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Loan Rates & Fees

PERSONAL LOANS

Type Terms APR*
Line of Credit 48 Months 9.00 – 13.50%
MasterCard 0 7.50 – 16.50%
Second Chance 6 Months 17.50%
Signature up to 60 months* 7.00 – 17.50%
Share Secured -  up to $10,000 60 Months Share + 3%
Share Secured - $10,001 and up 60 Months Share + 2%
Term Share Secured - up to $10,0000 60 Months Term + 3%
Term Share Secured - $10,001 and up 60 Months Term + 2%
Summer Loans 12 months 4.50% - 15.00%

* The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria. See our MasterCard Credit Card Agreement and MasterCard Application and Solicititation Disclosure forms. You may apply for a loan with our online loan application/request  here or you are welcome to come by one of our locations.

REAL ESTATE LOANS

BVSCU is an Equal Credit Opportunity Lender

Equal Housing Logo 1

Type Loan to Value Terms Interest Rate* Starting At: APR*
Purchase/Refinance
Purchase/Refinance 90% 10-30 3.50% 3.724%
Purchase/Refinance 95% 10-30 3.75% 3.977%
Purchase Plus Improvement
Purchase Plus Improvement 90% 10-30 4.25% 4.484%
Purchase Plus Improvement 95% 10-30 4.50% 4.737%
Land Loan
Land Loan < 25 Acres 80% 10-15 6.00% 6.341%
Land Loan > 25 Acres 75% 10-15 8.00% 8.354%
Town Homes/Condominium
Town Homes/Condominium 90% 10-25 4.00% 4.329%
Manufactured Homes w/Land
Manufactured Homes w/Land 80% 15-20 7.50% 7.752%
Home Equity
Home Equity 80% 5-20 4.75% 4.976%
Home Equity Line of Credit
Home Equity Line of Credit 50% 20 Years1 6.50% 6.696%
Home Improvement
Home Improvement 90% 5-10 5.75% 5.978%
Construction Loans
Construction Loans 90% up to 18 mths 8.00% 9.53%

1. During a 20 Year Home Equity Line of Credit Loan, the first 5 years you pay interest only. The highest rate for a Home Equity Line of Credit Loan is 10.75%APR (as of 8/01/16). An example of how financing is calculated is: 20 Year HELOC at 6.5% is $74.56 per every $10,000.00 financed. We also offer other products, including refinancing of home mortgages. Please contact the Real Estate Department for more information. * The interest rate and Annual Percentage Rate (APR) you receive for the indicated loan type will be based on various credit-worthiness criteria. All loans are subject to credit approval. You may obtain a real estate loan application at any of our offices, or request one by mail, phone, or email at realestatedept@bvscu.org. You may also download real estate loan applications at Apply for a loan. An example of how financing is calculated is: 30 Year 1st Lien Home Loan at 4.50% is $50.67 per every $10,000.00 financed. BVSCU makes loans without regard to race, color, religion, national origin, sex, handicap or familial status. Below are the names of our Real Estate Team and their NMLS License Holder Numbers. To contact any of them, just click on their name.

VEHICLE LOANS

APR* Type Terms
New Vehicles
1.99% – 16.99% 2017 New Vehicles  24-84 Months
Used Vehicles
1.99% – 16.99% 2010-2016 Used Vehicles  36-72 Months

* The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria. You may apply for a loan with our online loan application/request here or you are welcome to come by one of our locations.

RECREATIONAL VEHICLE LOANS

*The Annual Percentage Rate (APR) you receive for the indicated loan type will be within the range disclosed and is based on various credit-worthiness criteria.You may apply for a loan online with our loan application/request or you are welcome to stop by one of our locations.Maximum Loan to Value is 90% of purchase price or NADA Retail Value.

Type Terms APR*
Boats, Travel Trailers, Campers
Boats, Travel Trailers, Campers – 1 year old & current year 60 Months 3.75 – 5.25%
Boats, Travel Trailers, Campers – 2 years old 54 Months 3.75 – 5.25%
Boats, Travel Trailers, Campers – 3 years old 48 Months 3.75 – 5.25%
Boats, Travel Trailers, Campers – 4 years old 42 Months 3.75 – 5.25%
Boats, Travel Trailers, Campers – 5 years old 36 Months 3.75 – 5.25%
New Motorhomes
New Motorhomes 180 Months 4.50 – 5.25%
Used Motorhomes
Used Motorhomes 180 Months 4.50 – 5.25%
Motorcycles
Motorcycles* 48 Months 9.00 –15.25%
*Special financing on motorcycles for law enforcement officers. Check at any BVSCU office for details.