Shared Branching
Loan Rates
Vehicle Rates (Autos, Boats & RV’s)
| Platinum Rates - 2021 or Newer | APR* (as low as) |
|---|---|
| 36 months | 4.24% |
| 48 to 60 months | 4.24% |
| 72 months (limited to 2022 & newer) | 4.24% |
| 84 months (limited to 2022 & newer) | 5.49% |
| 2020 - 2018 models | add 1.50% |
| 2017 & older models | add 3.00% |
⭐ Limited Time: Get Up to $500 Cash Back on Your Auto Loan ⭐
Offer valid on new/used auto loans only. Requires minimum of $5,000 new money financed with BGCU to qualify. Cash back is calculated based on 1% of new money financed up to a maximum of $500 and will be deposited into your BGCU checking account at closing. If the loan is paid off within 90 days, the cash back amount will be added to the loan payoff. A BGCU checking account and direct deposit with payroll deduction or automatic loan payments is required. Loan approval subject to credit qualifications and underwriting standards. Offer subject to change or end without notice. Other restrictions may apply. Membership eligibility required.
Fixed Rate Mortgages
| Fixed Rate Mortgage | Term | APR* (as low as) |
|---|---|---|
| 1st Mortgage (to 85% LTV) | 10 years | 5.740% |
| 1st Mortgage (to 85% LTV) | 15 years | 5.240% |
| 1st Mortgage (to 85% LTV) | 30 years | 6.240% |
Home Equity Options
| Home Equity Loan 2nd Mortgage | APR* (as low as) |
|---|---|
| 5 year balloon (Up to 80.00% LTV) | 5.99% |
| Home Equity Line of Credit | APR** (as low as) |
| Variable rate - (Changes quarterly to Prime Rate) Up to 80.00% LTV, Rate based on credit score |
6.75% Max rate 17.50% |
Other Loan Types
| Type | Term | APR* (as low as) |
|---|---|---|
| Share Secured | 36 Months | 4.00% |
| Unsecured Loans | Up to 60 Months | 10.49% |
| Certificate Secured | Single payment note due at certificate maturity | 2.00% over certificate rate |
| Kwik Cash Line of Credit | N/A | 12.65% (variable rate - changes quarterly to Prime Rate) |
| Construction | Up to 12 months | 5.99% (up to 85% of cost or 80% of appraised value, whichever is less) |
| Land | Up to 60 month balloon | 1.00% over Home Equity Loan Rate |
| Lot | Up to 60 month balloon | 0.50% over Home Equity Loan Rate |