Lending Rates | Blue Flame Credit Union

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From small personal loans to large vehicle loans, our rates are always low and competitive so you can afford to borrow what you need.

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New Cars & Motorcycles

Term	as low as APR*	Min. Amount**
48 months	4.49%	$7,501+
60 months	5.49%	$10,001+
72 months	6.49%	$20,001+
84 months	7.49%	$30,001+

Effective Feb 13, 2023
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. **Finance amount based on individual credit. Shorter terms available with lower minimum finance amount.

Used Cars & Motorcycles

Term	as low as APR*	Amount**
48 months	5.99%	$7,501+
60 months	6.99%	$10,001+
72 months	7.99%	$20,001+
84 months	8.99%	$30,001+

Effective Feb 13, 2023
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.

Private Party Used Cars & Motorcycles

Term	as low as APR*	Amount**
36 months	5.99%	$5,001+
72 months	6.99%	$20,001+
84 months	7.99%	$30,001+

Effective Jan 4, 2023
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.

New 3/4 & 1-Ton Pickup Trucks

Term	as low as APR*	Min. Amount**
96 months	5.49%	$60,001+
108 months	6.49%	$70,001+
120 months	7.49%	$80,001+

Effective Feb 13, 2023
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit and terms of loan. **Finance amount based on individual credit. Minimum required finance amount must exceed amount listed. Shorter terms available with lower minimum finance amount.

Used 3/4 & 1-Ton Pickup Trucks

Term	APR*	Min. Amount**
96 months	6.99%	$60,001+
108 months	7.99%	$70,001+
120 Months	8.99%	$80,001+

Effective Feb 13, 2023
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Minimum required finance amount must exceed amount listed. Vehicles older than 10 model years are financed up to 90% LTV. Shorter terms available with lower minimum finance amount.

New RVs & Boats

Term	as low as APR*	Min. Amount**
48 months	5.49%	$5,001+
60 months	6.49%	$10,001+
72 months	7.49%	$20,001+
84 months	8.49%	$30,001+
96 months	9.49%	$40,001+
120 months	10.49%	$60,001+

Used RVs & Boats

Term	as low as APR*	Min. Amount**
48 months	6.99%	$5,001+
60 months	7.99%	$10,001+
72 months	8.99%	$20,001+
84 months	9.99%	$30,001+
96 months	10.99%	$40,001+
120 months	11.99%	$60,001+

Effective Feb 13, 2023
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Recreational vehicles older than 10 model years are financed up to 90% LTV. Shorter terms with lower minimum finance amount available.

New Powersport, ATV, UTV & Dirt Bikes

Term	as low as APR*	Min. Amount**
48 months	5.49%	$5,001+
60 months	6.49%	$10,001+
72 months	7.49%	$20,001+
84 months	8.49%	$30,001+

Used Powersport, ATV, UTV & Dirt Bikes

Term	as low as APR*	Min. Amount**
48 months	6.99%	$5,001+
60 months	7.99%	$10,001+
72 months	8.99%	$20,001+
84 months	9.99%	$30,001+

Effective Feb 13, 2023
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Recreational vehicles older than 10 model years are financed up to 90% LTV. Shorter terms with lower minimum finance amount available.

New Farm Equipment & Trailers (Special Secured)

Term	as low as APR*	Min. Amount**
48 months	5.49%	$5,001+
60 months	6.49%	$7,501+
72 months	7.49%	$20,001+
84 months	8.49%	$30,001+

Used Farm Equipment (Special Secured)

Term	as low as APR*	Min. Amount
48 months	6.99%	$5,001+
60 months	7.99%	$7,501+
72 months	8.99%	$20,001+
84 months	9.99%	$30,001+

Natural Gas & Electric Vehicles

Term	as low as APR*	Min. Amount**
New 84 months	4.49%	Any
Used 84 months	5.99%	Any

Effective Feb 13, 2023
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle and terms of loan. **Finance amount based on individual credit. Minimum required finance amount must exceed amount listed. Vehicles older than 10 model years are financed up to 90% LTV.

Home Filling Station / EPA Qualified Conversion System

Term	as low as APR*	Min. Amount**
New 60 months	5.49%	$30,001+
Used 60 months	6.99%	$30,001+

Effective Feb 13, 2023
*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit, age of vehicle, terms of loan. **Finance amount based on individual credit. Shorter terms for lower minimum finance amount available.

Mastercard

Account Feature	Term
Purchase APR*	9.90%
Cash Advance APR*	9.90%
Annual Fee	None
Late Payment Fee	$15
Credit Card Replacement Fee	$10
Credit Card Rush Delivery	At Cost
Over the Credit Limit Fee	$10
Delinquent Account APR*	15.99%
Grace Period	25 Days

Effective Aug 19, 2022
*APR = Annual Percentage Rate. Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.

Personal Lending

Personal Loans & Lines of Credit	as low as APR*	Max Term**
Personal Loan	9.99%	Based on Balance
Overdraft Line of Credit	9.99%	Based on Balance
Line of Credit	9.99%	Based on Balance

Effective Aug 19, 2022

*APR = Annual Percentage Rate. Rates listed are as low as. Actual rate based on individual credit. **Maximum term and monthly payment based upon balance owed.

Special Purpose Loans

Loan Purpose	APR*	Max Term
Holiday†	15.99%	12 months
Vacation†	15.99%	12 months
Disaster Recovery†	5.99%	12 months

Effective Aug 19, 2022
*APR = Annual Percentage Rate. †Loan amount based on individual credit. Holiday loans available October 1 – January 31. Vacation loans available May 1 – August 31. Disaster Recovery loan max $3,000.

Secured Loans

Secured Loans†	APR*	Max Term
Savings Secured	Share Rate + 3.00%	84 months
Certificate Secured	Certificate Rate + 3.00%	36 months

Effective Dec 1, 2021
*APR = Annual Percentage Rate. †Loan amount based on savings or certificate balance.

Home Equity

Home Equity Line of Credit	as low as Variable APR*	Term
Up to 80% Home Value	8.00%	180 months

Effective Feb 3, 2023
*APR = Annual Percentage Rate. Rates listed are as low as and based on applicant’s credit history. Variable rate based on Prime Rate.