Current Rates

All rates are current as of 06/06/2016

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 0.50% 0.50% $1,000.00  91 Days
12 Months 0.150% 0.150% $1,000.00 180 Days
18 Months  0.150%  0.150%  $500.00 180 Days
 24 Months  0.300% 0.300% $500.00 180 Days
 30 Months 0.300% 0.300% $500.00 180 Days
 36 Months 0.400% 0.400% $500.00 180 Days
 42 Months 0.400% 0.400% $50.00 365 Days
 48 Months 0.500% 0.500% $500.00 365 Days
 60 Months 0.900% 0.900% $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**
2016-2017 60 Months 3.95% 4.72%
2015 60 Months 4.25% 5.02%
2014 60 Months 5.00% 5.77%
2013 60 Months 6.00% 6.77%
2012 60 Months 6.50% 7.28%
2011 60 Months 6.75% 7.53%
2010 60 Months 7.25% 8.03%
2009 / Older 48 Months 8.25% 9.22%
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 5.250% 1% 5.408%
20 Year Fixed 20 Years 4.750% 1% 4.912%
15 Year Fixed 15 Years 4.250% 1% 4.453%

*All rates and APRs (Annual Percentage Rates) are accurate as of 06/06/2016 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 75%.
Call BFSB for more information.