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Loan Rates

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Effective January 1, 2019
 

Unsecured Advances

Unsecured/Signature (Revolving Credit, Home Improvements, and Overdraft Protection)
Up to 60 month terms

Score Grade of Paper Rates APR1 Credit Card Rates APR1
730+ Platinum 10.50% 9.25%
680 - 729 A 12.50% 10.25%
640 - 679 B 14.50% 12.25%
600 - 639 C 16.75% 15.50%
550 - 559 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
2.49% 
2.49% 2.74% 2.74% 3.24% 4.24%
680 - 729 A 3.00% 
3.00% 3.00% 3.00% 3.50% 4.74%
640 - 679 B 4.24% 
4.24% 4.24% 4.24% 5.24% 6.24%
600 - 639 C 8.50% 
8.75% 9.00% 9.25% 9.50% 10.00%
550 - 599 D 11.50% 11.75% 12.00% 12.25% 12.50% N/A
549 or Less E 16.50% 
16.75% 17.00% 17.25%  N/A
 N/A

Other Secured Advances

Aircraft, 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 mo. 36 Mo. 48 Mo. 60 Mo. 72 Mo. 84 Mo.
730+ Platinum 4.74%
4.74% 
4.74% 4.74% 5.24% 6.24%
680 - 729 A 5.00%
5.00%
5.00%
5.00% 5.50% 6.74%
640 - 679 B 6.24%
6.24%
6.24%
6.24% 7.24% 8.24%
600 - 639 C 10.50% 10.75%
11.00% 11.25% 11.50% 12.00%
550 - 599 D 13.50%
13.75%
14.00% 14.25% 14.50% 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 - Platinum/A/B grades of paper are eligible for terms up to 10 Years at 90% LTV on balances $30,000 and greater. The interest rate will increase by .25% for each year after the stated rate for 84 months.
Reward discounts available - contact Credit Union for more details.
Share Secured - 2% 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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