Current Loan Rates

Rates Effective as of July 1, 2008 - 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**
$949,000.00
$5,000.00 Min.
$299.00 Application Fee Required
(2nd Mortgage)
5.49%
01-60 Mo.
5.99%
61-120 Mo.
6.49%
121-180 Mo.
6.99%
181-240 Mo.
Home Equity Line of Credit
ADJUSTED QUARTERLY, contact Credit Union for more details
 
NEW AUTOMOBILE, TRUCK, & MOTORCYCLE
100% Financing
Title/Good
Credit Rating
4.99%
01-36 Mo
5.25%
37-48 Mo.
5.99%
49-60 Mo.
6.49%
61-72 Mo.
6.99%
73-84 Mo.
7.75%
85-96 Mo.
 

USED AUTOMOBILE, TRUCK , & MOTORCYCLE

100% Financing on vehicles up to 5 years old. 80% Financing on vehicles more than 5 years old
Title/Good
Credit Rating
5.99%
01-36 Mo.
6.49%
37-48 Mo.
6.99%
49-60 Mo.
7.49%
61-72 Mo.
-
 

TITLE LOANS

100% of NADA "loan value"
Clear Title/Good Credit Rating
2% 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
 
BOATS NEW
$200,000.00 90% LTV
Title / Good Credit
6.49%
01-120 Months
USED
$150,000.00 80% LTV
Title / Good Credit
7.49%
01-120 Months
     
NEW MOBILE HOME, TRAILER, CAMPER
New $200,000.00 90% LTV
Title / Good Credit
8.49%
01-120 Months
USED
Used $100,000.00 80% LTV
Title / Good Credit
9.49%
01-120 Months
 
PERSONAL
$50,000 Maximum
Good Credit Rating
8.49%
up to 24 Mo.
9.49%
25 to 36 Mo.
10.49%
37 to 48 Mo.
11.49%
49 to 60 Mo.
12.49%
61 to 72 Mo.
13.49%
73 to 120 Mo.
Personal Line Of Credit
$50,000.00 Maximum
Good Credit Rating
13.99%
N/A
 
SHARES
$949,000.00
Share
3% Over Last
Quarter Annual
Dividend Rate
120 Mo.
 
VACATION LOAN
Maximum $4000.00, if applicable combine with Holiday & Back to School Loan
-
14.99% 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
4.24% for Purchases, Currently 11.99% and 6.24% for Cash Advances and Balance Transfers, Currently 13.99%
Secured Classic VISA
adjusted annually
$500.00 Minimum - $9,999.00 Maximum
Shares
11.90%
Platinum VISA
adjusted annually
$10,000.00 Minimum - $50,000.00 Maximum
-
Based on Prime Rate and
.24% for Purchases, Currently 7.99%, Prime Rate and 2.24% for Cash Advance & Balance Transfers, currently 9.99%
   

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 $50,000.00 .

The Annual Percentage Rate (A.P.R.) is subject to change on all BHCU Secured, Classic, and Platinum Visa Products.