Disclosures

All of the fine print.


1The calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. The information is provided for illustrative purposes only. Rates are subject to change, and your loan terms lay vary based on your individual circumstances.


2APR is Annual Percentage Rate. Offer subject to credit approval. The rate listed assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 or more into your credit union checking account: at least $25,000 on deposit with the credit union: or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. For U.S. residents, rate applies to 2015 and newer vehicles with a loan term of up to 60 months (based on credit worthiness), up to 100% LTV (loan to value). For Puerto Rico residents, rate applies to 2015 or newer vehicles with a loan term of up to 48 months (based on credit worthiness), up to 70% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. An example of payment terms are as follows: an Amount Financed of $25,000 with an APR for 3.84% and a term of 60 months would have a monthly payment of $460.03.


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PowerPlus™ Checking

1To earn monthly dividends and unlimited reimbursements of other banks’ ATM surcharge fees, your account must meet these two monthly requirements: Monthly direct deposits totaling at least $500 into your PowerPlus Checking account and completion of at least fifteen (15) transactions that include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn dividends and will not receive reimbursements of other banks’ ATM surcharge fees. Rates accurate as of 8/1/2020. The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. There is no minimum balance required to earn dividends. Dividends are paid monthly and calculated based on the average daily balance method. PowerPlus Checking is available as a personal account only and is limited to one account per member. If you do not have sufficient available funds in your checking account to clear a presented item, funds may automatically transfer from your savings or money market share and may count towards withdrawal limitations for that savings or money market share (Electronic funds transfers from savings and money market shares, which include overdraft transfers are limited to six per month. Each electronic funds transfer in excess of six per month is subject to a $3 excessive withdrawal fee. See Service Charges and Fees Schedule in Consumer Member Service Agreement for further details. PowerPlus™ Checking is a trademark of BCU.


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Simply Checking™

If you do not have sufficient funds in your checking account to clear a presented item, funds may automatically transfer from another share and may count towards withdrawal limitations for that other share. (Regulation D dictates that electronic transfers from Savings are limited to six per month. Overdraft transfers are automated electronic transfers, which are subject to Regulation D rules. Each transfer in excess of six per month is subject to a $3 excessive withdrawal fee).

 

1To earn monthly dividends and unlimited reimbursements of other banks’ ATM surcharge fees, your account must meet these two monthly requirements: Monthly direct deposits totaling at least $500 into your PowerPlus Checking account and completion of at least fifteen (15) transactions that include any combination of the following: BCU Debit Card PIN, Debit Card signature, credit card purchases, Online Bill Pay or ACH payments, which apply toward the monthly requirements in the month they post to your account. Credit card transactions that post on the last day of the month will be applied toward the following month’s transaction total. Accounts not meeting all monthly requirements will not earn dividends and will not receive reimbursements of other banks’ ATM surcharge fees. The dividend rate and annual percentage yield (APY) may change at any time. Balances up to $15,000 will earn the stated higher rate and the portion of the balance over $15,000 will earn the stated lower rate. See rate sheet or website for current rates. There is no minimum balance required to earn dividends. Dividends are paid monthly and calculated based on the average daily balance method. PowerPlus Checking is available as a personal account only and is limited to one account per member. If you do not have sufficient funds in your checking account to clear a presented item, funds may automatically transfer from another share and may count towards withdrawal limitations for that other share. (Regulation D dictates that electronic transfers from Savings are limited to six per month. Overdraft transfers are automated electronic transfers, which are subject to Regulation D rules. Each transfer in excess of six per month is subject to a $3 excessive withdrawal fee). See Service Charges and Fees Schedule in Deposit Account Agreement for further details.


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Regular Savings

1The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day non-cash items are placed (for example checks) into the account. During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit will result in a $3 fee for each additional transaction and the account may be subject to closure by the credit union.


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Rainy Day Savings™

1Rainy Day Savings is a tiered, interest-bearing account based on qualifying activity and balance. To qualify for the stated APY, a monthly deposit must be made of at least $25, not to exceed $500. During the first calendar month only, a member may deposit up to $1,000. Deposit amounts exceeding the monthly maximum deposit will be transferred to the member’s Regular Savings account. Balances for the first 12 consecutive qualifying calendar months; beyond the first 12 months, but less than $25,000; and above $25,000 will earn different rates as posted. For months in which the minimum deposit requirement is not fulfilled, the Regular Savings rate will be paid. Rates are subject to change without notice. Two withdrawals are allowed per calendar year. Each additional withdrawal will result in a $25 excessive withdrawal fee which will reduce earnings. Rainy Day Savings is available as a personal account only and limited to one account per member.


