competitive rates & great service
Effective July 1, 2025
PERSONAL/signature Advances
- Personal/Signature - (Max term 60 months)
- Revolving Credit
- Overdraft Protection
| Score | Grade of Paper | Rates APR1 | Credit Card Rates APR1 |
|---|---|---|---|
| 730+ | A+ | 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 | n/a | n/a |
Secured Advances
- New/Used Vehicles
| SCore | Grade of Paper | 24 Mo. | 36 Mo. | 48 Mo. | 60 Mo. | 72 Mo. | 84 Mo. |
|---|---|---|---|---|---|---|---|
| 730+ | A+ |
5.50% |
5.50% | 5.75% | 6.00% | 6.25% | 6.50% |
| 680 - 729 | A | 6.00% |
6.00% | 6.25% | 6.25% | 6.50% | 6.75% |
| 640 - 679 | B | 7.75% |
7.75% | 8.00% | 8.25% | 8.50% | 8.75% |
| 600 - 639 | C | 8.50% |
8.50% | 9.00% | 9.50% | 10.00% | 11.00% |
| 550 - 599 | D | 13.00% | 13.00% | 13.50% | 15.00% | 16.00% | 17.00% |
| 549 or Less | E | 15.00% |
16.00% | 16.00% | 17.00% | 18.00% |
18.00% |
Other Secured Advances
- ATVs, UTVs, and Dirt Bikes - (Max term 72 months. May require 10-20% cash down)
- Farm Equipment - (Max term 84 months)
- Motorcycles - (Max term 84 months)
- RV/Boat - (Max term 84 months) (A+/A/B scores are eligible for terms up to 15 years at 9% LTV on balances $30,000.00 and greater. It must be 5 years old or newer for terms over 10 years)
- Share Secured - 3% above the dividend paid on pledged certificate
| Score | Grade of Paper | 24-48 MO. | 60 Mo. | 72 Mo. | 84 Mo. | 96-132 Mo.* | 144-180 Mo.* |
|---|---|---|---|---|---|---|---|
| 730+ | A+ | 7.50% |
8.00% |
8.25% | 8.50% | 8.75% | 9.25% |
| 680 - 729 | A | 8.00% |
8.25% |
8.50% |
8.75% | 9.00% | 9.50% |
| 640 - 679 | B | 9.75% |
10.25% |
10.50% |
10.75% | 11.00% | 11.50% |
| 600 - 639 | C | 10.50% | 11.50% |
12.00% | 13.00% | n/a | n/a |
| 550 - 599 | D | 15.00% |
17.00% |
18.00% | 18.00% | n/a | n/a |
| 549 or Less | E | 17.00% |
18.00% |
18.00% | 18.00% | n/a | n/a |
1APR = Annual Percentage Rate
Discounts available
- Automatic Transfer/ACH (discount .25%)
- Involuntary Unemployment Protection (discount .25%)
- Credit Life Protection (discount .25%)
- Credit Disability Protection (discount .25%)
- New members who open a loan within 60 days (discount .25%)
A+ & A max discount 0.50%
B & C max discount 1.00%
D & E max discount 1.25%
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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