NOTICE: We have been notified that Kmart experienced a Data Breach between September 3, 2016 and April 3, 2017. BHCFCU is in the process of notifying each account holder affected as well as closing and issuing new debit cards for each account. We thank you for your continued support.

Effective April 1, 2017

Vehicle Loans

New Vehicles                     Extended Terms Available      Rates As Low As 1.99% APR*

Used Vehicles                    Extended Terms Available      Rates As Low As 1.99% APR*

 

Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness.


 
Other Loans
   
As Low As APR*
 
Notes

Other Secured w/ Title - 2006 - 2009 (under 100,000 miles) Extended Terms Available  

   

5.74%

   

Personal Loans

   

9.99%  

      

Personal Line of Credit Loans  

   

9.99%

    

Boats  - New       
            - Used

   

5.49%
6.49%  

     

Motorcycles - New
                        - Used  

   

4.99%
5.99%

      

Share Secured

   

3% Over Share Dividend  

 

Flexible Terms Available  

MasterCard  

   

As low as 8.49%3

 
    

*APR = Annual Percentage Rate
Rates shown reflect maximum discounts available. Rates are subject to change at any time. Rates are based on individual's creditworthiness. 3 See MasterCard Disclosure Below
Other loan types available - Contact us for more information  


Home Equity Loan Rates

Effective April 1, 2017

Home Equity Loans
Term
APR1 As Low As
Rate Type
Additional
Disclosures

Home Equity Line of Credit -  80% LTV or less

Minimum Term 15 Years

Prime + 0.50%2

Variable

The maximum annual percentage rate that may be imposed for the plan is 18%
 

Home Equity Loan -
80% LTV or less

5 Years

4.75%

Fixed

60 monthly payments of $18.76 for each $1,000.00 borrowed
 

Home Equity Loan -
80% LTV or less

7 Years

5.00%

Fixed

84 monthly payments of $14.14 for each $1,000.00 borrowed
 

Home Equity Loan -
80% LTV or less

10 Years

5.25%

Fixed

120 monthly payments of $10.73 for each $1,000.00 borrowed

Home Equity Loan -
80% LTV or less

15 Years

5.75%

 

Fixed

180 monthly payments of $8.31 for each $1,000.00 borrowed

1 APR = Annual Percentage Rate 
2The floor is 4.00% for home equity loans
Rates apply to Second Position Only
For First Position Rates Please contact one of our Credit Union NMLS Certified Mortgage Specialists

 


MasterCard Disclosure

Interest Rates and Interest Charges

   

Annual Percentage Rate (APR)

for Purchases

8.49% to 17.99%

when you open your account, based on your creditworthiness.

 

APR for Cash Advances

17.99%

APR for Balance Transfers

8.49% to 17.99% when you open your account, based on your creditworthiness.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month.

Minimum Interest Charge

If you are charged interest, the charge will be no less than $1.00. The minimum interest charge will not be charged on amounts below $1.00.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Set-up and Maintenance Fees -

Application Fee

 

$10.00 (one-time fee)

Transaction Fees -

Foreign Transaction Fee

 

1.00% of each transaction in U.S. dollars

Penalty Fees -

- Late Payment Fee

- Returned Payment Fee

 

Up to $25.00

Up to $25.00

How We Will Calculate Your Balance.     We use a method called "average daily balance (excluding new purchases)."

Effective Date.
The information about the costs of the card described in this application is accurate as of November 1, 2012. This information may have changed after that date. To find out what may have changed, contact the Credit Union.

Other Disclosures

Late Payment Fee

$25 or the amount of the required minimum payment, whichever is less, if you are five (5) or more days late in making a payment.

 

Returned Payment Fee

$25 or the amount of the required minimum payment, whichever is less.

Statement Copy Fee

$3.00

Document Copy Fee

$3.00

Rush Fee

$50.00

PIN Replacement Fee

$2.00

Card Replacement Fee

$15.00

Online Banking

   Username:
 
   Password:           
   Forgot Password?                

Credit Unions.

We're giving banking a better name.
Learn more....

LSCU - League of Southeastern Credit Unions & Affiliates