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Money Market

1The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day non-cash items are placed (for example checks) into the account. During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit will result in a $3 fee for each additional transaction and the account may be subject to closure by the credit union. Balances that fall below $1,000 will earn the Regular savings rate.

IRA Money Market dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day you place non-cash items (for example checks) to your account. IRA Money Markets are not available in Puerto Rico.

Money Market Special

2Offer valid for new Money Market Special account with a minimum opening balance of $15,000 in new money. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. This is a tiered rate account. Rates and Annual Percentage Yields (APYs) accurate as of 1/1/2021. Balances below $15,000, you will earn the stated lower rate of 0.05% with an APY of 0.05% and balances of $15,000 and over will earn the higher stated rate of 0.54% with an APY of 0.55%. The rates and APYs are variable and may change at any time after the guarantee period as determined by us. There is no minimum balance to earn an APY. Dividends are calculated by using the Average Daily Balance method, which applies a daily periodic rate to the balance in the account each day. The dividend rate for a particular tier will apply to the entire balance if the average daily account balance is within the balance range for that tier. Dividends will be compounded and credited monthly. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. Dividends will begin to accrue on non-cash deposits (e.g. checks) on the day after you make the deposit to your account. If you close your account before accrued dividends are credited, accrued dividends will not be paid. Six withdrawal transactions per month are allowed. No more than six preauthorized, automatic, or telephone transfers may be made from this account to another account of yours or to a third party in any month. If you exceed the transfer or withdrawals limitations, your account may be subject to a $3 excessive withdrawals fee for each transaction that exceeds the monthly six transaction limit and closure by BCU. See Service and Fee Schedule in BCU Deposit Account Agreement at http://www.BCU.org for a list of fees applicable to this account.


3The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day non-cash items are placed (for example checks) into the account. During any statement cycle, no more than six withdrawals or transfers to another credit union account or to a third party by means of a preauthorized, automatic, or computer transfer or telephonic order or instruction. Exceeding the withdrawal limit will result in a $3 fee for each additional transaction and the account may be subject to closure by the credit union. Balances that fall below $1,000 will earn the Regular savings rate.

IRA Money Market dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day you place non-cash items (for example checks) to your account. IRA Money Markets are not available in Puerto Rico.

 

 

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Certificates

5-month CD and 18-month CD

Promotional rate accurate as of 8/1/2021 and subject to change. The minimum new money deposit required to open a Certificate Account and obtain the above Annual Percentage Yield (APY) is $500. New money is defined as money not on deposit with BCU at or within 90 days prior to account opening. APY assumes that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Withdrawals and penalties may reduce earnings.


11-month CD

Promotional rate accurate as of 7/1/2021. The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings



1The minimum balance required to open a Certificate Account and obtain the above annual percentage yield (APY) is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. Penalty may reduce earnings. The APY is based on qualifying for the rewards rate. To qualify for a Rewards Rate Certificate Account, you must have two of the following relationships: direct deposit of at least $500 per month into a credit union checking account; at least $25,000 on deposit; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates.



2The minimum balance required to open an IRA Certificate Account and obtain the above APY is $500. The APY is based on the assumption that dividends will remain in the account until maturity. A penalty may be imposed for early withdrawal. IRA Certificate Accounts are not available in Puerto Rico.


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Regular Savings

*​​​​​​​​​​​​​​ Dividend rate and Annual Percentage Yield (APY) may change at any time. $5,000 minimum required to earn dividends. See Business Account Agreement, Disclosures and Fee Schedule for additional terms and conditions.


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Premier Business Checking

*Dividend rate and Annual Percentage Yield (APY) may change at any time. $5,000 minimum required to earn dividends. See Business Account Agreement, Disclosures and Fee Schedule for additional terms and conditions.

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Visa® Business Credit Card

*Offer available on new business accounts only. Limit of 7,500 points per business.


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Rewards Rates

1To qualify for a Rewards Rate, you must have two of the following relationships: direct deposit of at least $500 per month into a Credit Union checking account; at least $30,000 on deposit with the Credit Union; or a qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, Student Loans, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit.


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Enhanced Direct Deposit™

Enhanced Direct Deposit allows you to receive payroll and other electronic deposits up to two days ahead of your scheduled payday. It’s important to note, funds are not AVAILABLE for you to spend until they are reflected in the AVAILABLE BALANCE. Please be sure to confirm available funds in your account before withdrawing against this deposit. While BCU will try wherever possible to advance payroll direct deposits by up to 2 days, availability of funds ahead of the original scheduled pay date is not guaranteed. You should not rely on Enhanced Direct Deposit to satisfy the needs of scheduled bill or loan payments, or any other date-sensitive financial obligations.



