Consumer Loan Rates

Effective as of: May 1, 2013 9:00 AM
Account Description	Approximate Term	Annual Percentage Rate (APR)	Introductory Annual Percentage Rate
New & Used Vehicle, Fixed²	36 Months	1.490%
New & Used Vehicle, Fixed	48 Months	1.990%
New & Used Vehicle, Fixed	60 Months	2.990%
New & Used Vehicle, Fixed	72 Months	3.990%
New & Used Vehicle, Variable^{1 2}	96 Months	3.250%	3.250%
Personal, Fixed	36 Months	5.990%
Personal, Fixed	48 Months	6.990%
Personal, Fixed	60 Months	7.990%
Personal, Fixed	72 Months	8.990%
Personal, Variable¹	96 Months	8.250%	8.250%
Education, Fixed	36 Months	4.990%
Education, Fixed	48 Months	5.990%
Education, Fixed	60 Months	6.990%
Education, Fixed	72 Months	7.990%
Education, Variable¹	120 Months	7.250%	7.250%
Line of Credit/Reserve, Variable^{1 3}		9.250%	9.250%
Share-Secured, Variable⁴	96 Months	3.020%	3.020%
The Share Certificate-Secured Loan allows you to borrow against your BFSFCU Share Certificate. The ANNUAL PERCENTAGE RATE (APR) for Share Certificate-Secured Loan Advances will be the dividend rate being paid on the secured Share Certificate plus 2.000%. The Share Certificate-Secured Loan may not exceed the Share Certificate maturity and may not exceed 90% of the principal balance. The (APR) and daily Periodic Rate will be disclosed at time of advance. 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. ¹Vehicle, Personal, 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 will be the highest Prime Rate as published in the Money Rates Section of the Wall Street Journal (index) in effect on the 20th day of the month immediately preceding each 6 month anniversary of the Date of the Advance, plus a margin. For Line of Credit / Reserve accounts, the rate on new advances and existing balances is subject to change every 6 months on the anniversary of the Sub-account open 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. The Prime Rate was 3.25% as of 4/20/2013. ²Vehicles include new and used cars, RVs, airplanes, motorcycles, boats and trailers. ³For 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. ⁴The ANNUAL PERCENTAGE RATE (APR) for Share Secured Advances will be the dividend rate being paid on the BFSFCU Quarterly Savings Account on the 20th of each month (index) plus 3% (margin). The rate is subject to change every 6 months thereafter on the anniversary of the open date. An increase in the rate will result in more payments of the same amount.

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