| Current Savings Rates | Savings rates effective as of 9/28/2023 |
| Savings Type | Minimum Balance | APR* |
| Primary Shares^^ | $5.00 | 0.15% |
| Share Draft^^ | $5.00 | 0.00% |
| Holiday Shares | n/a | 0.10% |
| Vacation Shares | n/a | 0.10% |
| Escrow | n/a | 0.10% |
| IRA Shares | n/a | 0.25% |
| Money Market Tiered Account | $500.00 – $9,999.99 | 0.50% |
| Money Market Tiered Account | $10,000.00 – $49,999.99 | 0.60% |
| Money Market Tiered Account | $50,000.00 & Over | 0.75% |
Dividends are paid monthly on the average daily balance.
^^ Minimum average monthly balance of $50.00 required to earn dividends.
*Annual Percentage Rate. Rates subject to change without notice.
| Current Certificate Rates | Certificate rates effective as of 12/28/2024 |
| Savings Type | Term | APR^ | APY^^ |
| Regular & IRA* | 6 Month | 3.00% | 3.04% |
| Regular & IRA* | 9 Month | N/A | N/A |
| Regular & IRA* | 12 Month | 3.93% | 4.00% |
| Regular & IRA* | 18 Month | 1.60% | 1.61% |
| Regular & IRA* | 24 Month | 1.70% | 1.71% |
| Regular & IRA* | 36 Month | 1.80% | 1.81% |
| Regular & IRA* | 48 Month | 1.90% | 1.92% |
| Regular & IRA* | 60 Month | 2.00% | 2.02% |
*Minimum deposit for Regular Certificates = $500. Minimum deposit for IRA Certificates is = $1,000.
Additional rate increases may be available on certificates through our Member Loyalty Program. Rates subject to change without notice. Contact us for details.
^Annual Percentage Rate
^^Annual Percentage Yield
| Vehicle Loan Rates | Loan rates effective as of 11/8/2024 |
| Terms | Rate |
| Up to 36 Months | as low as 5.24% |
| 60 Months | as low as 5.74% |
| 72 Months | as low as 6.49% |
| 84 Months | as low as 7.24% |
| 120* Months | as low as 8.24% (recreation vehicles only) |
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.
*120 month term for recreational vehicles only. Some restrictions may apply. Rates subject to change without notice.
| Share and Certificate Secured Loan Rates |
| 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. Rates subject to change without notice. Contact Blue Chip FCU for details.
| Closed End Home Equity Loan – 60-180 Month Terms | ||
| 80% LTV | as low as 5.24% |
Additional discounts may apply. Contact Blue Chip FCU for details. D and E paper will be considered for approval on an individual basis by the CEO, VP and/or the Executive Committee. Rates subject to change without notice.
| LOC Home Equity | ||
| 80% LTV | as low as 7.50% |
HELOCs are not subject to additional discounts. These rates are based on the Prime Rate, and therefore are changed when the Prime Rate changes. Rates subject to change without notice. Please contact us for more information.
| 5-Year Balloon Equity w/15 Year Amortization | ||
| 80% LTV | as low as 5.24% |
Additional discounts may be available. Contact Blue Chip FCU for details. D and E paper will be considered for approval on an individual basis by the CEO, VP and/or the Executive Committee.
| Personal Line of Credit |
| as low as 9.74% | ||
Additional discounts may apply. Contact Blue Chip FCU for details. Rates subject to change without notice.
| VISA® Classic Card |
| Introductory Rate | After that |
| 2.99% | as low as 8.99% |
| Installment Loan |
| as low as 8.74% | ||
Additional discounts may apply. Rates subject to change. Contact Blue Chip FCU for details.
| First Mortgages |
| Daily Rates | ||
Powered by First Heritage Mortgage Services. All loans are subject to credit qualification, credit worthiness and other factors. Contact the credit union for complete rate information.