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% |
"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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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.
2Rate 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% |
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 |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
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% |
Rates are subject to change. A penalty may be imposed for early withdawal.