Rates

Auto Loan Rates

  •  04-23-2017
Term New Vehicle Rate1 Payment Example ($20,000 loan amount) Used Vehicle Rate2 Payment Example ($20,000 loan amount) Alert Me
36 Month Auto, Fixed 1.490% 36 payments of $568 2.240% 36 payments of $575
48 Month Auto, Fixed 1.990% 48 payments of $434 2.740% 48 payments of $440
60 Month Auto, Fixed 2.240% 60 payments of $353 3.490% 60 payments of $364
72 Month Auto, Fixed 2.990% 72 payments of $304 3.990% 72 payments of $313
96 Month Auto, Variable 3.500% 96 payments of $239 N/A N/A
NEW! 96 Month Recreational Vehicle, Variable3 6.000% 96 payments of $263 7.000% 96 payments of $273
NEW! 180 Month Recreational Vehicle, Variable3 7.000% 180 payments of $180 8.000% 180 payments of $191
Take an additional 0.25% off the auto loan rate if your vehicle is considered environmentally friendly by the Environmental Protection Agency. Visit http://epa.gov/greenvehicles for more information. Take an additional 0.25% off the auto loan rate for new cars with terms of 36 to 60 months if you purchase your vehicle through BFSFCU’s car buying service powered by TrueCar.
  • 1New Vehicles are vehicles for the current or immediately previous model year and an odometer reading of less than 5,000 miles.
  • 2Used Vehicles include any vehicle with an odometer reading of more than 5,000 miles or are older than the immediately previous model year.
  • 3 Vehicle variable rate 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 plus a Margin and will occur every six (6) months on the anniversary of the Date of the Advance of Funds also known as the Change Date. Eligible vehicles for Boat, Plane, and RV loan financing are: recreational vehicles (RV), travel trailers, campers, all-terrain vehicles (ATV), snowmobiles, personal watercrafts, and personal aircrafts.

VISA® Credit Card Rates

  •  04-23-2017
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES Visa Platinum Visa Platinum Member Rewards Visa Platinum Cash Rewards Visa Signature Alert Me
Introductory APR for a period of six (6) billing cycles. 3.9% 3.9% 5.9% 0.0%
After that, your APR will be: Your APR will vary with the market based on the Prime Rate. 9.40% 10.40% 11.40% 13.40%
APR for Cash Advances Alert Me
Introductory APR 3.9% for six (6) billing cycles 3.9% for six (6) billing cycles 5.9% for six (6) billing cycles 1.9% for twelve (12)
billing cycles
After that, your APR will be: Your APR will vary with the market based on the Prime Rate. 12.40% 13.40% 14.40% 16.40%
APR for Balance Transfers Alert Me
Introductory APR 3.9% for six (6) billing cycles 3.9% for six (6) billing cycles 5.9% for six (6) billing cycles 1.9% for twelve (12)
billing cycles
After that, your APR will be: Your APR will vary with the market based on the Prime Rate. 12.40% 13.40% 14.40% 16.40%
Penalty APR1 Alert Me
This APR may be applied to the entire balance on your account if you are 60 days delinquent in making a payment. 15.40% 16.40% 17.40% 18.00%
Interest Charges Alert Me
Minimum Interest Charge None None None None
Set-up and Maintenance Fees Alert Me
Annual Fee None $19 $39 None
Account Set-up Fee None None None None
Participation Fee None None None None
Account Maintenance Fee on Closed Accounts None None None None
Additional Card Fee None None None None
Transaction Fees Alert Me
Balance Transfer Fee None None None None
Cash Advance Fee None None None None
Foreign Transaction Fee 1.00% of each transaction in U. S. dollars 1.00% of each transaction in U. S. dollars 1.00% of each transaction in U. S. dollars None
Penalty Fees Alert Me
Late Payment Fee Up to $25 Up to $25 Up to $25 Up to $25
Over-the-Credit-Limit Fee None None None None
Returned Payment Fee Up to $25 Up to $25 Up to $25 Up to $25
How We Will Calculate Your Balance: We use a method called ”average daily balance (including new purchases).” Your due date is 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.
  • 1The penalty APR will apply until you make six consecutive minimum payments when due.

