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Loan Rates 

Last updated January 27, 2016

 

 

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Rates shown are with discount; real estate loans not eligible for discount.   

 

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All Auto Loans
Effective Date: As of October 29, 2015
TypeRateTermAmount

Brand New (Untitled) Vehicles

     
  4.70% 84 Months $35,000.00 and Over
  3.70% 72 Months $20,000.00 and Over
  3.50% 60 Months  
  3.25% 48 Months  

2012 - 2016

     
  4.70% 84 Months $35,000.00 and Over
  3.70% 72 Months $20,000.00 and Over
  3.50% 60 Months  
  3.25% 48 Months  

2007 - 2011

     
  4.50% 60 Months  
  4.25% 48 Months  
  4.00% 36 Months  

2006 & Older

     
  5.25% 48 Months  
  5.00% 36 Months  

Motor Homes, Travel Trailers, Campers, Boats
Effective Date: As of October 29, 2015
YearAmountRateTerm
2011-2016      
  Up to $5,000 3.75% 48 Months
  $5,000 to $10,000 4.00% 60 Months
  $10,000 and over 4.25% 120 Months/3 yr balloon
2010 and Older      
  Up to $5,000 4.00% 48 Months
  $5,000 to $10,000 4.25% 60 Months
  $10,000 and over 4.50% 120 Months/3 yr balloon

Other Vehicles
Effective Date: As of October 29, 2015
Recreational Vehicles, ATV's, Side by Sides, Motorcycles, Golf Carts, Snowmobiles, Jet Skis, Riding Mowers/Tractors
YearRateTermAmount
2016 - 2011      
  4.50% 60 Months $10,000.00 and Over
  4.25% 48 Months  
2010 and Older      
  5.25% 48 Months  

Large Equipment
Effective Date: As of October 29, 2015
TypeRateTerm
New 4.75% 60 Months
Used 5.25% 48 Months

Unsecured
Effective Date: As of October 29, 2015
AmountRateTerm
$7,500.00 Max 9.00% 36 Months
  10.00%

48 Months

  11.00%

60 Months
$5,000.00 And Over

Notes
Effective Date: As of October 29, 2015
Notes must be paid off within 90 days; otherwise, they may be subject to Note Refinance rates below. Unsecured maximum is $7,500.
NameRateTerm
Note 15.00% 90 Days
Note Refinance 15.00% 36 Months Maximum

Share Pledge
Effective Date: As of October 29, 2015
RateTerm
3.00% Up to 60 Months
36 Month Balloon

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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