Begin your search for great rates at BTCU.
Whether you're looking for a great deal on a loan or simply want a higher yield on savings, we have some of the best rates in town.
Loans
Auto Loan
| Auto Loan | Autos 1 |
|---|---|
| Annual Percentage Rate (APR) | Rates as low as 3.14% |
Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Rate disclosed is based off credit scores of 740 and higher. Rate disclosed also includes .25% discount for automatic payment from a BTCU checking account. Loan is subject to credit approval. Rates are subject to change.
Motorcycle Loan
Vroom Vroom
| Motorcycle Loan | Motorcycles 1 |
|---|---|
| Annual Percentage Rate (APR) | Rates as low as 3.99% |
Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Disclosed rate includes .25% discount for automatic payment from a BTCU checking account. Loan is subject to credit approval. Rates are subject to change.
Boat Loan
Boat, motor and trailer
| Boat Loan | Boats 1 |
|---|---|
| Annual Percentage Rate (APR) | Rates as low as 3.99% |
Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Loan is subject to credit approval. Disclosed rate includes .25% discount for auto pay from BTCU checking account. Rates are subject to change.
Fish House Loan
| Fish House Loan | Fish Houses 1 |
|---|---|
| Annual Percentage Rate (APR) | Rates as low as 4.29% |
Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Disclosed rate includes .25% discount for auto pay from a BTCU checking account. Loan is subject to credit approval. Rates are subject to change.
Licensed Camper Loan
| Licensed Camper Loan | Licensed Campers 1 |
|---|---|
| Annual Percentage Rate (APR) | Rates as low as 4.29% |
Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Disclosed rate includes .25% discount for auto pay from a BTCU checking account. Loan is subject to credit approval. Rates are subject to change.
Recreational Vehicle Loan
| Recreational Vehicle Loan | Personal Recreational Vehicles 1 |
|---|---|
| Annual Percentage Rate (APR) | Rates as low as 4.99% |
Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Disclosed rate includes .25% discount for auto pay from BTCU checking account. Loan is subject to credit approval. Rates are subject to change..
Personal Loan
| Personal Loan | Personal Loan 1 |
|---|---|
| Annual Percentage Rate (APR) | Rates as low as 8.49% |
Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Disclosed rate includes a .25% discount for auto pay from a BTCU checking account. Loan is subject to credit approval. Rates are subject to change.
Line of Credit/Overdraft Protection
| Line of Credit/Overdraft Protection | Line of Credit/Overdraft Protection 1 |
|---|---|
| Annual Percentage Rate (APR) | Rates as low as 8.74% |
Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Loan is subject to credit approval. Rates are subject to change.
Home Equity Loan
| Home Equity Loan | Fixed-Rate 80% LTV 1 | Fixed-Rate 100% LTV 2 |
|---|---|---|
| Annual Percentage Rate (APR) | Rates as low as 3.79% |
Rates as low as 4.94% |
Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Loan is subject to credit approval. Rates are subject to change. Fixed-rate loan payment example: Assume loan amount of $25,000. Monthly payments on an 80% loan-to-value, 5-year amortization at 2.79% APR would equal $446.89. Closing costs vary by state. The average cost is $300 but can range from $50 to $3,000. Consult a tax advisor regarding the deductibility of interest.
2Annual Percentage Rate "APR" is fixed for the term of the loan. Actual rate is based on applicant's credit history and term of loan. Loan is subject to credit approval. Rates are subject to change. A minimum credit score of 740 is required to obtain this rate. Fixed-rate loan payment example: Assume loan amount of $25,000. Monthly payments on an 100% loan-to-value, 5-year amortization at 4.94% APR would equal $471.08. Closing costs vary by state. The average cost is $300 but can range from $50 to $3,000. Consult a tax advisor regarding the deductibility of interest.
Home Equity Line of Credit
| Home Equity Line of Credit | Variable-Rate 80% LTV 1 |
|---|---|
| Annual Percentage Rate (APR) | Rates as low as 4.00% |
Annual Percentage Rate "APR" may vary. The maximum APR is 15.00%. Loan is subject to credit approval. Rates are subject to change. Closing costs vary by state. The average cost is $300 but can range from $50 to $2,000. Consult a tax advisor regarding the deductibility of interest.
Savings
| Savings | Labor Saver 1 | Secondary Savings 1 | Advantage Savings 1 | IRA Savings 1 |
|---|---|---|---|---|
| Minimum Deposit to Open | $25 | None | $2,500 | $100 |
| Minimum Balance to Obtain APY | $300 | $300 | $2,500 | $100 |
| Annual Percentage Yield (APY) | 0.05% | 0.05% | 0.07% = $2,500-$9,999.99 0.09% = $10,000-$49,999.99 0.12% = $50,000-$99,999.99 0.15% = $100,000 or more |
0.24% = $2,500-$9,999.99 0.29% = $10,000-$49,999.99 0.39% = $50,000-$99,999.99 0.44% = $100,000 or more |
| Compound & Credit Frequency | Quarterly; Quarterly | Quarterly; Quarterly | Monthly; Monthly | Quarterly; Quarterly |
| Monthly Fee | None | None | $20 if balance falls below $2,500 | None |
APY = Annual Percentage Yield. Rates are effective 07/01/2021. Rates are subject to change and may change after the account is opened. Fees may reduce earnings on the account.
Share Certificates
| Share Certificates | 6-Month 1 | 12-Month 1 | 24-Month 1 | 36-Month 1 | 48-Month 1 | 60-Month 1 |
|---|---|---|---|---|---|---|
| Minimum Deposit to Open | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
| Minimum Balance to Obtain APY | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
| Annual Percentage Yield (APY) | 0.39% | 0.54% | 0.59% | 0.74% | 0.79% | 1.04% |
| Interest Rate | 0.39% | 0.54% | 0.59% | 0.74% | 0.79% | 1.04% |
APY = Annual Percentage Yield. Rates are effective 07/01/2021 and subject to change. A penalty may be imposed for early withdrawal.
IRA Share Certificates
| IRA Share Certificates | 6-Month 1 | 12-Month 1 | 24-Month 1 | 36-Month 1 | 48-Month 1 | 60-Month 1 |
|---|---|---|---|---|---|---|
| Minimum Deposit to Open | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
| Minimum Balance to Obtain APY | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 | $1,000 |
| Annual Percentage Yield (APY) | 0.39% | 0.54% | 0.59% | 0.74% | 0.79% | 1.04% |
| Interest Rate | 0.39% | 0.54% | 0.59% | 0.74% | 0.79% | 1.04% |
APY = Annual Percentage Yield. Rates are effective 07/01/2021 and subject to change. A penalty may be imposed for early withdrawal.