Mortgage Rates

  •  
Loans to $424,100
Rate
APR
Points
Alert Me
10/1 ARM 30 Year 3.750% 3.791% 0.000%
7/1 ARM 30 Year 3.375% 3.615% 0.000%
5/5 ARM 30 Year 3.000% 3.924% 0.000%
5/1 ARM 30 Year 2.875% 3.482% 0.000%
3/3 ARM 30 Year 2.500% 3.606% 0.000%
Ten and Done (3 Yr ARM) 2.250% 3.337% 0.000%
Conforming 30 Yr Fixed 4.000% 4.042% 0.000%
Conforming 15 Yr Fixed 3.125% 3.198% 0.000%
High-Balance Loans*
Rate
APR
Points
Alert Me
High-Balance 30 Yr Fixed 4.125% 4.150% 0.000%
High-Balance 15 Yr Fixed 3.250% 3.293% 0.000%
Jumbo Loans above $424,100
Rate
APR
Points
Alert Me
10/1 ARM 30 Year 3.875% 3.847% 0.000%
7/1 ARM 30 Year 3.375% 3.594% 0.000%
5/5 ARM 30 Year 3.000% 3.902% 0.000%
5/1 ARM 30 Year 2.875% 3.461% 0.000%
3/3 ARM 30 Year 2.500% 3.584% 0.000%
Ten and Done (3 Yr ARM) 2.250% 3.281% 0.000%
BF Jumbo 15 Year Fixed 3.250% 3.284% 0.000%

* High-Balance mortgage loans are loans with original principal balances that exceed the general loan limits, but meet the high-cost area loan limits. High-cost loan limits are the limits that will apply in high-cost areas as defined by the Federal Housing Finance Agency (FHFA). Rates are subject to change at any time. To view all of our mortgage products and rates, or to find a mortgage to meet your specific needs, please click on the button below.

Get a Custom Rate Quote

Home Equity Loan Rates

  •  04-23-2017
Account Type Term (Years) Introductory Rate Annual Percentage Rate (APR) Payment Example ($100,000 loan amount) Alert Me
Home Equity Line of Credit (Variable Rate)1 15 2.750% 2.750% 180 payments of $679
5/1 Home Equity Line of Credit (Variable Rate)1 15 3.990% 3.990% 180 payments of $739
Account Type Term (Years) Introductory Rate Annual Percentage Rate (APR) Payment Example ($25,000 loan amount) Alert Me
Homeowner's Loan (Fixed Rate)2 6 4.990% 4.990% 72 payments of $403
At this time, BFSFCU lends on properties in DC, DE, MD, VA and WV only. Lien recordation is required.
  • 1Home Equity Line of Credit and 5/1 Home Equity Line of Credit refers to an owner-occupied residence and 80% of Fair Market Value minus other loans. The maximum CLTV on home equity lines of credit is 90%. For loans with a CLTV greater than 80%, higher rates will apply. The Annual Percentage Rate (APR) for variable rate loan products may increase in accordance with the Wall Street Journal Prime Rate (“Index”, currently 4.00%) plus a Margin after the introductory rate has expired. The maximum APR at any time is 18%. Other terms and conditions apply, please call 202-212-6450 for details. Appraisal, recordation taxes and other closing costs apply and will be at the member's expense. These closing costs typically range from $200 - $1925 based on the property location, the loan amount requested, the fair market value and the combined loan-to-value (CLTV) ratio. Property insurance is required. HELOC products are not available for investment properties. Please consult with a tax adviser on the deductibility of interest.
  • 2Homeowner's Loan (Fixed Rate) refers to owner-occupied properties only. Maximum loan amount is $50,000. Higher rates and lower maximum loan amounts apply when CLTV greater than 80%. Other terms and conditions apply, please call 202-212-6450 for details. Appraisal, recordation taxes and other closing costs apply and will be the member's expense. These closing costs typically range from $200 - $1925 based on the property location, the loan amount requested, the fair market value and the combined loan-to-value (CLTV) ratio. Property insurance is required. Please consult with a tax adviser on the deductibility of interest.

