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Rates

All rates are subject to change by the Board of Directors

Savings Rates

Effective January 23, 2019

Rate Type Dividend Rate APY*
Share Savings 0.25% 0.25%
Special Savings 0.25% 0.25%
Christmas Club 0.25% 0.25%

 

Loans

Effective Date: April 1, 2019

Auto Loans - New

Terms (in months) Fixed APR**
0 - 24 03.50% - 11.75%
25 - 36 03.75% - 12.00%
37 - 48 04.00% - 12.25%
49 - 60 04.25% - 12.50%
61 - 72 04.50% - 12.75%

Auto Loans - Used

Model Year Terms
(in months)
Fixed APR**
2007 or Newer 0 - 24 04.25% - 12.50%
  25 - 36 04.50% - 12.75%
2012 or Newer 37 - 48 04.75% - 13.00%
2014 or Newer 49 - 60 05.00% - 13.25%
2016 or Newer (/ln > $20k) 61 - 72 05.25% - 13.50%

Motorcycle, Boat, and Recreational Vehicle(RV) - New

Terms in months) Fixed APR**
0 - 24 04.25% - 12.50%
25 - 36 04.50% - 12.75%
37 - 48 04.75% - 13.00%
49 - 60 05.00% - 13.25%
61 - 72 05.25% - 13.00%

Motorcycle, Boat, and Recreational Vehicle(RV) - Used

Model Year Terms
(in months)
Fixed APR**
2007 or Newer 0 - 24 05.00% - 13.25%
  25 - 36 05.25% - 13.50%
2012 or Newer 37 - 48 05.50% - 13.75%
2014 or Newer 49 - 60 05.75% - 14.00%
2016 or Newer (/ln > $20k) 61 - 72 06.00% - 14.25%

Utility, Personal Watercraft, Equipment, and UTV - New

Terms (in months) Fixed APR**
0 - 24 04.75% - 13.00%
25 - 36 05.00% - 13.25%
37 - 48 05.25% - 13.50%
49 - 60 05.50% - 13.75%

Utility, Personal Watercraft, Equipment, and UTV - Used

Model Year Terms
(in months)
Fixed APR**
2007 or Newer 0 - 24 05.50% - 13.75%
  25 - 36 05.75% - 14.00%
2012 or Newer 37 - 48 06.00% - 14.25%
2014 or Newer 49 - 60 06.25% - 14.50%

Signature Loans

Term in Months Fixed APR** Amount
Up to 36 15.00% Up to $3,000.00

Share Secured Loans

Term in Months Fixed APR**
36 - 48 3.00%
60+ 3.50%

Actual rates are subject to membership eligibility and creditworthiness. Rates are subject to change without notice. Please contact the credit union for current loan rates and loan details. Lowest qualified rate includes a deduction to rate with any two (2) of the following services with BNCCU: automatic payments thru BNSF payroll deduction, an account at BNCCU or outside FI, having previous loans paid off with BNCCU (with no delinquency over 30 days), LTV less than 80%, checking account with direct deposit in good standing or E-Statements with BNCCU.

 

 * - APY = Annual Percentage Yield
** - APR = Annual Percentage Rate. Rates are subject to applicant credit. Rates are subject to change. Actual Rates my vary.

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