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*Mention this offer to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 10/1/2021 - 10/31/2021 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash rebate. Current BCU loans are not eligible for the cash bonus. May not be combined with any other vehicle cash promotional offers. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), Prepaid Maintenance and Loan Payment Protection (LPP). The cash rebate will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.

 

1The calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. The information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances. APR is Annual Percentage Rate. Published rates are accurate as of 10/1/2021, and subject to change. Offer subject to credit approval. Rate applies to 2021 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.75% APR discount for buying through our Auto Buying Service. To receive this discount, an auto loan must be booked through BCU, and auto purchase must be made at a certified dealer through BCU’s Auto Buying Service purchasing process. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 1.39% and a term of 75 months would have a monthly payment of $348.22.



2APR is Annual Percentage Rate. Published rates are accurate as of 10/1/2021, and subject to change. Offer subject to credit approval. Rate applies to 2021 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 2.14% and a term of 75 months would have a monthly payment of $357.04.

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Auto Buying Service

*Mention this offer to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 8/1/2021 - 8/31/2021 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash rebate. Current BCU loans are not eligible for the cash bonus. May not be combined with any other vehicle cash promotional offers. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), Prepaid Maintenance and Loan Payment Protection (LPP). The cash rebate will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.

**Between 1/1/20 and 12/31/20, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the Baxter Credit Union Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $3,655. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.



1APR is Annual Percentage Rate. Published rates are accurate as of 10/1/2021, and subject to change. Offer subject to credit approval. Rate applies to 2021 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.75% APR discount for buying through our Auto Buying Service. To receive this discount, an auto loan must be booked through BCU, and auto purchase must be made at a certified dealer through BCU’s Auto Buying Service purchasing process. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 1.39% and a term of 75 months would have a monthly payment of $348.22.



2APR is Annual Percentage Rate. Published rates are accurate as of 10/1/2021, and subject to change. Offer subject to credit approval. Rate applies to 2021 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 2.14% and a term of 75 months would have a monthly payment of $357.04.

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Financing Your Car

*Mention this offer to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 8/1/2021 - 8/31/2021 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash rebate. Current BCU loans are not eligible for the cash bonus. May not be combined with any other vehicle cash promotional offers. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), Prepaid Maintenance and Loan Payment Protection (LPP). The cash rebate will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.

 

1The calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. The information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances. APR is Annual Percentage Rate. Published rates are accurate as of 10/1/2021, and subject to change. Offer subject to credit approval. Rate applies to 2021 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed includes an additional 0.75% APR discount for buying through our Auto Buying Service. To receive this discount, an auto loan must be booked through BCU, and auto purchase must be made at a certified dealer through BCU’s Auto Buying Service purchasing process. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 1.39% and a term of 75 months would have a monthly payment of $348.22.



2APR is Annual Percentage Rate. Published rates are accurate as of 10/1/2021, and subject to change. Offer subject to credit approval. Rate applies to 2021 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 2.14% and a term of 75 months would have a monthly payment of $357.04.


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Refinancing Your Car

1The calculator is a self-help tool used to quickly estimate the loan amount or monthly payment that fits your budget. The information is provided for illustrative purposes only. Rates are subject to change, and your loan terms may vary based on your individual circumstances.



2APR is Annual Percentage Rate. Published rates are accurate as of 10/1/2021, and subject to change. Offer subject to credit approval. Rate applies to 2021 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). Call for rates on older model vehicles. Loan amount will be determined by income and other factors. The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Individual rates may vary based on credit score and other factors. An example of payment terms are as follows: an amount financed of $25,000 with an APR of 2.14% and a term of 75 months would have a monthly payment of $357.04.


*Mention this offer to your Loan Representative to determine if you qualify to receive the cash bonus. Auto purchase and refinance loans must be funded between 8/1/2021 - 8/31/2021 to qualify. Additionally, a minimum loan amount of $10,000 is required to receive this cash rebate. Current BCU loans are not eligible for the cash bonus. May not be combined with any other vehicle cash promotional offers. The total amount financed may include proceeds for loan protection coverage such as Guaranteed Asset Protection (GAP), Mechanical Repair Coverage (MRC), Prepaid Maintenance and Loan Payment Protection (LPP). The cash rebate will be awarded in the form of a direct deposit to your Credit Union checking or savings account within 3 business days from the funding date of the loan.