Personal Loans

  •  04-23-2017
Account Description Approximate Term Annual Percentage Rate (APR) Introductory Annual Percentage Rate Payment Example ($3,000 loan amount) Alert Me
Personal, Fixed 36 Months 7.990% 36 payments of $94
Personal, Fixed 48 Months 8.990% 48 payments of $75
Personal, Fixed 60 Months 8.990% 60 payments of $62
Personal, Fixed 72 Months 9.490% 72 payments of $55
Personal, Variable 96 Months 7.250% 7.250%1 96 payments of $41
Education, Fixed 36 Months 5.990% 36 payments of $91
Education, Fixed 48 Months 6.990% 48 payments of $72
Education, Fixed 60 Months 7.990% 60 payments of $61
Education, Fixed 72 Months 8.990% 72 payments of $54
Education, Variable 120 Months 6.250% 6.250%1 120 payments of $34
Line of Credit/Reserve, Variable2 10.250% 10.250%1
Share-Secured, Variable3 96 Months 2.070% 2.070%1 96 payments of $34
Pension Loan, Fixed4 72 Months 5.450% 72 payments of $49
Pension Loan, Fixed4 120 Months 6.200% 120 payments of $34
Pension Loan, Variable4 120 Months 4.750%5 120 payments of $31
Loan programs and interest rates on this page are subject to change and/or cancellation without notice. This is not a guaranteed offer of credit; underwriting guidelines apply.
  • 1Personal and Education variable rate loans 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”) plus a Margin. APR changes will occur every six (6) months on the anniversary of the account open date, 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 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 2.00%). The rate is subject to change every six (6) months thereafter on the anniversary of the account open date; the Change Date. An increase in the rate will result in more payments of the same amount. Share Certificate-Secured Loans are also available. The ANNUAL PERCENTAGE RATE (APR) for Share Certificate-Secured Variable Loans will be the dividend rate being paid on the Share Certificate Account designated in accordance with the Index plus a Margin (currently 2.00%).
  • 4New money only. Maximum loan amount is $75,000 per year with a total aggregate amount of $150,000. All loan approvals are subject to normal underwriting procedures. Applicant must provide a copy of their pension statement from their Human Resources department regarding eligible contribution amounts with application. Loan proceeds will be funded directly to the pension account. Other terms and conditions may apply.
  • 5The APR for variable rate changes may increase in accordance with the Wall Street Journal Prime Rate (“Index”) plus a Margin. APR changes will occur every six (6) months on the anniversary of the account open date, which is referred to as the Change Date.

Checking Account Rates

  •  04-23-2017
Account Type Annual Percentage Yield (APY) Dividend Rate Minimum Balance Required to Earn Dividends Minimum Balance Required to Open Alert Me
Checking 0.050% 0.050% none none
Money Management Checking 0.000% 0.000% N/A none1
0.060% 0.060% $2,500.00 N/A
0.100% 0.100% $10,000.00 N/A
0.110% 0.110% $25,000.00 N/A
0.140% 0.140% $50,000.00 N/A
Checking Account offering rates are variable and subject to change daily. Dividends are paid monthly on Checking Accounts. Dividends are calculated using the balance in the account at the end of each day. For specific information about account rates and terms, call us at 202.212.6400 to speak to one of our Member Service Representatives. Refer to Bank-Fund Staff Federal Credit Union Account Agreements and Disclosures for additional information.
  • 1Please refer to your BFSFCU Account Agreements and Disclosures for additional terms and conditions. A fee may be imposed for not maintaining a minimum balance of $2,500.

Savings Account Rates

  •  04-23-2017
Account Type Annual Percentage Yield (APY) Dividend Rate Minimum Balance Required to Earn Dividends Minimum Balance Required to Open Alert Me
Savings 0.070% 0.070% none none
Money Management Savings 0.000% 0.000% N/A none
0.080% 0.080% $2,500.00 N/A
0.100% 0.100% $10,000.00 N/A
0.120% 0.120% $25,000.00 N/A
0.150% 0.150% $50,000.00 N/A
eSavings1 0.170% 0.170% $10,000.002 $10,000.00
Savings Account offering rates are variable and subject to change daily. Dividends are paid quarterly on Savings Accounts. Dividends are calculated using the balance in the account at the end of each day. For specific information about account rates and terms, call us at (202) 212-6400 to speak to one of our Member Service Representatives. Refer to Bank-Fund Staff Federal Credit Union Account Agreements and Disclosures for additional information.
  • 1The eSavings account can only be opened online and is only accessible from our Online Banking system. The first withdrawal or transfer is free of fee. Second and all subsequent withdrawals or transfers processed during the calendar month are $5.00 each. Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings accounts to a maximum combined total of six (6) per month. A Regulation D Excess Debit Fee may apply for each transaction that exceeds the limit.
  • 2You must maintain a minimum daily balance of $10,000 to avoid incurring a low-balance fee at month-end.

