Rates
All rates are subject to change by the Board of Directors
Savings Rates
Effective September 21, 2020
Rate Type |
Dividend Rate |
APY* |
Share Savings |
0.125% |
0.125% |
Special Savings |
0.125% |
0.125% |
Christmas Club |
0.125% |
0.125% |
Loans
Effective Date: September 20, 2020
Auto Loans - New
Terms (in months) |
Fixed APR** |
0 - 24 |
02.24% - 10.49% |
25 - 36 |
02.49% - 10.74% |
37 - 48 |
02.74% - 10.99% |
49 - 60 |
02.99% - 11.24% |
61 - 72 |
03.24% - 11.49% |
Auto Loans - Used
Model Year |
Terms (in months) |
Fixed APR** |
2007 or Newer |
0 - 24 |
02.99% - 11.24% |
2007 or Newer |
25 - 36 |
03.24% - 11.49% |
2012 or Newer |
37 - 48 |
03.49% - 11.74% |
2014 or Newer |
49 - 60 |
03.74% - 11.99% |
2016 or Newer (/ln > $20k) |
61 - 72 |
03.99% - 12.24% |
Motorcycle, Boat, and Recreational Vehicle(RV) - New
Terms in months) |
Fixed APR** |
0 - 24 |
02.99% - 11.24% |
25 - 36 |
03.24% - 11.49% |
37 - 48 |
03.49% - 11.74% |
49 - 60 |
03.74% - 11.99% |
61 - 72 |
03.99% - 12.24% |
Motorcycle, Boat, and Recreational Vehicle(RV) - Used
Model Year |
Terms (in months) |
Fixed APR** |
2007 or Newer |
0 - 24 |
03.74% - 11.99% |
2007 or Newer |
25 - 36 |
03.99% - 12.24% |
2012 or Newer |
37 - 48 |
04.24% - 12.49% |
2014 or Newer |
49 - 60 |
04.49% - 12.74% |
2016 or Newer (/ln > $20k) |
61 - 72 |
04.74% - 12.99% |
Utility, Personal Watercraft, Equipment, and UTV - New
Terms (in months) |
Fixed APR** |
0 - 24 |
03.74% - 11.99% |
25 - 36 |
03.99% - 12.24% |
37 - 48 |
04.24% - 12.49% |
49 - 60 |
04.49% - 12.74% |
Utility, Personal Watercraft, Equipment, and UTV - Used
Model Year |
Terms (in months) |
Fixed APR** |
2007 or Newer |
0 - 24 |
04.49% - 12.74% |
|
25 - 36 |
04.74% - 12.99% |
2012 or Newer |
37 - 48 |
04.99% - 13.24% |
2014 or Newer |
49 - 60 |
05.24% - 13.49% |
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 (Maximum deduction of 0.50%).
* - APY = Annual Percentage Yield
** - APR = Annual Percentage Rate. Rates are subject to applicant credit. Rates are subject to change. Actual Rates my vary.