Skip to main content
Due to COVID-19, there will be NO lobby access to our main office & satellite branches until further notice. Please use Shared Branching at Piedmont Advantage Credit Union with Drive-Thru, located on Boyer Street in Charlotte. Thank you for your understanding. Learn More
Blue Flame Credit Union home
Site Search

Login
Virtual Branch Login
Download Our Mobile App
(Mobile Device Registration Required For Use)
Download TouchBanking App from iTunesOpens in New WindowDownload TouchBanking App from Google PlayOpens in New Window
    1-888-258-3352
  • Membership
    • Join the Credit Union
    • About Us
    • Credit Union Difference
    • Info Desk
    • News & Notices
    • Branch & ATM Locator
    • Fee Schedule
    • Hours & Locations
    • Contact Us
  • Accounts
    • Open an Account
    • Regular Savings
    • Free Checking
    • Christmas & Vacation Savings
    • Certificates
    • IRA & Education Savings
    • Money Markets
    • Young Member Accounts
    • Deposit Rates
  • Lending
    • Apply for a Loan
    • Vehicle Loans
    • Mastercard Credit Card
    • Debt Consolidation Loan
    • Signature Lending
    • Secured Personal Loans
    • Home Equity Line of Credit
    • Mortgages
    • Lending Rates
    • Skip A Payment
  • eServices
    • Online Banking
    • Mobile Banking App
    • Direct Deposit
    • eStatements
    • MasterCard AccessOpens in New Window
    • 24-Hour Phone Teller
    • Reorder ChecksOpens in New Window
    • Online Forms
  • Member Services
    • ATM & Debit Cards
    • Overdraft Protection
    • Insurance & Other Protections
    • Investments
    • Financial Resource Center
    • Disaster Relief Program
    • Member Discounts
    • Wire Transfers
    • Branch Services
  1. Home
  2. Lending
  3. Lending Rates
Apply for a LoanOpens in New Window
Related Information
  • Apply for a MortgageOpens in New Window
  • Calculate Your Loan PaymentOpens in New Window

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 Autos & New Motorcycles
New Autos† APR* Max Term
up to 72 months 1.99% - 9.49% 72 months
73-84 months*** 2.99% - 10.49% 84 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
***Amount financed must exceed $20,000.
Rates could increase by 3% if the vehicle is older than 7 years.

Used Autos & Used Motorcycles
Used Autos† APR* Max Term
up to 72 months 1.99% - 9.49% 72 months
73-84 months*** 2.99% - 10.49% 84 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
***Amount financed must exceed $20,000.
Rates could increase by 3% if the vehicle is older than 7 years.

Natural Gas Vehicles
Natural Gas Vehicles† APR* MAX TERM
Home Filling Station 6.99% 60 months
EPA Qualified Conversion System 1.99% 84 months
Effective Jan 24, 2019
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.

New RVs
New RVs† APR* Max Term
Up to 72 months 2.99% - 11.49% 72 months
73-84 months** 3.99% - 9.49% 84 months
85-120 months*** 4.99% - 8.49% 120 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $25,000.
***Amount financed must exceed $35,000.

Used RVs
Used RVs† APR* Max Term
Up to 72 months 2.99% - 11.49% 72 months
73-84 months** 3.99% - 9.49% 84 months
85-120 months*** 4.99% - 8.49% 120 months
Effective Mar 16, 2020
†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
**Amount financed must exceed $25,000.
***Amount financed must exceed $35,000.

MasterCard
Mastercard Detail
APR* on Purchases 9.90%
APR* on Cash Advance 9.90%
Annual Fee None
Late Payment Fee $15
Credit Card Replacement Fee $10
Credit Card Rush Delivery Cost to CU
Over the Credit Limit Fee $10
Delinquent Account APR* 15.99%
Grace Period 25 Days
Effective Mar 16, 2020
Finance Charges will apply to unpaid balances and are computed based on Average Daily Balance.
*APR = Annual Percentage Rate.

Signature Lending
Unsecured Loans & Lines of Credit† APR* Max Term
Signature Loan 8.99% - 13.49% 84 months
Overdraft Line of Credit 8.99% - 13.49% Revolving††
Line of Credit 8.99% - 13.49% Revolving††
Effective Mar 16, 2020
†Rates based on individual credit and repayment method. Unsecured limits based on income.†Rates based on individual credit, age of vehicle, terms of loan and repayment method.
*APR = Annual Percentage Rate. Rates listed are as low as.
††Maximum term and monthly payment based upon balance owed.

Special Purpose Loans
Loan Purpose APR* Max Term
Holiday** 15.00% 10 months
Effective Jan 24, 2019
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.
**Loan limit based on individual credit. Loans available October 1 – January 31.

Secured Loans
Secured Loans APR* Max Term
Share Secured Share Rate + 3.00% 72 months
Certificate Secured Certificate Rate + 3.00% 60 months
Effective Jan 24, 2019
*APR = Annual Percentage Rate.

Special Secured Loans
Special Secured Loans APR* MAX TERM
Up to 72 months 3.99% - 12.49% 72 months
73-84 months** 4.99% - 10.49% 84 months
85-120 months*** 5.99% - 9.49% 120 months
Effective Jan 24, 2019
*APR = Annual Percentage Rate. Rates listed are as low as and based on repayment method.
**Amount financed must exceed $25,000.
***Amount financed must exceed $35,000.

Home Equity
Home Equity Line of Credit APR* Term
Up to 95% Home Value 5.00% 180 months
Effective Mar 16, 2020
*APR = Annual Percentage Rate. Rates listed are as low as and based on applicant’s credit history. Variable rate based on Prime Rate. Lowest possible APR is 5.00%.


  • Buying a Car
  • Buying a Home
  • Managing Money
  • Retirement Planning
  • Fraud Protection
  • Education Costs
  • girl looking at laptop
    Academic Scholarships
    BFCU 2021-22 Scholarships through Carolina's Credit Union Foundation are now open!
    Learn More
  • man smiling at construction site
    Lower Your Loan Rates
    Your credit union can lower your loan rates and save you money! Transfer your balances today!
    Learn More
  • handshake
    Unbeatable Auto Loans
    Come right to your credit union for the best auto loan with rates as low as 1.99% - 9.49% APR*
    Learn More
  • Become a Member
  • Apply for a loan
  • Add accounts
  • Mastercard loginOpens in New Window
Fee Schedule|Disclosures|Privacy Policy|Web Accessibility|Scholarships|Financials|Sitemap
ATM & Branch Locator
Advanced Search
  • Opens in New Window
  • Opens in New Window
  • Opens in New Window
  • 1-888-258-3352
  • Main Branch
    4301 Yancey Road
    Charlotte, NC 28217
    *Restricted Access
  • Mailing address
    P.O. Box 12400
    Charlotte, NC 28220
    Find a Local Branch
  • Routing #253074951
    BFCU NMLS #410635
    Member First Mortgage NMLS #149532
  • LenderOpens in New Window
  • Federally Insured by NCUAOpens in New Window
  • Opens in New Window
Helping you, our member, achieve financial success!
©2021 Blue Flame Credit UnionWebsite by Visions, Ink.Opens in New Window
Helping you, our member, achieve financial success!
locations|Rates|Forms|Email Us|1-888-258-3352