Effective January 1, 2018.
Have Questions? Call: 800-272-6003 ext. 1483

Unsecured Advances

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

Score Grade of Paper Rates
APR*
Credit Card Rates
APR*
730+ Platinum 10.50% 9.25%
680 - 729 A 12.50% 9.25%
640 - 679 B 14.50% 12.25%
600 - 639 C 16.75% 15.50%
550 - 599 D 18.00% 18.00%
549 or Less E 18.00% 18.00%


Secured Advances

New/Used Vehicles, Stocks, Farm Equipment, Campers**, Motor Homes**, Travel Trailers**, Motorcycles, Aircraft, and Watercraft

Scroll to the right to view the rest of the table.
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


All Terrain Advances

ATV's, UTV's, and Dirt bikes (May require 10-20% cash down)

Score Grade of Paper 24 Mo. 36 Mo. 48 Mo. 60 Mo. 72 Mo.
730+ Platinum 4.74% 4.74% 4.74% 4.74% 5.24%
680 - 729 A 5.00% 5.00% 5.00% 5.00% 5.50%
640 - 679 B 6.24% 6.24% 6.24% 6.24% 7.24%
600 - 639 C 10.50% 10.75% 11.00% 11.25% 11.50%
550 - 599 D 13.50% 13.75% 14.00% 14.25% 14.50%
549 or Less E 18.00% 18.00% 18.00% 18.00% N/A


*APR = Annual Percentage Rate

**Motor 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.