Effective August 1, 2017. 
Have Questions? Call: 800-272-6003 ext. 1483

Unsecured Advances

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

ScoreGrade of PaperRatesCredit Card Rates
730+Platinum10.25%9.25%
680 - 729A12.25%9.25%
640 - 679B14.25%12.25%
600 - 639C16.50%15.50%
550 - 599D18.00%18.00%
549 or LessE18.00%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.
ScoreGrade of Paper24 Mo.36 Mo.48 Mo.60 Mo.72 Mo.84 Mo.
730+Platinum2.49%2.49%2.49%2.49%2.99%3.99%
680 - 729A2.75%2.75%2.75%2.75%3.25%4.49%
640 - 679B3.99%3.99%3.99%3.99%4.99%5.99%
600 - 639C8.25%8.50%8.75%9.00%9.25%9.75%
550 - 599D11.25%11.50%11.75%12.00%12.25%N/A
549 or LessE16.25%16.50%16.75%17.00%N/AN/A


All Terrain Advances

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

ScoreGrade of Paper24 Mo.36 Mo.48 Mo.60 Mo.72 Mo.
730+Platinum4.49%4.49%4.49%4.49%4.99%
680 - 729A4.75%4.75%4.75%4.75%5.25%
640 - 679B5.99%5.99%5.99%5.99%6.99%
600 - 639C10.25%10.50%10.75%11.00%11.25%
550 - 599D13.25%13.50%13.75%14.00%14.25%
549 or LessE18.00%18.00%18.00%18.00%N/A


*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.

*All auto loans .25% given upon approval.

**Other reward discounts available - Contact Credit Union for details.

Shared 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.