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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 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+
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. Shorter terms with lower minimum finance amount available. 

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+
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. Shorter terms with lower minimum finance amount available. 

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+
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. Shorter terms with lower minimum finance amount available.

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+
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. Shorter terms with lower minimum finance amount available.

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. 


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    Adventure Awaits
    Recreational vehicle loans with rates as low as NEW 4.99 APR* | USED 5.99 APR*
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    Tax Return Season
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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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