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

Car & Truck Loan

Car & Truck Loan New Vehicle 1 Used Vehicle
Annual Percentage Rate (APR) Rates as low as
2.99%
Rates as low as
3.19%
1 

"New" means not previously titled. Rate 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.

Motorcycle Loan

Vroom Vroom

Motorcycle Loan New Motorcycle 1 Used Motorcycle 1
Annual Percentage Rate (APR) Rates as low as
3.59%
Rates as low as
3.79%
1 Rate 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.

Boat Loan

Boat, motor and trailer

Boat Loan New Boat 1 Used Boat 1
Annual Percentage Rate (APR) Rates as low as
3.59%
Rates as low as
3.89%
1 Rate 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.

Fish House Loan

Fish House Loan New Fish House 1 Used Fish House 1
Annual Percentage Rate (APR) Rates as low as
3.89%
Rates as low as
4.09%
1 Rate 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.

Licensed Camper Loan

Licensed Camper Loan New Licensed Camper 1 Used Licensed Camper 1
Annual Percentage Rate (APR) Rates as low as
3.89%
Rates as low as
4.09%
1 Rate 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.

Recreational Vehicle Loan

Recreational Vehicle Loan New Personal Rec 1 Used Personal Rec 1
Annual Percentage Rate (APR) Rates as low as
4.49%
Rates as low as
4.99%
1 

Rate 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.

Personal Loan

Personal Loan Personal Loan 1
Annual Percentage Rate (APR) Rates as low as
7.74%
1 Rate 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.

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%
1 Rate 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
3.49%
Rates as low as
4.69%
1 

Rate 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 3.49% APR would equal $454.68. 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.

2 

Rate 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 680 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 4.69% APR would equal $468.24. 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
4.45%
1 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 Mini-Labor Saver 1 Advantage Savings 1 IRA Savings 1
Minimum Deposit to Open $25 None $5 $2,500 $100
Minimum Balance to Obtain APY $300 $300 $5 $2,500 $100
Annual Percentage Yield (APY) 0.15% 0.15% 0.15% 0.35% = $2,500-$9,999.99
0.40% = $10,000-$49,999.99
0.50% = $50,000-$99,999.99
0.55% = $100,000 or more
0.40% = $2,500-$9,999.99
0.45% = $10,000-$49,999.99
0.55% = $50,000-$99,999.99
0.60% = $100,000 or more
Compound & Credit Frequency Daily; Quarterly Daily; Quarterly Daily; Quarterly Daily; Monthly Quarterly; Quarterly
Monthly Fee None None None $20 if balance falls below $2,500 None
1 

APY = Annual Percentage Yield. Rates are subject to change and may change after the account is opened. Fees may reduce earnings on the account.

Share Certificates

6-Month

6-Month $1,000-$9,999.99 1 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50,000 $100,000
Annual Percentage Yield (APY) 1.00% 1.10% 1.15% 1.20%
Interest Rate 1.00% 1.10% 1.15% 1.20%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.

12-Month

12-Month $1,000-$9,999.99 1 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50,000 $100,000
Annual Percentage Yield (APY) 1.20% 1.30% 1.40% 1.45%
Interest Rate 1.20% 1.30% 1.40% 1.44%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.

24-Month

24-Month $1,000-$9,999.99 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50,000 $100,000
Annual Percentage Yield (APY) 1.50% 1.60% 1.70% 1.75%
Interest Rate 1.49% 1.59% 1.69% 1.74%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.

36-Month

36-Month $1,000-$9,999.99 1 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50,000 $100,000
Annual Percentage Yield (APY) 1.90% 2.00% 2.10% 2.15%
Interest Rate 1.89% 1.98% 2.08% 2.13%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.

48-Month

48-Month $1,000-$9,999.99 1 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50 $100,000
Annual Percentage Yield (APY) 2.20% 2.30% 2.40% 2.45%
Interest Rate 2.18% 2.28% 2.38% 2.43%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.

60-Month

60-Month $1,000-$9,999.99 1 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50,000 $100,000
Annual Percentage Yield (APY) 2.50% 2.65% 2.75% 2.80%
Interest Rate 2.48% 2.62% 2.72% 2.77%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.

IRA Share Certificates

12-Month

12-Month $1,000-$9,999.99 1 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50,000 $100,000
Annual Percentage Yield (APY) 1.20% 1.30% 1.40% 1.45%
Interest Rate 1.20% 1.30% 1.40% 1.44%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.

24-Month

24-Month $1,000-$9,999.99 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50,000 $100,000
Annual Percentage Yield (APY) 1.50% 1.60% 1.70% 1.75%
Interest Rate 1.49% 1.59% 1.69% 1.74%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.

36-Month

36-Month $1,000-$9,999.99 1 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50,000 $100,000
Annual Percentage Yield (APY) 1.90% 2.00% 2.10% 2.15%
Interest Rate 1.89% 1.98% 2.08% 2.13%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.

48-Month

48-Month $1,000-$9,999.99 1 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50 $100,000
Annual Percentage Yield (APY) 2.20% 2.30% 2.40% 2.45%
Interest Rate 2.18% 2.28% 2.38% 2.43%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.

60-Month

60-Month $1,000-$9,999.99 1 $10,000-$49,999.99 1 $50,000- $99,999.99 1 $100,000 or more 1
Minimum Deposit to Open $1,000 $10,000 $50,000 $100,000
Minimum Balance to Obtain APY $1,000 $10,000 $50,000 $100,000
Annual Percentage Yield (APY) 2.50% 2.65% 2.75% 2.80%
Interest Rate 2.48% 2.62% 2.72% 2.77%
1 

Rates are subject to change. A penalty may be imposed for early withdawal.