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Financing Your RV or Boat

1APR is subject to change. Receive a 0.50% rate discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit.


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HomeAdvantage® program is made available to you through a relationship between BCU and HomeAdvantage®. Program Cash Rewards are awarded by HomeAdvantage® to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage®

 

**All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.

 

1Annual Percentage Rate (APR) shown as of 5/6/2019. APR is subject to change without notice. APR shown assumes a purchase transaction of a single family detached, primary residence in Illinois; a loan-to-value ratio of 80% or less; a minimum FICO score of 740; a loan amount of $240,000 and a 45 day rate lock period. APR shown assumed an estimated $1,820 in prepaid finance charges. The monthly payment schedule for a $240,000 loan would be 360 monthly payments of $1,145.80 at an APR for 4.063%. This monthly payment example is based on principle and interest only and does not include PMI, taxes, insurance, or other applicable escrows. Actual payments may be greater. Feed and charges apply. Offer subject to credit approval.


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HomeAdvantage®

HomeAdvantage® program is made available to you through a relationship between BCU and HomeAdvantage®. Program Cash Rewards are awarded by HomeAdvantage® to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage®

 

1The HomeAdvantage property valuation tool is an estimate of value based on the location of the property as well as the availability, accuracy and dependability of market data in the area. It is not an appraisal—it is a computer-generated estimate of worth that should be considered as a starting point in your search for market knowledge. HomeAdvantage is not liable for the usage of this valuation beyond the intention mentioned here.

 

2Average cash rewards calculated based on 579 home closings with a real estate agent in the HomeAdvantage network of approved agents between 1/1/2020 and 12/31/2020.

 

3Combined cash reward savings calculated based on 3,267 home closings with a real estate agent in the HomeAdvantage network of approved agents between 4/1/2010-12/31/2021.

 

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Buying Your Home

HomeAdvantage® program is made available to you through a relationship between BCU and HomeAdvantage®. Program Cash Rewards are awarded by HomeAdvantage® to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage®



**All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.


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Financing Your Home

1HomeAdvantage® program is made available to you through a relationship between BCU and HomeAdvantage®. Program Cash Rewards are awarded by HomeAdvantage® to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage®



2Program incentives/savings (Rebates) are awarded to buyers and sellers who select and use an Approved Agent in the HomeAdvantage network. Please notify HomeAdvantage which agent you select. Members are not eligible for any program incentives/savings if they select an agent outside the HomeAdvantage network. Examples of rebate amounts shown here are based on 3% commission rate; your agent’s commission rate may differ.

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Home Equity

1A Home Equity Loan or Line of Credit must be transferred to the Credit Union from another financial institution to qualify. Cash back amount will vary by state. GA, WI, AZ, FL, MD, and NY members will receive $200 cash back. All other states will receive $250 cash back. Cash back amount will be deposited into your Credit Union savings or checking account when the loan closes. We will not deposit the cash back amount into an account at another financial institution. Applies to loans up to 80% LTV (loan-to-value). Must take a minimum initial advance of $20,000 in new money in order to be eligible for the cash back offer. Existing Credit Union Home Equity Loans/Lines of Credit and Credit Union First Mortgages do not qualify for this offer.



2APR is Annual Percentage Rate. The APR is a variable rate based on the highest Prime Rate published in the “Money Rates” section of The Wall Street Journal on the first business day of the calendar month. The APR on BCU’s equity line products vary between 2.99% and 18.00%, depending on your approved commitment amount, product and credit qualifications. Rates shown assume an automated payment method. You may reduce your APR up to 0.50% with Rewards Rates. This includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month into your credit union checking account; at least $25,000 on deposit, or a loan in good standing. Qualifying loan types include mortgage, home equity, auto, and credit card. Closing costs vary by state and range from $700-$1300. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed. Property insurance is required; flood insurance may be required. Offer applies to owner-occupied residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Consult your tax advisor regarding the deductibility of interest. All loans subject to final credit approval, which includes verification of application information and receipt of collateral documents.



3Closing costs vary by state and range from $700-$1300. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed.



4You may reduce your APR up to 0.50% with Rewards Rates. This includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 per month into your credit union checking account; at least $25,000 on deposit, or a loan in good standing. Qualifying loan types include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.


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SmartBuyer™

1All loan applications are subject to a full underwrite and require verification of income, assets, employment and rental history if applicable. All loans are also subject to final credit approval, which includes verification of application information and receipt of collateral documents. This offer applies to owner-occupied residential properties only. (Single family homes, condos and townhomes). To qualify, you must demonstrate that you haven’t owned a home in the last three years. Loan not available in Puerto Rico.

