 |
Current Loan Rates
Rates Effective as of
January 20, 2012 LOAN BY PHONE 1-866-564-2931
*Please Note- Our credit union has a tiered loan rate policy which applies different loan rates, terms, and maximum limits to borrowers based upon the borrowers' credit history. Advertised rates apply to borrowers in Tier 1. The loan rate applicable to you may vary from our rates as quoted. All rates are expressed as ANNUAL PERCENTAGE RATES (APR) and include a 1.00% reduction for automatic payments, with the exception of our PLOC, HELOC, Credit Card and Share Secured Loan. Rates, terms and limits are subject to change without notice.
CLICK
HERE FOR UNIT COSTS FOR BELOW LISTED LOANS
| TYPE
OF LOAN |
MAXIMUM
LOAN AMOUNT |
COLLATERAL |
APR* |
TERM |
HOME
EQUITY**
1st Lien Position
80% LTV |
$5,000.00 Min.
Max. for 1st Lien $417,000.00
|
NO APPLICATION FEES
( Primary Residence located in PA, DE, NJ or MD)
|
as low as 3.84%
|
01-60 Mo.
|
as low as 4.59%
|
61-120 Mo.
|
as low as 4.99%
|
121-180 Mo.
|
as low as 4.99%
|
181-240 Mo.
|
HOME
EQUITY**
1st Lien Position
90% LTV |
as low as 4.84%
|
01-60 Mo.
|
as low as 5.59%
|
61-120 Mo.
|
as low as 5.99%
|
121-180 Mo.
|
HOME
EQUITY**
Subordinate Lien Position
80% LTV
|
$5,000.00 Min.
Max. for 2nd Lien $208,000.00 Total combined Liens with BHCU not to exceed $500,000.00 Total of Liens > $249,999.00 are required to have Title Insurance.
|
NO APPLICATION FEES
( Primary Residence located in PA, DE, NJ, or MD)
|
as low as 4.34%
|
01-60 Mo.
|
as low as 5.34%
|
61-120 Mo.
|
as low as 5.74%
|
121-180 Mo.
|
as low as 6.24%
|
181-240 Mo.
|
HOME
EQUITY**
Subordinate Lien Position
90% LTV |
as low as 5.34%
|
01-60 Mo.
|
as low as 6.34%
|
61-120 Mo.
|
as low as 6.74%
|
121-180 Mo.
|
| Home Equity
Line of Credit |
Contact credit union for current information.
|
| |
| NEW
AUTOMOBILE, TRUCK, & MOTORCYCLE |
$2,500.00 minimum - $100,000.00 maximum. Up to 110% of MSRP retail value, which includes taxes & tags, etc.
|
Title/Good
Credit Rating
|
as low as 1.59%
|
01-12 Months
|
as low as 2.09%
|
13-24 Months
|
as low as 2.24%
|
25-36 Months
|
|
as low as 2.44%
|
37-48 Months
|
as low as 2.54%
|
49-60 Months
|
as low as 2.99%
|
61-72 Months
|
as low as 3.24%
|
73-84 Months
|
|
|
|
|
| |
USED
AUTOMOBILE, TRUCK , & MOTORCYCLE
|
$2,500.00 minimum - $100,000.00 maximum. Up to 110% of NADA retail value on vehicles up to 5 years old (2011- 2007), and 80% financing on vehicles more than 5 years old (2006-2002), which includes any add-ons, such as taxes and tags, etc.
|
Title/Good
Credit Rating
|
as low as 1.74%
|
01-12 Months
|
as low as 2.24%
|
13-24 Months
|
as low as 2.54%
|
25-36 Months
|
as low as 2.74%
|
37-48 months
|
as low as 2.84%
|
49-60 Months ">
|
as low as 3.24%
|
61-72 Months
|
| |
| NEW BOATS,
MOBILE HOME, TRAILER, CAMPER |
$2,500.00 minimum - $100,000.00 maximum. 90% of purchase price including taxes and tags, etc.
|
Title / Good Credit
|
as low as 6.34%
|
01-36 Months
|
as low as 7.24%
|
37-120 Months
|
|
|
| USED |
$2,500.00 minimum - $100,000.00 maximum. 80% of NADA average retail price including taxes and tags, etc.
|
Title / Good Credit
|
as low as 7.34%
|
01-36 Months
|
as low as 8.24%
|
37-120 Months
|
|
|
| |
| PERSONAL |
up to $35,000 Maximum (based on your credit worthiness)
|
Good Credit Rating
|
as low as 5.59%
|
up to 12 Mo.
|
as low as 6.09%
|
13 to 24 Mo.
|
as low as 7.14%
|
25 to 36 Mo.
|
as low as 7.64%
|
37 to 48 Mo.
|
as low as 7.89%
|
49 to 60 Mo.
|
as low as 8.14%
|
61 to 72 Mo.
|
as low as 8.39%
|
73 to 84 Mo.
|
as low as 8.89%
|
85 to 96 Mo.
|
as low as 9.14%
|
97 to 108 Mo.
|
as low as 9.64%
|
109 to 120 Mo.
|
| Personal Line Of Credit |
up to $35,000 Maximum (based on your credit worthiness)
|
Good Credit Rating
|
as low as 13.74%
|
N/A
|
| |
| SHARES |
$585,000.00
|
Share
|
3.00% Over Current
Quarter Annual
Dividend Rate
|
120 Mo.
|
| |
|
|
|
- |
|
| |
| VISA Rates Effective as of
January 1, 2012
|
Classic VISA
adjusted annually |
$500.00 Minimum - $20,000.00 Maximum
|
- |
Based
on Prime Rate and
8.49% for Purchases, Currently 11.74% APR and Prime Rate plus 9.24% for Cash Advances and Balance Transfers, Currently 12.49% APR
|
Secured Classic
VISA
adjusted annually |
$250.00 Minimum - $9,999.00 Maximum
|
Shares
|
Based on Prime and 8.49% for Purchases, Currently 11.74% APR and Prime Rate plus 9.24% for Cash Advances and Balance Transfers, Currently 12.49% APR
|
Platinum VISA
adjusted annually |
$500.00 Minimum - $35,000.00 Maximum
|
- |
Based
on Prime Rate and
4.49% for Purchases, Currently 7.74% APR, Prime Rate and 5.24% for Cash Advance & Balance Transfers, currently 8.49% 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.
|
|