Share Certificate Rates

  •  04-23-2017
Share Certificates Annual Percentage Yield (APY) Dividend Rate Minimum to Open Alert Me
91-Day 0.030% 0.030% $1,000.00
6-Month 0.050% 0.050% $1,000.00
9-Month 0.100% 0.100% $1,000.00
12-Month 0.150% 0.150% $1,000.00
18-Month 0.250% 0.250% $1,000.00
24-Month 0.300% 0.300% $1,000.00
30-Month 0.400% 0.400% $1,000.00
36-Month 0.500% 0.500% $1,000.00
48-Month 0.550% 0.550% $1,000.00
60-Month 0.800% 0.800% $1,000.00
72- Month 0.900% 0.900% $1,000.00
Specialty Share Certificates Annual Percentage Yield (APY) Dividend Rate Minimum to Open Alert Me
12-Month Young Savers 0.150% 0.150% $100.00
15-Month RateKeeper 0.200% 0.200% $1,000.00
24-Month WealthBuilder 0.250% 0.250% $1,000.00
36-Month Step-Up 0.350% 0.350% $1,000.00
60-Month Step-Up 0.450% 0.450% $1,000.00
5-Year High Yield 2.000% 2.000% $1,000.00
6-Year High Yield 2.150% 2.150% $1,000.00
7/10 Split - 7 Year Portion1 2.400% 2.400% $1,000.00
7/10 Split - 10 Year Portion1 2.550% 2.550% $1,000.00
Jumbo Share Certificates Annual Percentage Yield (APY) Dividend Rate Minimum to Open Alert Me
4-Week 0.020% 0.020% $100,000.00
91-Day 0.050% 0.050% $100,000.00
6-Month 0.080% 0.080% $100,000.00
12-Month 0.180% 0.180% $100,000.00
18-Month 0.280% 0.280% $100,000.00
Share Certificate Account and Jumbo Share Certificate Account offering rates are subject to change daily and are fixed for the term of the account. Dividends are calculated on the balance of the account each day. Dividends on the weekly, 91 day and 6 month terms are paid at maturity. For all other terms, dividends are paid and compounded quarterly and at maturity.

A penalty will be imposed for early withdrawal from Share Certificate Accounts, Specialty Share Certificate Accounts, or Jumbo Share Certificate Accounts.

For specific information about account rates and terms, call us at 202.212.6400 to speak to one of our Member Service Representatives.

Refer to Bank-Fund Staff Federal Credit Union's Truth in Savings Disclosure, located in the Account Disclosures section of our site, for additional information.
  • 1The 7-year and 10-year products must be opened simultaneously.

IRA Rates

  •  04-23-2017
IRAs Annual Percentage Yield (APY) Dividend Rate Minimum to Open Alert Me
12-Month Fixed Traditional and Roth IRAs 0.150% 0.150% $1,000.00
24-Month Fixed Traditional and Roth WealthBuilder IRAs 0.250% 0.250% $1,000.00
24-Month Fixed Traditional and Roth IRAs 0.300% 0.300% $1,000.00
36-Month Fixed Traditional and Roth IRAs 0.500% 0.500% $1,000.00
48-Month Fixed Traditional and Roth IRAs 0.550% 0.550% $1,000.00
60-Month Fixed Traditional and Roth IRAs 0.800% 0.800% $1,000.00
Traditional IRA Savings Account 0.100% 0.100% $0.00
Roth IRA Savings Account 0.100% 0.100% $0.00
Specialty IRAs Annual Percentage Yield (APY) Dividend Rate Minimum to Open Alert Me
5-Year High Yield Traditional and Roth IRAs 2.000% 2.000% $1,000.00
6-Year High Yield Traditional and Roth IRAs 2.150% 2.150% $1,000.00
7-Year High Yield Traditional and Roth IRAs1 2.400% 2.400% $1,000.00
10-Year High Yield Traditional and Roth IRAs1 2.550% 2.550% $1,000.00
Jumbo IRAs Annual Percentage Yield (APY) Dividend Rate Minimum to Open Alert Me
12-Month Fixed Traditional and Roth IRAs 0.180% 0.180% $100,000.00
24-Month Fixed Traditional and Roth IRAs 0.330% 0.330% $100,000.00
36-Month Fixed Traditional and Roth IRAs 0.530% 0.530% $100,000.00
48-Month Fixed Traditional and Roth IRAs 0.580% 0.580% $100,000.00
60-Month Fixed Traditional and Roth IRAs 0.830% 0.830% $100,000.00
IRA Fixed account offering rates are subject to change daily and are fixed for the term of the account.
  • 1The 7/10 Split is a combination of two fixed-term Share Certificates, our 7-year and our 10-year SCs. They must be opened together in equal investments. Start with a minimum $2,000 initial investment and "split" that investment equally between the 7-year SC and 10-year SC.

Housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website, www.consumerfinance.gov/find-a-housing-counselor, and enter your zip code. You can also access HUD’s housing counseling agency website via www.consumerfinance.gov/mortgagehelp or by accessing HUD’s counseling agency web service directly via http://data.hud.gov/index.html. For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).