96 Mos. |
|
|
Recreation Vehicles |
New/Used |
8.99% |
108 Mos. |
|
|
Recreation Vehicles |
New/Used |
9.99% |
120 Mos. |
|
|
Recreation Vehicles |
New/Used |
10.25% |
132 Mos. |
Financing up to 100%+ TTL |
|
Recreation Vehicles |
New/Used |
10.99% |
144 Mos. |
Financing up to 100%+ TTL |
|
Motorcycles |
New/Used |
6.50% |
36 Mos. |
|
|
Motorcycles |
New/Used |
7.25% |
48 Mos. |
|
|
Motorcycles |
New/Used |
7.50% |
60 Mos. |
|
|
Motorcycles |
New/Used |
7.99% |
72 Mos. |
|
|
Motorcycles |
New/Used |
8.25% |
84 Mos. |
Financing up to 100%+ TTL |
- *Rates based on risk analysis which consist of financial history and credit score.
- **APR=Annual Percentage Rate
- Effective date: 07/02/2023 - rates are subject to change without notice
- Apply online
Automobile Rates
| Type | Description | As low as* %APR** | Term | Comment |
|---|---|---|---|---|
|
Auto - New |
Current Year Vehicles |
5.90% |
36 Mos. |
|
|
Auto - New |
Current Year Vehicles |
6.15% |
48 Mos. |
|
|
Auto - New |
Current Year Vehicles |
6.75% |
60 Mos. |
|
|
Auto - New |
Current Year Vehicles |
7.25% |
72 Mos. |
|
|
Auto - New |
Luxury Autos 50,000+ |
7.60% |
84 Mos. |
|
|
Auto - Used |
8 Yr. |
5.60% |
24 Mos. |
Finance up to 100% of NADA Retail Value |
|
Auto - Used |
4 - 7 Yr. Old Vehicle |
5.90% |
36 Mos. |
Finance up to 100% of NADA Retail Value |
|
Auto - Used |
2 - 3 Yr. Old |
6.15% |
48 Mos. |
Finance up to 100% of NADA Retail Value |
|
Auto - Used |
1 Yr. Old Vehicle |
6.75% |
60 Mos. |
Finance up to 100% of NADA Retail Value |
|
Auto - Used |
1 Yr. Old Vehicle |
7.25% |
72 Mos. |
Finance up to 100% of NADA Retail Value |
|
Auto - Other |
Exotic, Collectible, Classic Vehicle |
8.50% |
48 Mos. |
|
- *Rates based on risk analysis which consist of financial history and credit score.
- **APR=Annual Percentage Rate
- Rates are subject to change without notice.
- Effective date: 09/29/2023
- Apply online
Deposit Rates
| SHARE TYPE | ACCOUNT TYPE | Dividend Rate | %APY** | Minimum to Open | Minimum Balance |
|---|---|---|---|---|---|
|
Checking |
Interest Bearing Checking |
0.12% |
0.12% |
$0.00 |
N/A |
|
Savings |
Share Saving |
0.30% |
0.30% |
$25.00 |
$100.00 |
|
Money Market |
$1,000 to $24,999.99 |
1.60% |
1.61% |
$2,500.00 |
$1,000.00 |
|
Money Market |
$25,000 to $49,999.99 |
2.00% |
2.02% |
$2,500.00 |
$25,000.00 |
|
Money Market |
$50,000 to $99,999.99 |
2.15% |
2.17% |
$2,500.00 |
$50,000.00 |
|
Money Market |
$100,000 + |
2.50% |
2.53% |
$2,500.00 |
$100,000.00 |
|
Share Certificates |
3 Months |
3.80% |
3.87% |
$1,000.00 |
$1,000.00 |
|
Share Certificates |
6 Months |
3.90% |
3.97% |
$1,000.00 |
$1,000.00 |
|
Share Certificates |
9 Months |
4.00% |
4.08% |
$1,000.00 |
$1,000.00 |
|
Share Certificates |
1 Year |
3.45% |
3.51% |
$1,000.00 |
$1,000.00 |
|
Share Certificates |
2 Years |
3.50% |
3.56% |
$1,000.00 |
$1,000.00 |
|
Share Certificates |
3 Years |
3.55% |
3.61% |
$1,000.00 |
$1,000.00 |
|
Share Certificates |
4 Years |
3.75% |
3.82% |
$1,000.00 |
$1,000.00 |
|
Share Certificates |
5 Years |
4.00% |
4.07% |
$1,000.00 |
$1,000.00 |
- *Rates based on risk analysis which consist of financial history and credit score.
- **APY=Annual Percentage Yield
- Rates are subject to change without notice.
- Effective date: 01/02/2024
Our Rates
Your BP Federal Credit Union membership gives you the benefit of lower loan rates and higher deposit rates than many other financial institutions. Browse our rates and check back for updates.