 |
Current Loan Rates
Rates Effective as of
July 20, 2010- LOAN BY PHONE 1-866-564-2931
Please Note- Rates shown below, with the exception of our PLOC, HELOC, Credit Card and Share Secured Loan, include a 1.00% reduction for automatic payments.
CLICK
HERE FOR UNIT COSTS FOR BELOW LISTED LOANS
| TYPE
OF LOAN |
MAXIMUM
LOAN AMOUNT |
COLLATERAL |
APR* |
TERM |
| HOME
EQUITY** |
$5,000.00 Min.
Max. for 1st Lien $417,000.00
|
NO APPLICATION FEES
( Primary Residence)
|
3.24%
|
01-60 Mo.
|
4.24%
|
61-120 Mo.
|
5.49%
|
121-180 Mo.
|
Max. for 2nd Lien $208,500.00 Max. Total combined Liens with BHCU not to exceed $550,000.00
|
5.74%
|
181-240 Mo.
|
| Home Equity
Line of Credit |
NO APPLICATION FEES. Maximum A.P.R. (Annual Percentage Rate) that may be imposed on this account is 15.00%, Rate is based on Prime Rate and adjusted quarterly, Current rate is 3.75% A.P.R. (Annual Percentage Rate)
|
| |
| NEW
AUTOMOBILE, TRUCK, & MOTORCYCLE |
100% Financing
|
Title/Good
Credit Rating
|
3.49%
|
01-36 Mo
|
3.99%
|
37-48 Mo.
|
4.99%
|
49-60 Mo.
|
|
6.24%
|
61-72 Mo.
|
6.74%
|
73-84 Mo.
|
7.50%
|
85-96 Mo.
|
| |
USED
AUTOMOBILE, TRUCK , & MOTORCYCLE
|
100% Financing on vehicles up to 5 years old (2010-2006). 80% Financing on vehicles more than 5 years old (2005-2001).
|
Title/Good
Credit Rating
|
4.49%
|
01-36 Mo.
|
4.99%
|
37-48 Mo.
|
5.99%
|
49-60 Mo.
|
7.24%
|
61-72 Mo.
|
-
|
|
| |
TITLE
LOANS
|
100% of NADA "loan value"
|
Clear Title/Good Credit Rating
|
2.00% above current used rates
|
01-60 Months
|
|
|
-
|
-
|
| |
| Collectable
Vehicles |
80% Financing/$50,000. Max
|
Title/Good
Credit Rating
|
6.99%
|
1-36 mos
|
7.49%
|
37-60mos
|
| |
| NEW BOATS,
MOBILE HOME, TRAILER, CAMPER |
$100,000.00 90% LTV
|
Title / Good Credit
|
6.49%
|
01-120 Months
|
| USED |
$100,000.00 80% LTV
|
Title / Good Credit
|
7.49%
|
01-120 Months
|
|
|
| COMPUTER |
Maximum $4,000.00
|
Good Credit
|
6.50%
|
24 Months
|
| EDUCATION |
Maximum $5,000.00
|
Good Credit
|
5.99%
|
24 Months
|
| |
| PERSONAL |
$35,000 Maximum
|
Good Credit Rating
|
6.74%
|
up to 12 Mo.
|
7.24%
|
13 to 24 Mo.
|
7.74%
|
25 to 36 Mo.
|
8.24%
|
37 to 48 Mo.
|
8.74%
|
49 to 60 Mo.
|
9.49%
|
61 to 72 Mo.
|
10.24%
|
73 to 84 Mo.
|
10.99%
|
85 to 96 Mo.
|
11.74%
|
97 to 108 Mo.
|
12.49%
|
109 to 120 Mo.
|
| Personal Line Of Credit |
$35,000.00 Maximum
|
Good Credit Rating
|
13.99%
|
N/A
|
| |
| SHARES |
$585,000.00
|
Share
|
3.00% Over Current
Quarter Annual
Dividend Rate
|
120 Mo.
|
| |
|
VACATION
|
Maximum $5000.00, if applicable must combine with Holiday & Back to School Loan
|
- |
9.99% for 1 year term
No payment for 60 days
|
| |
Classic VISA
adjusted annually |
$300.00 Minimum - $20,000.00 Maximum
|
- |
Based
on Prime Rate and
5.49% for Purchases, Currently 8.74% APR and Prime Rate plus 7.49% for Cash Advances and Balance Transfers, Currently 10.74% APR
|
Secured Classic
VISA
adjusted annually |
$500.00 Minimum - $9,999.00 Maximum
|
Shares
|
5.49% for Purchases, Currently 8.74% APR and Prime Rate plus 7.49% for Cash Advances and Balance Transfers, Currently 10.74% APR
|
Platinum VISA
adjusted annually |
$10,000.00 Minimum - $35,000.00 Maximum
|
- |
Based
on Prime Rate and
1.49% for Purchases, Currently 4.74% APR, Prime Rate and 3.49% for Cash Advance & Balance Transfers, currently 6.74% APR.
|
| |
Credit Life and Disabiity Insurance coverage is available
at an affordable cost to the borrower. Property must be
located in Pennsylvania, Maryland, Delaware or New Jersey.
Credit life and disability insurance is underwritten by
Life Investors Insurance Company of America (Home Office
– Cedar Rapids, IA). Exclusions, limitations and terms
of availability apply to this coverage. For cost and complete
details, contact your loan officer.
**Refinance Credit Union Home Equity loan minimum is
$5,000.00
and no prepayment for
90
days.
Refinance personal and share loans minimum is
$300.00
Personal, Education and VISA Limits combined total not to
exceed
$35,000.00
.
The Annual Percentage Rate (A.P.R.) is subject to change
on all BHCU Secured, Classic, and Platinum Visa Products.
The annual percentage rate may increase after consummation
(loans which stop direct deposit).
HELOC A.P.R. (Annual Percentage Rate) may vary.
|
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