All rates are current as of 05/22/2018
CDs
| Term | Interest Rate* | APY** | Minimum Deposit | Early Withdrawal Penalty |
| 91 Days | 0.050% | 0.050% | $1,000.00 | 91 Days |
| 182 Days | 0.100% | 0.100% | $1,000.00 | 91 Days |
| 09 Months | 0.05% | 0.05% | $1,000.00 | 91 Days |
| 12 Months | 0.25% | 0.25% | $1,000.00 | 180 Days |
| 18 Months | 0.150% | 0.150% | $500.00 | 180 Days |
| 24 Months | 1.05% | 1.05% | $500.00 | 180 Days |
| 30 Months | 1.00% | 1.00% | $500.00 | 180 Days |
| 36 Months | 1.20% | 1.21% | $500.00 | 180 Days |
| 42 Months | 0.400% | 0.400% | $50.00 | 365 Days |
| 48 Months | 1.40% | 1.41% | $500.00 | 365 Days |
| 60 Months | 1.60% | 1.61% | $500.00 | 365 Days |
| Variable 18 Month IRA | 0.150% | 0.150% | $10.00 | 365 Days |
*Rates and APR are subject to change without notice.
**APY = annual percentage yield
Personal Unsecured
| Term | Rate* | APR** |
| 24 | 6.50% | 7.48% |
*Rate and APR are subject to change without notice.
*This Rate and APR assume a $10,000 Loan Amount and a Processing Fee.
**APR = Annual Percentage Rate
Auto
| Model Year | Term | Rate* | APR** |
| 2017-2018 | 60 Months | 3.95% | 4.72% |
| 2016 | 60 Months | 4.25% | 5.02% |
| 2015 | 60 Months | 5.00% | 5.77% |
| 2014 | 60 Months | 6.00% | 6.77% |
| 2013 | 60 Months | 6.50% | 7.28% |
| 2012 | 60 Months | 6.75% | 7.53% |
| 2011 | 60 Months | 7.25% | 8.03% |
| 2010 / Older | 48 Months | 8.25% | 9.23% |
| Off Road Vehicles/Boats | 60 Months | +2% Model Year Above |
*Rates and APR are subject to change without notice.
*These Rates and APR’s assume a $10,000 Loan Amount and a Processing Fee.
**APR = Annual Percentage Rate
Mortgage & Home Equity
Single Family/Owner-Occupied Mortgages
| Loan Type | Maximum Term | Rate* | Points | APR** |
| 30 Year Fixed | 30 Years | 5.750% | 1% | 5.91% |
| 20 Year Fixed | 20 Years | 5.375% | 1% | 5.59% |
| 15 Year Fixed | 15 Years | 5.250% | 1% | 5.52% |
| 10 Year Fixed | 10 Years | 4.950% | 0.5% | 5.33% |
| Non-
Conforming |
25 Year
15 Year |
6.000%
5.000% |
1%
1% |
*All rates and APRs (Annual Percentage Rates) are accurate as of 02/20/2018 and subject to change without notice. Your APR will vary based on your final loan amount and finance charges. These loans have a maximum Loan-to-Value (LTV) of 90%. LTVs above 80% require Private Mortgage Insurance (PMI), which could increase the APR. The above APRs assume a 20% down payment with a loan amount of $100,000 for a maximum term disclosed and closed on the last day of the month. In order to guarantee these rates a complete loan application must be submitted and a Rate-Lock Agreement (when applicable) must be signed.
**APR = Annual Percentage Rate
Home Equity and Improvement Loans
| Term | Rate* | APR** |
| 5 Years | 3.950% | 4.826% |
| 10 Years | 4.950% | 5.416% |
| 15 Years | 5.950% | 6.285% |
* All rates and APR’s are subject to change without notice.
**APR = Annual Percentage Rate
APR’s assume a $10,000 loan amount at the maximum term.
Maximum Loan-to-Value is 80%.
Call BFSB for more information.
