CURRENT LOAN RATES
Effective January 12, 2012 |
Type of Loan |
Maximum Amount |
Maximum Term |
Percentage Rate |
Personal |
$10,000.00 |
5 Years |
14.49% |
New Auto 2010-2012
2.99 % for 6 Years
Used Autos
2008-2009 3.99% up to 6 Years
2007 4.99% up to 6 Years
2003-2006 6.99% up to 5 Years
We are now proud to offer GAP insurance to our members.
Please feel free to call and ask a Loan Associate for details.
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| Home Equity |
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* See a Member Service Associate for details
**Rates are for 2005 and newer vehicles |
This is a general idea of our competitive rates. If you have any questions regarding the above-mentioned loans or our rates, please call the Credit Union any weekday between 9 a.m. and 4 p.m. at (413) 447-7772. We will be happy to assist you. All rates and services are subject to change. |
Current Loan Rates (continued)
Effective January 1, 2012 |
Type of Loan |
Maximum Amount |
Maximum Term |
Percentage Rate |
Share Secured |
Equal to Balance in Share Accts.
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Equal to balance of Certificate
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Date of Maturity of Certificate
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Travel Trailers |
Up to 90% of Average Retail Price as Quoted in NADA
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2% above auto Rates*
(*Min. $15,000 Loan)
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Motor Homes & Coaches
New or Used |
Up to 90% of Average Retail Price as Quoted in NADA
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2% above Auto Rates*
(*Min. $15,000 Loan)
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Recreational Vehicles, Snowmobiles, ATV"s, Jet Skis (excludes boats) |
$10,000.00 Up to 90% of Average Retail Price as Quoted in NADA
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This is a general idea of our competitive rates. If you have any questions regarding the above-mentioned loans or our rates, please call the Credit Union any weekday between 9 a.m. and 4 p.m. at (413) 447-7772. We will be happy to assist you. All rates and services are subject to change. |
The rates appearing below are accurate as of the last dividend declaration date. If you have any questions or require current rate information on your accounts, please call the credit union at (413) 447-7772. |
Share Certificate Program
Current Certificate Rates
Effective January 27, 2012 |
Term |
Annual % Rate |
Annual Eff. Yield |
Minimum Deposit |
6 Months |
.40 |
.40 |
$1,000 |
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12 Months
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.40 |
.40 |
$1,000
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24 Months |
1.00 |
1.00 |
$1,000 |
IRA Payroll |
.25 |
.25 |
$0 - $1,000 |
IRA Certificates |
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1 Year Cert |
0.75 |
0.75 |
$1,000 |
2 year Cert |
1.05 |
1.05 |
$1,000 |
3 Year Cert |
1.25 |
1.25 |
$1,000 |
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Share Draft Protection Fee: |
If there are insufficient funds in the Share Draft Account, we will transfer the amount needed to cover the check from the Share Account. |
Share Account |
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Share Draft Protection Fee: |
$5.00 per transfer |
Return Check Fee: |
$25.00 per transfer |
Stop Payment Fee: |
$15.00 per check (Personal BFCU Share Draft Account)
$25.00 per check (BFCU's Bank Check) |
ACH Stop Payment Fee |
$15.00 per item |
Check Copy Fee: |
$3.00 per check |
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Other Charges |
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Research Fee: |
$25.00 per hour ($25.00 minimum) |
Return ACH Fee: |
$25.00 per item |
Statement Copy Fee: |
$4.00 per statement copy |
Bank Check Fee: |
$1.00 per bank check (1 free per member per day) |
Dormant Account Fee: |
$20.00 per account |
ATM Replacement Card Fee: |
$10.00 per card |
PIN Mailer Replacement Fee: |
$2.00 per mailer |
Account Activity Printout |
$2.00 per printout (effective May 1, 2009) |
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ALL SERVICES AND CHARGES ARE SUBJECT TO CHANGE
Effective March 2011 |
