Loan Rates • Share/Savings Rates • Certificate Rates
New Collateral Interest Rates** (Refinance as NEW if within 1st year purchased) |
A+ APR* |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
| 36 Months | 4.25%-4.75% |
4.75%-5.25% | 5.50%-6.00% | 8.50%-9.00% |
10.45%-10.95% |
14.45%-14.95% |
| 48 Months | 4.75%-5.25% |
5.25%-5.75% | 6.00%-6.50% | 8.75%-9.25% |
10.60%-11.10% |
14.60-15.10% |
| 60 Months | 5.00%-5.50% |
5.50%-6.00% | 6.25%-6.75% | 9.00%-9.50% |
10.75%-11.25% |
14.75%-15.25% |
| 72 Months | 5.50%-6.00% |
6.00%-6.50% | 6.75%-7.25% | 10.00%-10.50% |
11.75%-12.25% |
15.75%-16.25% |
| 120 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $15,000 ) | 6.00%-6.50% |
6.50%-7.00% | 7.25%-7.75% | 12.00%-12.50% |
Not
Available |
Not Available |
| 132 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $20,000 ) | 6.50%-7.00% |
7.00%-7.50% | 7.75%-8.25% | 12.50%-13.00% |
Not
Available |
Not Available |
| 144 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $25,000 ) | 7.00%-7.50% |
7.50%-8.00% | 8.25%-8.75% | 13.00%-13.50% |
Not
Available |
Not Available |
| Used Collateral Interest Rates** | A+ APR* |
A APR* |
B APR* |
C APR* |
D APR* |
E APR* |
|---|---|---|---|---|---|---|
| 36 Months | 5.50%-6.00% |
6.00%-6.50% |
6.75%-7.25% |
9.50%-10.00% |
14.25%-14.75% |
16.25%-16.75% |
| 48 Months | 5.75%-6.25% |
6.25%-6.75% |
7.00%-7.50% |
9.75%-10.25% |
14.50%-15.00% |
16.50%-17.00% |
| 60 Months | 6.00%-6.50% |
6.50%-7.00% |
7.25%-7.75% |
10.00%-10.50% |
14.75%-15.25% |
16.75%-17.25% |
| 72 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $15,000 ) |
6.50%-7.00% |
7.00%-7.50 |
7.75%-8.25% |
11.00%-11.50% |
Not
Available |
Not
Available |
| 120 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $20,000 ) | 7.00%-7.50% |
7.50%-8.00% |
8.25%-8.75% |
13.00%-13.50%
|
Not
Available |
Not Available |
| 132 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $25,000) | 7.50%-8.00% |
8.00%-8.50% |
8.75%-9.25% |
13.50%-14.00% |
Not
Available |
Not Available |
| 144 Months (Travel/Horse Trailer & Boats)( Min.Loan Amount $30,000 ) | 8.00%-8.50% |
8.50%-9.00% |
9.25%-9.75% |
14.00%-14.50% |
Not
Available |
Not Available |
Home Equity Loans*** 80% of Appraised Value |
A
*APR |
B
*APR |
C
*APR |
Land Loans*** 90 % of appraised value |
A
*APR |
B
*APR |
C
*APR |
|
| 5 Years or Less | 6.25% |
6.50% |
6.75% |
6 Years or Less | 6.50% |
6.75% |
7.00% |
|
| 61 - 120 Months | 6.50% |
6.75% |
7.00% |
Up to 15 Years | 6.75% |
7.00% |
7.25% |
|
| 121 - 180 Months | 6.75% |
7.00% |
7.25% |
Personal Loan Interest Rates** |
A+
*APR |
A
*APR |
B
*APR |
C
*APR |
D
*APR |
E
*APR |
| 12 Months | 6.50%-7.00% |
7.00%-7.50% |
8.00%-8.50% |
9.00%-9.50% |
10.00%-10.50% |
15.50%-16.00% |
| 24 Months | 7.00%-7.50% |
7.50%-8.00% |
8.50%-9.00% |
10.50%-11.00% |
12.00%-12.50% |
16.00%-16.50% |
| 36 Months | 8.00%-8.50% |
8.50%-9.00% |
9.505-10.00% |
12.50%-13.00% |
14.50%-15.00% |
16.50%-17.00% |
| 48 Months | 9.00%-9.50% |
9.50%-10.00% |
10.50%-11.00% |
14.50%-15.00% |
16.00%-16.50% |
17.50%-18.00% |
Share Certificate Covered Loans*** |
|
| 24 Months | 2% Percent above
earned rate |
| Longer than 24 Months | 4% Percent above
earned rate |
Share Covered Covered Loans*** |
|
| 24 Months | 3.9% |
| Longer than 24 Months | 5.9% |
* APR is the Annual Percentage Rate. We participate in a opportunity lending program based on credit scores. **Rewards Program: Up to.50% off for direct deposit and\or checking accout with Baycel FCU ***Rewards do not apply Lowest APR is determined by members Beacon score and by current special offers All loan rates are based on members Beacon score. All rates are subject to change. Please call Baycel FCU for current rates.
Share/Savings |
Dividend
rate |
APY* |
| Share/Savings | .75% |
.75% |
| Club Share | 1.50% |
1.52% |
| Share Draft/Checking | .25% |
.25% |
| Share IRA-Traditional, Roth, & ESA | 2.00% |
2.02% |
Savings Calculator
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* APY is the Annual Percentage Yield
All rates are subject to change.
Please call Baycel FCU for current rates.
Share Certificates |
Dividend
rate |
APY* |
| 6 Month Certificate | 1.05% |
1.05% |
| 1 Year Certificate | 1.35% |
1.36% |
| 2 Year Certificate | 1.75% |
1.76% |
Savings Calculator
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* APY is the Annual Percentage Yield
All rates are subject to change
. Ask a credit union representative for further information about the fees and other terms that apply to these accounts. For updated rates and fees call your local branch office.
A penalty may be imposed for early withdrawl .
IRA Share Certificates |
Dividend
rate |
APY* |
| 1 Year Certificate | 1.35% |
1.36% |
Savings Calculator
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* APY is the Annual Percentage Yield
All rates are subject to change
. Ask a credit union representative for further information about the fees and other terms that apply to these accounts. For updated rates and fees call your local branch office.
A penalty may be imposed for early withdrawl
.
