Related Links

Loan Rates 

Last updated July 6, 2015

 

          Set your secured loan up on automatic payments
and receive 0.25% off your rate.
 
 
Rates shown are with discount; real estate loans not eligible for discount.   

 

GAP INSURANCE AVAILABLE!
Click here for more details!

Auto, Motor Homes, and (Motorcycles, ATV's, Side by Sides Over $10,000)
Effective Date: As of June 1, 2015
TypeRateTermAmount

Brand New (Untitled) Vehicles

     
  3.50% 72 Months $20,000.00 and over
  3.25% 36-60 Months  

2011 - 2015

     
  3.50% 72 Months $20,000.00 and over
  3.25% 36-60 Months  

2006 - 2010

     
  4.00% 36-60 Months  

2005 & Older

     
  5.00% 48 Months $12,000 and Over
  5.00% 36 Months  

Travel Trailers, Campers, Boats
Effective Date: As of June 1, 2015
YearAmountRateTerm
2010-2015      
  Up to $5,000 3.75% 48 Months
  $5,000 to $10,000 3.75% 60 Months
  $10,000 and over 3.75% 120 Months/3 yr balloon
2008 - 2009      
  Up to $5,000 4.00% 48 Months
  $5,000 to $10,000 4.00% 60 Months
  $10,000 and over 4.00% 120 Months/3 yr balloon
2007 and Older      
  Up to $5,000 4.25% 48 Months
  $5,000 to $10,000 4.25% 60 Months
  $10,000 and over 4.25% 120 Months/3 yr balloon

Other Vehicles
Effective Date: As of June 1, 2015
Recreational vehicles, 4 wheelers, motorcycles, golf carts, snowmobiles, jet skis, riding mowers/tractors *If financing more than $10,000.00 refer to the Auto Rates listing.
YearRateTerm
2015 - 2010    
  4.00% 36-48 Months
2009 and Older    
  5.00% 48 Months
Motorcycles & ATVs over $10,000: Please Refer to Auto Rates Above    

Miscellaneous Secured
Effective Date: As of June 1, 2015
TypeRateTerm
New 5.00% 36-48 Months
Used 6.00% 48 Months

Unsecured
Effective Date: As of June 1, 2015
AmountRateTerm
$7,500.00 Max 8.00% 36 Months
  9.00%

48 Months
$5,000.00 And Over

  11.00%

60 Months
$5,000.00 And Over

  15.00% 30-60-90 Days

Share Pledge
Effective Date: As of July 29, 2014
RateTerm
2.00% 36 Month Balloon

Credit Cards - Platinum
Earn Rewards!
Rate

12.90% APR Click here for Cardholder Agreement, Disclosures, and Rate Information.

Fixed Rate Home Equity
Effective Date: July 16, 2015
The information below assumes a loan amount of $50,000 and no discount points paid. Baraga County Federal Credit Union will loan up to 80% of the home value minus applicable first mortgages. Assumptions also include the borrower is the existing owner with no changes in title required & the property is the primary residence. The home is a Single Family Detached located in Baraga, Houghton, Ontonagon, or Marquette County, Michigan. There is no escrow for taxes and insurance; your housing obligation may be higher. Rate lock period is 45 days. All loans require credit approval.
TermRateAPR
60 Months 4.50% 4.597%
84 Months 4.75% 4.821%
120 Months 4.95% 5.001%

Fees may apply.
Call us at (906) 524-6151 or email us at mortgages@baragafcu.com today!

*Rates and terms are subject to change without notice. All loan applications are subject to credit approval with parameters as stated in the loan policies.
*All loan rates are Annual Percentage Rates (APR).

Equal Housing LenderNational Credit Union Administration
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act