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Rates

All rates are subject to change by the Board of Directors

Savings Rates

Effective October 18, 2023

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

 

Certificate of Deposit

Terms (in months) Proposed Rate APY* Minimum Balance
11 4.25% 4.32% $25,000
12 4.00% 4.06% $2,000
18 3.75% 3.80% $2,000
24 3.50% 3.55% $2,000
36 3.00% 3.03% $2,000
48 2.85% 2.88% $2,000
60 2.50% 2.52% $2,000
Youth 12 mths 4.00% 4.06% $500

 

Loans

Effective Date: August 16, 2023

Auto Loans - New (2022 or Newer)

Terms (in months) Fixed APR**
24 04.74%
36 04.99%
48 05.24%
60 05.74%
72 (/ln > $20k) 06.24%
84 (/ln > $45k) 06.99%

Auto Loans - Used 2021 or older Max age 14 years

Model Year Terms
(in months)
Fixed APR**
2008 or Newer 24 05.49%
2008 or Newer 36 05.74%
2013 or Newer 48 05.99%
2015 or Newer 60 06.49%
2016 or Newer (/ln > $20k) 72 06.99%
2019 or Newer (/ln > $45k) 84 07.74%

Motorcycle, Boat, and Recreational Vehicle(RV) - New (2022 or Newer)

Terms (in months) Fixed APR**
0 - 24 05.74%
36 05.99%
48 06.24%
60 06.74%
72 (/ln > $20k) 07.24%
84 (/ln > $45k) 07.99%

Motorcycle, Boat, and Recreational Vehicle(RV) - Used (2021 or older max age 16 years)

Model Year Terms
(in months)
Fixed APR**
2006 or Newer 24 06.49%
2008 or Newer 36 06.74%
2012 or Newer 48 06.99%
2014 or Newer 60 07.49%
2015 or Newer (/ln > $20k) 72 07.99%
2016 or Newer (/ln > $45k) 84 08.74%

Utility, Personal Watercraft, Equipment, and UTV - New (2022 or Newer)

Terms (in months) Fixed APR**
24 06.24%
36 05.99%
48 06.24%
60 06.24%
72 07.74%

Utility, Personal Watercraft, Equipment, and UTV - Used (2021 or older max age 16 years)

Model Year Terms
(in months)
Fixed APR**
2006 or Newer 24 06.99%
2008 or Newer 36 07.24%
2013 or Newer 48 07.49%
2015 or Newer 60 07.99%
2016 or Newer (/ln > $20k) 72 08.49%

Signature Loans

Term in Months Fixed APR** Amount
<=12 starting at 14.00% Up to $1,500.00
13 to 24 starting at 14.00% Up to $2,500.00
25 to 36 starting at 14.00% > $3,000.00

Share Secured Loans

Term in Months Fixed APR**
36 - 48 3.00%
60 3.50%
   
Bench Rate 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.

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