 

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Deposit Secured Loans & Lines of Credit

1APR is Annual Percentage Rate. APR is subject to change. The rates listed assume an automatic payment method and include a 0.50% discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

 

2APR for loans secured by certificates will be 1% more than the annual percentage yield (APY) on the certificate.

 

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Stock Secured Loans & Lines of Credit

1APR is Annual Percentage Rate. APR is subject to change. The rates listed assume an automatic payment method and include a 0.50% discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.


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Credit Builder Loan

1Results are not guaranteed and the improvement in your credit score is dependent on your financial behavior. Even if you are paying your loan, credit problems on other accounts you own such as late payments, missed payments and other defaults may impact your credit score. This loan will not remove negative credit history from your credit report.



2APR is Annual Percentage Rate. APR is subject to change. The rate listed assumes a loan term up to 24 months. The rate is subject to credit certification and approval. An example of payment terms are as follows: an amount financed of $1,000 with an APR for 4.50% and a term of 12 months would have a monthly payment of $85.39.



3The minimum loan amount of $500 is required to earn dividends. The dividend rate and annual percentage yield (APY) may change at any time. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. The dividend period for this account is monthly. Dividends will begin to accrue on the business day loan proceeds are placed into the account. If the account is closed before accrued dividends are credited, accrued dividends will not be paid. No withdrawals are allowed during the repayment of the loan. Loan funds and dividends earned will be moved to a regular savings and become available for use after full repayment of the loan.


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Tuition Reimbursement Loan

*Loans are subject to approval. Rates, terms and conditions subject to change without notice. Rates accurate as of 8/1/2020.

 

1APR=Annual Percentage Rate. The APR is variable and is based on the Prime Rate as published in The Wall Street Journal (Index) plus a margin between 2.25% and 11.00% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective the first day after the index value changes. The APR rates listed assume an automated payment method and include a 0.50% discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. All rates are subject to credit certification and approval. Maximum APR for all credit is 18.00%.

 

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1APR is Annual Percentage Rate. APR is subject to change. The rates listed assume an automatic payment method, a loan term up to 36 months and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $7,500 with an APR for 12.75% and a term of 60 months would have a monthly payment of $171.41.



2APR=Annual Percentage Rate. The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 2.25% and 11.00% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective the first day of the following month. The rates listed assume an automated payment method and include a 0.50% discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. All rates are subject to credit certification and approval. Maximum APR for all credit is 18.00% and minimum is 4.99%.



3APR = Annual Percentage Rate. Rates subject to change. Rates accurate as of 8/1/2021. The APR is based on the Prime Rate as published in The Wall Street Journal "Market Data Center" Section (Index). The APR is subject to change each time there is a change in the Index and will be effective on the first day of each calendar month. The APR will be calculated each month by adding a margin between +1.24% and +5.50% to the Prime Rate and is based on the credit profile. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). Rate includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval.



4APR is Annual Percentage Rate. APR is effective 11/1/2020 and is subject to change. Express Loans have an interest rate of 25.99% and a $15 origination fee, taken from loan proceeds at the time of funding, for an effective annual percentage rate (APR) of 27.124%-31.046% APR, based on the amount borrowed. Example: A $1,000 Express Loan with a term of twelve months would have a 28.417% APR, including the origination fee of $15, and a monthly payment of approximately $97.44.


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Personal Loan & Line of Credit

1APR is Annual Percentage Rate. APR is subject to change. The rates listed assumes an automatic payment method, a loan term up to 36 months and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher. An example of payment terms are as follows: an amount financed of $7,500 with an APR for 12.75% and a term of 60 months would have a monthly payment of $171.41.

 

2Members will receive a 0.50% discount for having two of the following relationships: a checking account with direct deposit of at least $500 per month; at least $25,000 on deposit with the credit union; or another qualifying loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval. The rates shown are the lowest available and your rate may be higher.

 

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Unsecured Home Improvement Line of Credit

1APR = Annual Percentage Rate. Rates subject to change. Rates accurate as of 8/1/2021. The APR is based on the Prime Rate as published in The Wall Street Journal "Market Data Center" Section (Index). The APR is subject to change each time there is a change in the Index and will be effective on the first day of each calendar month. The APR will be calculated each month by adding a margin between +1.24% and +5.50% to the Prime Rate and is based on the credit profile. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). Rate includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 or more into a credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include: Mortgage, Home Equity, Auto, and Credit Cards. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Any Credit Union loan that is not in good standing or delinquent will disqualify you for Rewards Rates. Rewards discount cannot be applied to Credit Cards, CD Secured Loans and Stock, CD and Deposit Secured Lines of Credit. All rates are subject to credit certification and approval.


