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Loan Rates
January 4, 2010
| Product |
Term |
APR** (as low as) |
Payments Per Thousand Borrowed |
| New /Used Vehicle* |
up to 24 months |
4.74% |
$43.76 |
| New /Used Vehicle* |
up to 36 months |
4.74% |
$29.85 |
| New /Used Vehicle* |
up to 48 months |
4.74% |
$22.91 |
| New Vehicle* |
up to 60 months |
4.74% |
$18.75 |
| New Vehicle-10%down* |
72 months |
4.99% |
$16.10 |
| Vehicles-2004-2006* |
up to 12 months |
5.49% |
$85.83 |
| Vehicles-2004-2006* |
up to 24 months |
5.49% |
$44.09 |
| Vehicles-2004-2006* |
up to 36 months |
5.49% |
$30.19 |
| Cash Reserve |
N/A |
14.00% |
Revolving |
| Visa Platinum Credit Card |
Varied |
0% for first 6 months*** |
Revolving |
| Personal Loan (up to $5,000.00) |
up to 12 months |
12.00% |
$88.85 |
| Personal Loan (up to $5,000.00) |
up to 24 months |
12.00% |
$47.07 |
| Personal Loan (up to $5,000.00) |
up to 36 months |
12.00% |
$33.21 |
| Personal Loan (up to $5,000.00) |
up to 48 months |
12.00% |
$26.33 |
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*95% financing available for new cars;
100% financing up to the loan value
listed in the NADA Official Used Car
Guide for used cars. There will be an
additional charge of $25.00 for VSI
Insurance. NO REFINANCING OF BCU
VEHICLE LOANS. **APR=Annual Percentage
Rate. The rates quoted are accurate as
of the date indicated and are subject
to change. Terms are dependent upon
amount financed. Rates shown above are
for members with the best credit
profile. Other rates are available,
based on your credit score.
***introductory rate for first 6
months, then Prime + as low as 3.99%.
Dividend Rates
March 3, 2010
| Account Name |
Minimum Deposit |
Dividend Rate** |
APY* |
| Regular Share |
$25.00 |
0.35% |
0.35% |
| Statement Share |
$25.00 |
0.35% |
0.35% |
| Money Market Deposit Acct*** |
$2,500.00 |
0.70% |
0.70% |
| High Yield Money Market Acct# |
$25,000.00 |
1.01% |
1.01% |
| N.O.W. Checking |
$100.00 |
0.15% |
0.15% |
| Senior Checking |
$100.00 |
0.15% |
0.15% |
| Basic Checking |
$100.00 |
0.00% |
0.00% |
| Diamond Checking## |
$100.00 |
7.25%## |
7.50%## |
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*APY is Annual Percentage Yield. The
rates quoted are accurate as of the
date indicated and are subject to
change. Dividends are credited to your
account and compounded every month.
This schedule is incorporated as a
part of your account agreement with
your Credit union. **All savings rates
are variable, this means the dividend
rate and annual percentage yield may
change at any time as determined by
the Board of Directors. The rates
quoted are accurate as of the date
indicated and are subject to change.
***The rate on balances under
$2,500.00 is 2.00% (APY is 2.02%).
#The rate on balances under $25,000.00
is 1.00% (APY is 1.00%)##DIAMOND
CHECKING - The dividend rate of 7.50%
Annual Percentage Yield (APY) will be
guaranteed to May 7, 2010. To obtain
this rate the owner(s) of the account
must complete two (2) of the following
three (3) requirements: Four (4) point
of sale transactions with a BCU
MasterMoney Card or BCU ATM card per
month, one direct deposit per month,
and using BCU’s on-line banking during
each statement cycle. Failure to
complete 2 out of the 3 requirements
will result in a rate of the current
BCU N.O.W. checking account rate. The
rate of 7.50% APY will be paid on the
first $1,934.00, any excess funds will
earn BCU’s current N.O.W. checking
account rate. After May 7, 2010 the
dividend rate and APY may change at
any time, as determined by the credit
union’s board of directors.
Share and IRA Certificate Rates
March 3, 2010
| Term |
Minimum Balance |
Dividend Rate* |
APY* |
| 6 Month |
$2,500.00 |
1.00% |
1.00% |
| 12 Month |
$2,500.00 |
1.34% |
1.35% |
| 18 Month |
$1,000.00 |
1.54% |
1.55% |
| 30 Month |
$1,000.00 |
1.74% |
1.75% |
| 36 Month |
$1,000.00 |
2.13% |
2.15% |
| 6 Month IRA |
$2,000.00 |
1.00% |
1.00% |
| 30 Month IRA |
$500.00 |
2.13% |
2.15% |
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*APY is Annual Percentage Yield. The
rates quoted are accurate as of the
date indicated and are subject to
change. Certificate rates remain fixed
for the term of the certificate.
Unless otherwise paid, dividends will
be credited to your account and
compounded every month. A penalty may
be imposed for withdrawals before
maturity. If you have any questions or
need current rate information on your
accounts, please call (781)598-5555.
Rates subject to change.
Updated by
dm
on
03/02/2010 17:12:29
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