Competitive Rates Designed for Our Members
Whether you’re financing a vehicle, planning a home project, or looking for everyday financial flexibility, BHFCU offers competitive rates and lending solutions designed to help you borrow with confidence.
As a member-focused financial cooperative, we’re committed to providing affordable options, flexible terms, and personalized service every step of the way.
Have Questions About Current Rates?
Contact a Loan Officer
954-625-3660 opt 4
Effective January 13, 2026
Vehicle Loans
| New Vehicles | Rates As Low As 4.99% APR* |
|
(2025-2026 under 36,000 miles) |
Extended Terms Available |
| Pre-Owned Vehicles | Rates As Low As 5.49% APR* |
| (2020-2024 under 100,000 miles) | Extended Terms Available |
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 - 2017 - 2019 |
7.99% |
|
|
Titled RVs |
6.00% |
|
|
Personal Loans |
10.24% |
|
|
Personal Line of Credit Loans |
10.24% |
|
|
Boats |
|
|
|
Motorcycles |
|
|
|
Share Secured |
3% Over Share Dividend |
Flexible Terms Available |
|
MasterCard |
As low as 8.49%3 |
|
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*APR = Annual Percentage Rate |
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Home Equity Loan Rates
Effective January 1, 2026
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 - 0.75%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 |
6.00% |
Fixed |
60 monthly payments of $19.349 for each $1,000.00 borrowed |
|
Home Equity Loan - 80% LTV or less |
7 Years |
6.25% |
Fixed |
84 monthly payments of $14.74 for each $1,000.00 borrowed |
|
Home Equity Loan - 80% LTV or less |
10 Years |
6.75% |
Fixed |
120 monthly payments of $11.36 for each $1,000.00 borrowed |
|
Home Equity Loan - 80% LTV or less |
15 Years |
7.00% |
Fixed |
180 monthly payments of $8.86 for each $1,000.00 borrowed |
|
1 APR = Annual Percentage Rate |
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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. 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 |
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