434-237-1566

mybcu@mybcu.org

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HOME EQUITY LINE OF CREDIT

Home Equity Line of Credit

Annual Percentage Rate**

Minimum Line of Credit

$10,000 to $19,999

Prime + 1 to Prime + 6

$10,000 minimum draw

$20,000 to $29,999

Prime + .50 to Prime + 5.50

$15,000 minimum draw

$30,000 to 39,999

Prime + 0 to Prime + 4.75

$20,000 minimum draw

$40,000 and above

Prime -.25 to Prime + 4.50

$25,000 minimum draw
**The Annual Percentage rate (APR) for this Home Equity Line of Credit is variable based on the highest domestic prime rate published in the Wall Street Journal. Call 1-434-237-1566 for current rates. Minimum line amount is $10,000. Loan to value not to exceed 80% of tax assessment or appraisal value minus first mortgage balance. 1- to 2- family owner-occupied residences only. This offer is subject to change at any time without notice. No Annual Fees. Consult a tax advisor regarding the tax deductibility of interest. Maximum possible APR is 24%. Minimum possible APR is 3.25%. Property insurance is required which includes, as required, flood insurance. Other restrictions may apply.
 

HOME EQUITY LOANS

Home Equity Loans

APR** as low as

Terms vary from 60 Months to 120 Months

5.75%
**The Annual Percentage rate (APR) for this Home Equity Line of Credit is variable based on the highest domestic prime rate published in the Wall Street Journal. Call 1-434-237-1566 for current rates. Minimum line amount is $10,000. Loan to value not to exceed 80% of tax assessment or appraisal value minus first mortgage balance. 1- to 2- family owner-occupied residences only. This offer is subject to change at any time without notice. No Annual Fees. Consult a tax advisor regarding the tax deductibility of interest. Maximum possible APR is 24%. Minimum possible APR is 3.25%. Property insurance is required which includes, as required, flood insurance. Other restrictions may apply.
 

PERSONAL LOANS

Personal Loans

APR* as low as

24 Months

13.50%

36 Months

14.25%

42 Months

16.25%
*APR = Average Percentage Rate. Rates are subject to credit qualifications and some limits may apply.
 

SECURITY ONLY LOANS

Security Only Loans

APR* as low as

36 Months

6.00%

48 Months

5.75%

60 Months

5.50%

66 Months

5.25%
*APR = Average Percentage Rate. Rates are subject to credit qualifications and some limits may apply.
 

SHARED SECURED LOANS

Shared Secured Loans

Annual Percentage Rate

Conditions

120 Months

3% Above Deposit Rate

N/A
 

VISA CREDIT CARDS

VISA Credit Cards

APR*

Limits and Conditions

 Blue

17.50% Variable

$500 to $3,000 

 Black

9.00% Variable

$5,000 to $20,000 

Classic

13.75% Variable

$500 to $5,000

Rewards

11.75% Variable

$5,000 to $20,000
*APR = Average Percentage Rate. APRs will vary with market based on the Prime Rate and are subject to credit qualifications.
 

BOATS / RV'S / MOTORCYCLES

Boats / RV's / Motorcycles

APR* as low as

60 Months

10.50%

66 Months

11.00%

72 Months

11.50%
*APR = Average Percentage Rate. Rates are subject to credit qualifications and some limits may apply.
85% of Retail for all Boats / RV's / Motorcycle Loans
 

NEW & USED AUTO LOANS

New and Used Auto Loans

APR* as low as

48 Months
(minimum $7,000)

6.35%

60 Months
(minimum $10,000)

6.15%

66 Months
(minimum $10,000)

5.35%

72 Months
(minimum $15,000)

4.70%

84 Months
(minimum $20,000)

4.50%

96 Months
(minimum $30,000)

 3.75%
*APR = Average Percentage Rate. Rates are subject to credit qualifications and some limits may apply.
Up to 115% NADA Value limitations apply for all auto loans. Limitations on NADA value based on credit score of loan applicant.