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Loan Rates 

Last updated December 30, 2014

 

 

          Set your secured loan up on automatic payments
and receive 0.25% off your rate.
 
 
Rates shown are with discount    

Auto, Motor Homes, and (Motorcycles, ATV's, Side by Sides Over $10,000)
Effective Date: As of December 30, 2014
TypeRateTermAmount

Brand New (Untitled) Vehicles

     
  3.25% 72 Months $20,000.00 and over
  3.00% 36-60 Months  

2011 - 2015

     
  3.25% 72 Months $20,000.00 and over
  3.00% 36-60 Months  

2006 - 2010

     
  3.75% 36-60 Months  

2005 & Older

     
  4.75% 48 Months $12,000 and Over
  4.75% 36 Months  

Travel Trailers, Campers, Boats
Effective Date: As of December 30, 2014
YearAmountRateTerm
2010-2015      
  Up to $5,000 3.50% 48 Months
  $5,000 to $10,000 3.50% 60 Months
  $10,000 and over 3.50% 120 Months/3 yr balloon
2008 - 2009      
  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
2007 and Older      
  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

Other Vehicles
Effective Date: As of December 30, 2014
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    
  3.75% 36-48 Months
2009 and Older    
  4.75% 48 Months
Motorcycles & ATVs over $10,000: Please Refer to Auto Rates Above    

Miscellaneous Secured
Effective Date: As of July 29, 2014
TypeRateTerm
New 4.75% 36-48 Months
Used 5.75% 48 Months

Unsecured
Effective Date: As of July 22, 2013
AmountRateTerm
$7,500.00 Max 7.00% 42 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
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Rate

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

Fixed Rate Home Equity
Effective Date: January 14, 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. Rate lock period is 45 days. All loans require credit approval.
TermRateAPR
60 Months 3.25% 3.939%
84 Months 3.45% 3.951%
120 Months 3.65% 4.010%

Fees may apply.
Call us at (906) 524-6151 or email us at mortgagesbcfcu@up.net 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