Loan Rates

Rates Effective 6/1/21 - 6/30/21

Loan Rates

Personal Loans
Personal loans can be used for almost any reason!
Borrow: $500.00 - $20,000.00
Terms: Up to 72 Months
Annual Percentage Rate as low as 6.49%
Example Payment: 72 monthly payments of $16.81 per $1,000.00 borrowed
Credit Cards
Earn uChoose Reward points on every purchase made!
Borrow: $500.00 - $15,000.00
Terms: Revolving
Annual Percentage Rate
  • as low as 12.00% on Classic
  • as low as 9.90% on Platinum
5.90% introductory rate on Platinum cards for the first 12 months
Credit Builder Loans
For new or improving borrowers. Ask for details!
Borrow: $1,000.00 (maximum amount)
Terms: Up to 11 Months
Annual Percentage Rate 18% with $50 application fee
Example Payment: 11 monthly payments of $99.29 per $1,000.00 borrowed
Share and Share Certificate Secured Loans
Share Secured
Terms: Up to 72 Months
Annual Percentage Rate as low as 2.25%
Example Payment: 72 monthly payments of $14.86 per $1,000.00 borrowed
Share Certificate Secured
Terms: Up to 72 Months
Annual Percentage Rate as low as 2.50%
Example Payment: 72 monthly payments of $14.97 per $1,000.00 borrowed
New Auto Loans
Autos 2021 to 2020 untitled.
Borrow: Up to 125% Loan to Value
Terms up to 72 Months
Annual Percentage Rate as low as 2.24%
Example Payment: 72 monthly payments of $14.86 per $1,000.00 borrowed
Used Auto Loans
Autos 2020 titled and older. Mileage may limit term.
Borrow: Up to 125% Loan to Value
Terms: Up to 72 Months
Annual Percentage Rate as low as 2.24%
Example Payment: 72 monthly payments of $14.86 per $1,000.00 borrowed
New & Used Recreational Loans
Finance your dream boat, RV, motorcycle or ATV.
Borrow: Up to 100% Loan to Value
Terms: Up to 72 Months
Annual Percentage Rate as low as 2.24%
Example Payment: 72 monthly payments of $14.86 per $1,000.00 borrowed
Home Equity Loans
Take advantage of the equity in your home!
Borrow: Up to 80% Loan to Value
Terms: Up to 60 months:
  • Annual Percentage Rate as low as 3.99%
Terms: Up to 120 months:
  • Annual Percentage Rate as low as 4.49%
Terms: Up to 180 months:
  • Annual Percentage Rate as low as 4.99%
Mortgage Loans
To apply, call State Financial Network at 800-426-7140 or 
click here to visit their website

Debt Protection

Unfortunately, sometimes life throws us unexpected events. Our Debt Protection is a voluntarily loan-payment protection program designed to help provide you with a safety net when you're dealing with certain life events such as death, disability, and even involuntary unemployment. On eligible loans, you can earn a 0.5% discount on your qualifying rate just for signing up for Debt Protection! Speak with a lending representative for more information!

Direct Deposit/Auto Transfer

Life is stressful and sometimes it's easy to miss a payment. Avoid the hassle and the late fees and sign up for direct deposit or auto transfer for your BAFCU loan! Signing up for direct deposit or auto transfer on eligible loans can earn you a 0.50% discount on your qualifying rate! Speak with a lending representative for more information!

*APR = Annual Percentage Rate. Rate based on creditworthiness of individual applicant and subject to change without notice. Regular qualifications apply. Must meet required criteria to be approved. Extended terms available but may affect qualifying rate. For more information, call lending at 856-696-2525 ext 6011.

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