competitive rates & great service
Effective August 1, 2024
PERSONAL Advances
Personal/Signature (Revolving Credit, Home Improvements, and Overdraft Protection)
Up to 60 month terms
Up to 60 month terms
| Score | Grade of Paper | Rates APR1 | Credit Card Rates APR1 |
|---|---|---|---|
| 730+ | Platinum | 12.75% | 12.75% |
| 680 - 729 | A | 13.75% | 13.75% |
| 640 - 679 | B | 14.75% | 14.75% |
| 600 - 639 | C | 16.75% | 16.75% |
| 550 - 599 | D | 18.00% | 18.00% |
| 549 or Less | E | 18.00% | 18.00% |
Secured Advances
New/Used Vehicles and Stocks
| SCore | Grade of Paper | 24 Mo. | 36 Mo. | 48 Mo. | 60 Mo. | 72 Mo. | 84 Mo. |
|---|---|---|---|---|---|---|---|
| 730+ | Platinum |
5.84% |
5.84% | 5.84% | 6.09% | 6.39% | 7.09% |
| 680 - 729 | A | 6.34% |
6.34% | 6.34% | 6.59% | 6.89% | 7.59% |
| 640 - 679 | B | 7.34% |
7.34% | 7.34% | 7.59% | 7.84% | 8.59% |
| 600 - 639 | C | 12.60% |
12.85% | 13.10% | 13.35% | 13.60% | 13.85% |
| 550 - 599 | D | 15.35% | 15.60% | 15.85% | 16.10% | 16.35% | 17.10% |
| 549 or Less | E | 18.00% |
18.00% | 18.00% | 18.00% | 18.00% |
18.00% |
Other Secured Advances
Campers2, Farm Equipment, Motor Homes2, Motorcycles, Travel Trailers2, and Watercraft
ATV's, UTV's, and Dirt bikes (May require 10-20% cash down - max term 72 months)
| Score | Grade of Paper | 24-48 MO. | 60 Mo. | 72 Mo. | 84 Mo. | 96-132 Mo. | 144-180 Mo. |
|---|---|---|---|---|---|---|---|
| 730+ | Platinum | 7.84% |
8.09% |
8.39% | 9.09% | 9.35% | 9.85% |
| 680 - 729 | A | 8.34% |
8.59% |
8.89% |
9.59% | 9.85% | 10.35% |
| 640 - 679 | B | 9.34% |
9.59% |
9.84% |
10.59% | 10.85% | 11.35% |
| 600 - 639 | C | 14.60% | 15.35% |
15.60% | 15.85% | n/a | n/a |
| 550 - 599 | D | 16.75% |
17.50% |
17.75% | 18.00% | n/a | n/a |
| 549 or Less | E | 18.00% |
18.00% |
18.00% | 18.00% | n/a | n/a |
1APR = Annual Percentage Rate
2Motor Homes/Travel Trailers/Campers/Watercraft - Platinum/A/B grades of paper are eligible for terms up to 15 Years at 90% LTV on balances $30,000 and greater. Must be 5 years old or newer for terms over 10 years.
Reward discounts available - contact Credit Union for more details.
Share Secured - 3% above the dividend paid on pledged certificate.Your interest rate, corresponding APR, and term will be based on certain credit worthiness criteria, loan to value, vehicle age, and amount financed. Apply today to determine your qualifying APR.
Reward discounts available - contact Credit Union for more details.
Share Secured - 3% above the dividend paid on pledged certificate.Your interest rate, corresponding APR, and term will be based on certain credit worthiness criteria, loan to value, vehicle age, and amount financed. Apply today to determine your qualifying APR.
Bayer HFCU makes all final decisions regarding secured values and proper rate. Some restrictions apply.
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