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Express Loan

1APR is Annual Percentage Rate. APR is effective 11/1/2020 and is subject to change. Express Loans have an interest rate of 25.99% and a $15 origination fee, taken from loan proceeds at the time of funding, for an effective annual percentage rate (APR) of 27.124%-31.046% APR, based on the amount borrowed. Example: A $1,000 Express Loan with a term of twelve months would have a 28.417% APR, including the origination fee of $15, and a monthly payment of approximately $97.44.


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Loans are subject to approval. Rates, terms and conditions subject to change without notice.

 

APR = Annual Percentage Rate.

 

Student Loans and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.


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Undergraduate Loans

Loans are subject to approval. Rates, terms and conditions subject to change without notice.

 

APR = Annual Percentage Rate

 

1The APR is based on the Prime Rate as published in The Wall Street Journal "Market Data Center" Section (Index). The APR will be calculated each quarter by adding a margin between +0.75% and +7.15% to the Prime Rate and is based on the credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan) or fall below 4.00% (floor rate). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments. Rate discounts are applied at time of repayment.

 

2Fixed Rate will be set when the loan is approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner's, if applicable) credit history. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments. Rate discounts are applied at time of repayment.

 

Student Loans and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.


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Graduate Loans

Loans are subject to approval. Rates, terms and conditions subject to change without notice.

 

APR = Annual Percentage Rate

 

1The APR is based on the Prime Rate as published in The Wall Street Journal "Market Data Center" Section (Index). The APR will be calculated each quarter by adding a margin between +0.75% and +7.15% to the Prime Rate and is based on the credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan) or fall below 4.00% (floor rate). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments. Rate discounts are applied at time of repayment.

 

2Fixed Rate will be set when the loan is approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner's, if applicable) credit history. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments. Rate discounts are applied at time of repayment.

 

Student Loans and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.


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Refinance Loans

Loans are subject to approval. Rates, terms and conditions subject to change without notice.

 

APR = Annual Percentage Rate

 

1Variable Rate is based on the Prime Rate as published in The Wall Street Journal “Market Data Center” Section (Index). Your rate will be calculated each quarter by adding a margin between -1.51% and +2.42% to the Prime Rate and is based on your credit profile. The rate will not increase more than once a quarter but there is no limit on the amount the rate could increase at one time. If the Interest Rate increases, your monthly payments may be higher. Although the rate will vary after you are approved, it will never exceed 18.00% (the maximum allowable for this loan). The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

 

2Fixed Rate will be set when the loan is conditionally approved and will not increase above that rate before the loan is paid in full. The Interest Rate is based upon your (or your cosigner’s, if applicable) credit history and the repayment term you select. The rate listed includes a 0.25% discount for enrollment in automatic recurring payments.

 

Student Loans and underwriting is made available through BCU. Application processing is available from Credit Union Student Choice on behalf of BCU. Loan servicing and repayment is available from University Accounting Service, LLC on behalf of BCU.


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Credit Cards

1Earn 2 points per dollar on all net qualifying purchase transactions (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

 

2Offer only available on new accounts. You will receive 10,000 CURewards bonus points upon making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the bonus points. After qualifying, please allow 6-8 weeks for the rewards to post to the rewards balance.

 

3You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

 

4Offer only available on new accounts. You will receive $100 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle.

 

Visa® and Visa Signature® are registered trademarks of Visa International Service Association and used under license.

 

SavvyMoney® is a registered trademark of SavvyMoney, Inc.


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Cash Rewards Visa®

*You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

 

1Offer only available on new accounts. You will receive $100 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus. After qualifying, the cash bonus will post to your rebate balance within one billing cycle.

 

2APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and balance transfers, and all subsequent purchases and balance transfers will receive the standard APR for purchases and balance transfers. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.

 

3The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 8.15% and 14.65% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.


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Travel Rewards Visa®

*Earn 2 points per dollar on all net qualifying purchase transactions (purchases less credits, returns and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards.

 

1Points will not expire as long as the account is open and in good standing.

 

2Offer only available on new accounts. You will receive 10,000 CURewards bonus points upon making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the bonus points. After qualifying, please allow 6-8 weeks for the rewards to post to the rewards balance.

 

3APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and balance transfers, and all subsequent purchases and balance transfers will receive the standard APR for purchases and balance transfers. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.

