Rates
All rates are subject to change by the Board of Directors
Savings Rates
Effective January 1, 2023
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: March 8, 2023
Auto Loans - New
Terms (in months) |
Fixed APR** |
24 |
03.49% |
36 |
03.74% |
48 |
03.99% |
60 |
04.49% |
72 (/ln > $20k) |
04.99% |
84 (/ln > $45k) |
05.49% |
Auto Loans - Used 2021 or older
Model Year |
Terms (in months) |
Fixed APR** |
2008 or Newer |
24 |
04.24% |
2008 or Newer |
36 |
04.49% |
2013 or Newer |
48 |
04.74% |
2015 or Newer |
60 |
05.24% |
2016 or Newer (/ln > $20k) |
72 |
05.74% |
2019 or Newer (/ln > $45k) |
72 |
06.24% |
Motorcycle, Boat, and Recreational Vehicle(RV) - New
Terms (in months) |
Fixed APR** |
0 - 24 |
04.49% |
36 |
04.74% |
48 |
04.99% |
60 |
05.49% |
72 (/ln > $20k) |
05.99% |
84 (/ln > $45k) |
06.49% |
Motorcycle, Boat, and Recreational Vehicle(RV) - Used
Model Year |
Terms (in months) |
Fixed APR** |
2008 or Newer |
24 |
05.24% |
2008 or Newer |
36 |
05.49% |
2012 or Newer |
48 |
05.74% |
2014 or Newer |
60 |
06.29% |
2015 or Newer (/ln > $20k) |
72 |
06.74% |
2016 or Newer (/ln > $45k) |
72 |
07.24% |
Utility, Personal Watercraft, Equipment, and UTV - New
Terms (in months) |
Fixed APR** |
24 |
04.99% |
36 |
05.24% |
48 |
05.49% |
60 |
05.99% |
72 |
06.49% |
Utility, Personal Watercraft, Equipment, and UTV - Used
Model Year |
Terms (in months) |
Fixed APR** |
2006 or Newer |
24 |
05.74% |
2008 or Newer |
36 |
05.99% |
2013 or Newer |
48 |
06.24% |
2015 or Newer |
60 |
06.74% |
2016 or Newer (/ln > $20k) |
72 |
07.24% |
Signature Loans
Term in Months |
Fixed APR** |
Amount |
<=12 |
starting at 12.00% |
Up to $1,500.00 |
13 to 24 |
starting at 12.00% |
Up to $2,500.00 |
25 to 36 |
10.00% to 18.00% |
> $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.