Rates Center Rates are subject to change at any time

Loans  |  Savings  |  Certificates  |  Calculators
Loans

BCFCU reviews credit history, work history, income and a current credit report when reviewing a loan application. The actual interest rate you receive will reflect your individual circumstances. We will offer you the best possible rate based on your qualifications.

Loan rates effective as of October 8, 2008

Motor and Recreational Vehicle Loans

Terms A+ A B C D E
Up to 60 Months 6.00% 6.50% 8.00% 9.50% 11.00% 12.50%
72 Months 6.25% 6.75% 8.25% 9.75% 11.25% 12.75%
84 Months 7.25% 7.75% 9.25% 10.50% 12.00% 13.75%

Additional discounts may apply. Contact Blue Chip FCU for details. Rate based upon vehicle age, term and credit score,

and may differ from the rates shown above. Vehicles 6 years or older will have a higher interest rate.

*120 - 144 month terms are for loans of $50,000.00 or more, and will be done as 5 year Balloon Loans. Recreational vehicle loans will be 90% LTV or lower, based on credit score.

Share and Certificate Secured Loans

Closed-end Share or Share Certificate loans @ 3% above stated share or certificate dividend rate*

*If using more than 1 certificate, we will use the highest certificate rate.

Additional discounts may apply. Contact Blue Chip FCU for details.

Closed End Home Equity Loan - 60 Month Term

A+ A B C D E
80% LTV 5.50% 6.00% 6.50% 7.50% 8.50% 9.50%
90% LTV 6.25% 6.75% 7.25% 8.25% 9.25% 10.25%
100% LTV 7.00% 7.50% 8.00% 9.00% 10.00% 11.00%

Additional discounts may apply. Contact Blue Chip FCU for details. 120 month and 180 month terms also available.

LOC Home Equity

A+ A B C D E
80% LTV 4.00% 4.00% 5.00% 6.00% 7.00% 8.00%
90% LTV 4.50% 5.00% 6.00% 7.00% n/a n/a

HELOCs are not subject to additional discounts.

These rates are based on the Prime Rate, and therefore are changed when the Prime Rate changes. Please contact us for more information.

5-Year Balloon Equity w/15 Year Amortization

A+ A B C D E
80% LTV 5.50% 6.00% 6.50% 7.50% 8.50% 9.50%
90% LTV 6.25% 6.75% 7.25% 8.25% 9.25% 10.25%
100% LTV 7.00% 7.50% 8.00% 9.00% 10.00% 11.00%

Additional disounts may be available. Contact Blue Chip FCU for datials.

Personal Line of Credit or Installment Loans

A+ A B C D E
8.25% 9.25% 10.75% 12.00% 15.75% 17.00%

Additional discounts may aply. Contact Blue Chip FCU for details.

VISA® Classic Card

10.90% for purchases and cash advances.


Savings

Savings rates effective as of October 1, 2008

Savings Rates

Savings Type Minimum Balance APR
Regular Shares^^ $5.00 1.00%
Vacation Shares n/a .80%
Holiday Shares n/a .80%
Life Insured Shares n/a 0.50%
IRA Shares n/a 2.25%
Money Market Tiered Account Balance below $10,000.00 1.75%
Money Market Tiered Account $10,000.00 - $20,000.00 2.00%
Money Market Tiered Account $20,000.00 + 2.50%
Dividends are paid monthly on the average daily balance.
^^Minimum average monthly balance of $50.00 required to earn dividends.
Certificates

Certificate rates effective as of October 1, 2008

Certificate Rates

Share Certificate Term APR* APY*
Regular & IRA* 6 Month 2.82% 2.85%
Regular & IRA* 9 Month 2.96% 3.00%
Regular & IRA* 12 Month 3.06% 3.10%
Regular & IRA* 18 Month 3.16% 3.20%
Regular & IRA* 24 Month 3.25% 3.30%
Regular & IRA* 36 Month 3.44% 3.50%
Regular & IRA* 48 Month 3.73% 3.80%
Regular & IRA* 60 Month 3.92% 4.00%
Add-to-It** 12 Month 3.06% 3.10%
Add-to-It** 24 Month 3.25% 3.30%
*Minimum deposit for Regular Certificates = $500. Minimum deposit for IRA Certificates is = $1,000.
**Minimum deposit for 12 month Add-To-It = $100. Minimum for 24 month Add-To-It is = $250.
Additional rate increases may be available on certificates through Blue Chip FCU Member Loyalty Program. Contact us for details.