 

4The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 8.15% and 14.65% based on the cardholder’s credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.

 

 


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Simply Visa®

1APR = Annual Percentage Rate. Offer available on new accounts only. Existing accounts are not eligible. For qualifying accounts, all purchases and balance transfers posted to the account during the first 365 days after the account open date, up to your available credit limit, will receive a promotional 0% APR. At day 366, the APR for any remaining promotional balances will increase to the standard APR for purchases and balance transfers, and all subsequent purchases and balance transfers will receive the standard APR for purchases and balance transfers. Balance Transfers may not be used to pay off or pay down any amount owed to the Credit Union. There is a transaction fee of 3% of the amount of each balance transfer. All existing payment terms apply.

 

2The APR will be based on the Prime Rate as published in The Wall Street Journal Money section (Index) plus a margin between 5.25% and 14.65% based on your credit profile. The Annual Percentage Rate is subject to change each time there is a change in the Index and will be effective on the first day of the next statement cycle. The Annual Percentage Rate will never be greater than 18.00%.


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LAUNCH™ Visa®

1APR = Annual Percentage Rate.


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Financial Well-Being Products

These four financial health indicators come from the financial health network’s FinHealth® Score Toolkit, which is used to measure financial health in the US.

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Planning & Wealth Management

For detailed information, including Form ADV Parts 1, 2, 2b, 3 (Form CRS), and Appendix 1 (Wrap Brochures) visit the SEC website.


*All references to BCU Wealth Advisors will mean BCU Wealth Advisors, LLC, a wholly-owned subsidiary of BCU. Investment advisory services are offered through BCU Wealth Advisors, LLC; an investment adviser registered with the United State Securities and Exchange Commission and domiciled in the State of Illinois. Insurance products and services in California are provided by Insurance Services of BCU. Non-deposit investment products and services are offered through CUSO Financial Services, L.P. ("CFS"), a registered broker-dealer (Member FINRA / SIPC) and SEC-registered investment adviser. Products and recommended securities offered through BCU Wealth Advisors or CFS: are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk including possible loss of principal. Investment Representatives are registered through CFS. Baxter Credit Union has contracted with CFS to make non-deposit investment products and services available to credit union members. Financial Advisors are registered to conduct securities business and licensed to conduct insurance business in limited states. Response to, or contact with, residents of other states will be made only upon compliance with applicable licensing and registration requirements. The information in this website is for U.S. residents only and does not constitute an offer to sell, or a solicitation of an offer to purchase brokerage services to persons outside of the United States. This website is not to be directly or indirectly interpreted as a solicitation of investment advisory services to residents of a jurisdiction unless the firm is notice-filed, registered or is eligible for exemption from notice-filing or registration in that jurisdiction. The contents of this webpage are not to be copied, quoted, excerpted or distributed without express written permission of the firm. Nothing on this webpage is intended as legal, accounting, or tax advice, and is for informational purposes only.


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Value Savings Finder

Auto Loans

Savings is a first year estimate based on a purchase of a new vehicle with an auto loan balance of $30,000. Actual savings may vary. BCU rate accurate as of 1/1/21 and subject to change. BCU rate applies to 2021 and newer vehicles with a loan term of up to 75 months (based on credit worthiness), up to 100% LTV (loan to value). The rate listed also assumes an automatic payment method and includes a 0.50% discount for having two of the following relationships: direct deposit of at least $500 or more into your credit union checking account; at least $25,000 on deposit with the credit union; or a loan in good standing. Qualifying loans include mortgage, home equity, auto, and credit card. A qualifying loan must have a current balance and credit cards must have a transaction within the past 30 days. Industry average rate based on best car loan rates from Bankrate.com as of 1/6/21.

 

Auto Buying Service

Between 1/1/19 and 12/31/19, the average savings off MSRP experienced by consumers who connected with a TrueCar Certified Dealer through the Baxter Credit Union Auto Buying Program and who were identified as buying a new vehicle from that Certified Dealer was $3,422. Your actual savings may vary based on multiple factors, including the vehicle you select, region, dealer, and applicable vehicle-specific manufacturer incentives, which are subject to change. The MSRP is determined by the manufacturer and may not reflect the price at which vehicles are generally sold in the dealer's trade area, as many vehicles are sold below MSRP. Each dealer sets its own pricing.

