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Personal Loan Rates

Effective as of: November 20, 2014 8:00 AM
Account Description
Approximate Term
Annual Percentage Rate (APR)
Introductory Annual Percentage Rate
Personal, Fixed
36 Months
6.990%
Personal, Fixed
48 Months
7.990%
Personal, Fixed
60 Months
8.990%
Personal, Fixed
72 Months
9.990%
Personal, Variable1
96 Months
8.250%
8.250%
Education, Fixed
36 Months
5.990%
Education, Fixed
48 Months
6.990%
Education, Fixed
60 Months
7.990%
Education, Fixed
72 Months
8.990%
Education, Variable1
120 Months
7.250%
7.250%
Line of Credit/Reserve, Variable1 2
9.250%
9.250%
Share-Secured, Variable3
96 Months
1.270%
1.270%

This is not an advertisement to extend consumer credit. Loan programs and interest rates on this page are for informational purposes only and are subject to change and/or cancellation without notice.

1Personal and Education variable rate Sub-accounts are offered with the above shown six-month introductory rate; during the Introductory Rate Period your rate will not change. Following the expiration of the Introductory Rate Period, this plan will have a Variable Rate feature. The ANNUAL PERCENTAGE RATE (APR) for variable rate changes may increase in accordance with the Wall Street Journal Prime Rate (“Index” , currently 3.25%) plus a Margin. APR changes will occur every six (6) months on the anniversary of the Date of the Advance of Funds, which is referred to as the Change Date. For Line of Credit / Reserve accounts, the rate on new advances and existing balances is subject to change every six (6) months on the anniversary of the Sub-account open date or Change Date. If there is an existing balance on the date of a new advance, the existing balance will be added to the new advance and the entire balance will be at the new APR. An increase in the rate may result in more payments.

2For overdraft checking transactions the Line of Credit/Reserve is advanced in $5.00 increments, your minimum payment will be the greater amount, $15.00 or 2.000% of the outstanding balance.

3The ANNUAL PERCENTAGE RATE (APR) for Share-Secured Variable Loans will be the dividend rate being paid on the BFSFCU Savings Account in accordance with the Index plus a Margin (currently 1.25%). The rate is subject to change every six (6) months thereafter on the anniversary of the open date; the Change Date. An increase in the rate will result in more payments of the same amount.