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  1. Home
  2. Lending
  3. Lending Rates
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Related Information
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Lending Rates

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

New/Used Cars & Motorcycles
Term as low as APR* Min. Amount**
36 months 1.99% $5,000+
48 months 1.99% $7,500+
60 months 1.99% $10,000+
72 months 2.99% $20,000+
84 months 3.99% $30,000+
Effective Apr 1, 2022
*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/Used 3/4 & 1-Ton Pickup Trucks
Term as low as APR* Min. Amount**
60 months 1.99% $10,000+
72 Months 2.99% $20,000+
84 months 3.99% $30,000+
96 months 4.99% $50,000+
108 months 5.99% $60,000+
120 months 6.99% $70,000+
Effective Apr 1, 2022
*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
60 months 2.99% $10,000+
72 months 3.99% $30,000+
120 months 4.99% $50,000+
180 months 5.99% $70,000+
Effective Apr 1, 2022
*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. Shorter terms with lower minimum finance amount available. 

Used RVs & Boats
Term as low as APR* Min. Amount
60 months 3.99% $10,000+
72 months 4.99% $30,000+
120 months 5.99% $50,000+
180 months 6.99% $70,000+
Effective Apr 1, 2022
*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**
36 months 2.99% None
48 months 2.99% $5,000+
60 months 2.99% $10,000+
72 months 3.99% $20,000+
120 months 4.99% $30,000+
Effective Apr 1, 2022
*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. Shorter terms with lower minimum finance amount available. 

Used Powersport, ATV, UTV & Dirt Bikes
Term as low as APR* Min. Amount**
36 months 3.99% None
48 months 3.99% $5,000+
60 months 3.99% $10,000+
72 months 4.99% $20,000+
120 months 5.99% $30,000+
Effective Apr 1, 2022
*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/Used Farm Equipment & Trailers (Special Secured)
Term as low as APR* Min. Amount**
36 months 4.99% None
48 months 4.99% $5,000+
60 months 4.99% $10,000+
72 months 4.99% $15,000+
84 months 5.99% $20,000+
120 months 6.99% $30,000+
Effective Apr 1, 2022
*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. Shorter terms with lower minimum finance amount available.

New/Used Natural Gas & Electric Vehicles
Term as low as APR* Min. Amount**
72 months 1.99% $20,000+
84 months 2.99% $30,000+
Effective Dec 1, 2021
*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**
60 months 1.99% $7,500+
72 months 3.99% $10,000+
84 months 4.99% $20,000+
120 months 5.99% $30,000+
Effective Dec 1, 2021
*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* 15.00%
Grace Period 25 Days
Effective Dec 1, 2021
*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% 84 months
Overdraft Line of Credit 9.99% Revolving**
Line of Credit 9.99% Revolving**
Effective Apr 1, 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† 15.00% 12 months
Vacation† 15.00% 12 months
Disaster Recovery† 5.99% 12 months
Effective Dec 1, 2021
*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 5.50% 180 months
Effective Aug 3, 2022
*APR = Annual Percentage Rate. Rates listed are as low as and based on applicant’s credit history. Variable rate based on Prime Rate. 


  • Buying a Car
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    Academic Scholarships
    BFCU 2022-23 Scholarships through Carolina's Credit Union Foundation are now open!
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    Unbeatable Auto Loans
    Have a high interest RV/Auto loan? Score with BFCU and go for a discount.
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  • Father and Son
    Home Equity Line of Credit
    Need some extra money? See how our Home Equity Line of Credit Loan can help you!
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    Young Member Accounts
    It's never too early to start saving! Help your child start their financial future today!
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    FREE Checking Accounts
    What's better than FREE Checking Accounts? Nothing! Apply and get yours today.
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  • Family RV
    Adventure Awaits
    Recreational vehicle loans with rates as low as NEW 2.99 APR* | USED 3.99 APR*
    Learn More
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    Charlotte, NC 28217
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    Charlotte, NC 28220
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  • Routing #253074951
    BFCU NMLS #410635
    Member First Mortgage NMLS #149532
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Helping you, our member, achieve financial success!
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