Current Rates

All rates are current as of 05/29/2018

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% $500.00 365 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** Payment
24 months 6.50% 7.48% $449.87
36 months 6.95% 7.62% $311.60
48 months 7.25% 7.76% $243.01
60 months 7.50% 7.92% $202.36

*Rate and APR are subject to change without notice.
*This Rate and APR assume a $10,000 Loan Amount and a Processing Fee of $99.

**APR = Annual Percentage Rate

Auto

 

Model Year Term Rate* APR** Payment
2017-2018 60 Months 3.95% 4.72% $187.42
2016 60 Months 4.25% 5.02% $188.80
2015 60 Months 5.00% 5.77% $192.28
2014 60 Months 6.00% 6.77% $196.98
2013 60 Months 6.50% 7.28% $199.36
2012 60 Months 6.75% 7.53% $200.55
2011 60 Months 7.25% 8.03% $202.96
2010 / Older 48 Months 8.25% 9.23% $207.82
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 of $189.

**APR = Annual Percentage Rate

Mortgage & Home Equity

Single Family/Owner-Occupied Mortgages

Loan Type Maximum Term Rate* Points APR** Payment
30 Year Fixed 30 Years 5.750% 1% 5.91% $583.57
20 Year Fixed 20 Years 5.375% 1% 5.59% $680.85
15 Year Fixed 15 Years 5.250% 1% 5.52% $803.88
10 Year Fixed 10 Years 4.950%  0.5% 5.33% $1,058.21

 

*All rates and APRs (Annual Percentage Rates) are accurate as of above date 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** Payment
5 Years 3.950% 4.744% $187.54
10 Years 4.950% 5.373% $107.90
15 Years 5.950% 6.253% $85.76

* 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, with a Processing Fee of $189.
Maximum Loan-to-Value is 80%.
Call BFSB for more information.