 

Cash Rewards Visa

The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Member value is based on the Cash Rewards Visa assuming an average annual spend of $10,000 and a standard cash rebate of 1.50% on all qualifying purchases in the first year compared to a credit card with no cash back rewards. You will automatically earn 1.5% cash back on net purchases (purchases less any credits, returns, and adjustments). Cash advances, balance transfers, and checks used to access your account are not considered purchases and will not earn rewards. Offer only available on new accounts. You will receive $100 cash bonus after making purchases totaling at least $1,000 (exclusive of credits, returns and adjustments) that post to your account within 90 days of the account open date. Account must be in good standing to receive the cash bonus.

 

Home Equity LOC

The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Applicable to U.S. service offerings only excluding Puerto Rico. Average Credit Union member savings of $673.51 is based on an internal study performed 6/19/2018. Overall savings based on interest paid over 1 year after consolidating $6,354 in credit card debt, the average balance on credit cards in 2017 according to Experian.com, with a BCU interest only home equity line of credit (IO HELOC). Comparison made between BCU’s average APR for IO HELOCs in Q1 2018 and the Q1 2018 average rate for an interest assessed credit card plan according to the Federal Reserve. APR is Annual Percentage Rate. The APR is a variable rate based on the highest Prime Rate published in the “Money Rates” section of The Wall Street Journal on the first business day of the calendar month. The APR on BCU’s equity line products vary between 2.99% and 18.00%, depending on your approved commitment amount, product and credit qualifications. Rates shown assume an automated payment method. Closing costs vary by state and range from $700-$1300. Closing costs paid by BCU are limited to appraisal, flood determination, title insurance and recording fees. Costs to satisfy certain prior liens may be assessed. Property insurance is required; flood insurance may be required. Offer applies to owner-occupied residential 1-4 family properties and is subject to no less than a second lien position on your property and is subject to our underwriting standards. Consult your tax advisor regarding the deductibility of interest. All loans subject to final credit approval, which includes verification of application information and receipt of collateral documents.

 

First Mortgage

The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Applicable to U.S. service offerings only excluding Puerto Rico. Total saving based on a combination of $2,173 first year through a BCU SmartBuyer mortgage with no PMI and the $1,5771 average cash reward earned purchasing a home through the HomeAdvantage program. PMI savings calculated based on an internal study performed 1/18/2018. Actual PMI rates vary based on several factors including loan amount, FICO, and loan to value. The $181 per month ($2,173 per year) is an estimate of what members would have paid in PMI had they opted for a different loan program and is based on an internal study of SmartBuyer loans indicating an average FICO of 714, an average loan-to-value of 96.29% and an average loan amount of $241,413. Example PMI rates can be located here: https://micu.archcapgroup.com/Rate-Sheets. HomeAdvantage® program is made available to you through a relationship between BCU and CU Realty Services. Program Cash Rewards are awarded by CU Realty Services to buyers and sellers who select and use a real estate agent in the HomeAdvantage network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. CU Realty Services may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. HomeAdvantage® program is made available to you through a relationship between BCU and HomeAdvantage®. Program Cash Rewards are awarded by HomeAdvantage® to buyers and sellers who select and use a real estate agent in the HomeAdvantage® network. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using BCU for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage® may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Please consult with your credit union to get details that may affect you. States and/or major metropolitan areas included in the HomeAdvantage program include: Major metropolitan areas located within 49 states, excluding SD. New cities, states and real estate agents continuously join the program. If you do not see the area you’re interested in, contact HomeAdvantage at 800-203-9014. Terms and disbursement of cash rewards vary by state. HomeAdvantage® is a registered trademark of HomeAdvantage® Average cash rewards calculated based on 579 home closings with a real estate agent in the HomeAdvantage network of approved agents between 1/1/2020 and 12/31/2020.

 

PowerPlus Checking

The projected savings are for illustrative purposes only and your actual savings may differ based on the account terms and conditions, rates and fees. The projected savings are based on estimates; there is no guarantee of savings either expressed or implied. Applicable to U.S. service offerings only excluding Puerto Rico. Average BCU Credit Union member savings of $261.63 per year based on an internal study performed 12/31/2017. Calculation based on a blended rate of 0.89% APY (annual percentage yield) paid out to members in PowerPlus Checking compared to a 0.39% APY market average rate for interest checking per Bloomberg, in addition to ATM refunds paid to members, no foreign ATM fees charged for non-BCU ATM usage, two days of additional interest income from Enhanced Direct Deposits, $29 overdraft fee versus average fee of $34 (see CFPB report), and no overdraft transfer fees compared to the $10-$12 fees generally applied (nerdwallet). See Service Charges and Fees Schedule in BCU Deposit Account Agreement for further terms and conditions of PowerPlus Checking.

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