Loan Rates

Vehicle

New Vehicle – Fixed Rate Loans – Effective November 1, 2024*

APR Maximum Term
84 Months

New Vehicle – Variable Rate Loans

APR Maximum Term Margin Minimum APR
84 Months

APR – Annual Percentage Rate

*These are our lowest rates offered, your rate may vary depending on your credit history*

A car is considered “NEW” if it is next year’s, this year’s, or last year’s model with <20,000 miles.

SAMPLE VEHICLE LOAN TERMS:  $25,000.00 loan at 3.25%, 84 monthly payments of $333.14. This is just a sample, rates may vary.

Used Vehicle (less than 6 model years old) – Fixed Rate Loans

APR Maximum Term
84 Months

Used Vehicle (less than 6 model years old) – Variable Rate Loans

APR Maximum Term Margin Minimum APR
84 Months

Used Vehicle (greater than 6 model years old) – Fixed Rate Loans

APR Maximum Term
72 Months

Used Vehicle (greater than 6 model years old) – Variable Rate Loans

APR Maximum Term Margin Minimum APR
72 Months

APR – Annual Percentage Rate

*These are our lowest rates offered, your rate may vary depending on your credit history*

SAMPLE VEHICLE LOAN TERMS: $20,000.00 loan at 3.75%, 84 monthly payments of $271.07. This is just a sample. Rates may vary.

*The Auto Loan rates are a special rate. Please ask for more information.

Recreational

New RVs & Boats – Effective November 1, 2024

Loans APR Maximum
Fixed Rate

120 Months
144 Months
180 Months

New RVs & Boats

Loans APR Maximum Term Margin Minimum APR
Variable Rate *
*
* 		120 Months
144 Months
180 Months



Used RVs & Boats

Loans APR Maximum Term
Fixed Rate 96 Months

Used RVs & Boats

Loans APR Maximum Term Margin Minimum APR
Variable Rate 96 Months

APR – Annual Percentage Rate

These are our lowest rates offered. Your rate may vary depending on your credit history

A car is considered “NEW” if it is next year’s, this year’s, or last year’s model with <20,000 miles.

SAMPLE NEW VEHICLE LOAN TERMS:  $25,000.00 loan at 3.25%, 84 monthly payments of $333.14. This is just a sample. Rates may vary.

SAMPLE USED VEHICLE LOAN TERMS:  $20,000.00 loan at 3.75%, 84 monthly payments of $271.07. This is just a sample. Rates may vary.

*This is a start up rate.

SAMPLE RV/BOAT LOAN TERMS:  $40,000.00 loan at 4.25%, 144 monthly payments of $355.09.

Visa

Terms and Conditions

Interest Rate Information
Annual Percentage Rate (APR)
Other APRs (Cash advances and balance transfers)
Finance Charge Information
Finance charges, how they are computed:
Purchases – Charges Accrue After: 25 Day Grace Period Unless Balance Paid In Full, then No Finance Charge will be assessed
Cash Advances – Charges Accrue: Immediately  
Method Used to Compute Finance Charge: Avg. Daily Balance Including New Purchases  
Other Charges
Annual Fee None
Late Payment Fee $10.00
Over Limit Fee None
ATM Fee $1.00 after 5 free/month
Return Check Fee $12.00
Card Replacement $5.00
Document Copy Fee $10.00
Foreign Transaction Fee 1% of transaction amount

To obtain a copy of the BCSCU Visa Credit Card Agreement please call (541) 754-7765 or email us your request.

Home Equity Rates

Home Equity Line of Credit Loans – Effective November 1, 2024

APR* Daily Periodic Rate Loan Term Margin Minimum APR*
5-Year Draw Period
10-Year Draw Period
Annual Percentage Rate

See below for a payment example.

This account may adjust quarterly as indicated above. The maximum adjustment per adjustment period is .50%, or 2.00% annually, based on our Index. The Index is the monthly average of the Six Month Treasury Bill Rate (Auction High) rounded up to the next .50%. The maximum rate under this plan is 6% higher than your starting rate (discounted rates do not apply), or the maximum permitted by law, whichever is less. The special variable APR (if any) is a start up rate that will apply to your loan for the first year of your HELOC Loan, after which time it will change based on the index and margin offered.

FEES AND CHARGES
You must pay certain fees to third parties to open the HELOC Plan. These fees generally total between $0.00 and $1,000.00. If you ask, we will provide you with an itemization of the fees you will have to pay third parties. There are no transaction fees to use this account, annual fees to keep it open, or any other fee associated with the use of this account.

APR – Annual Percentage Rate
These are our lowest rates offered, your rate may vary depending on your credit history

PAYMENT EXAMPLE:

All Closed End Home Equity Loans require a monthly payment. The following example of potential payments is based on a loan of $10,000.00, using our current offered superior rate for each loan term indicated.

Term of Loan Interest Rate (APR) # of Payments Amount of Monthly Payment
6 Years $
– – 1 $
10 Years $
– – 1 $
15 Years $
– – 1 $

Please contact our Loan Department for additional information.

Mortgage Rates

First Mortgage Rates as of November 18, 2024

Term APR
15-Year Fixed New Loan - Some restrictions apply
15-Year Fixed Refinance - Some restrictions apply
30-Year Fixed New Loan - Some restrictions apply
30-Year Fixed Refinance - Some restrictions apply
3-1 ARM - Starting Rate
5-1 ARM - Starting Rate

We offer both fixed rate and adjustable rate purchase and refinance Mortgage Loans. We don’t charge points and we don’t require Private Mortgage Insurance (PMI). We provide LOW CLOSING COSTS and quick turn-around!

For more information contact our loan department. We can be reached at (541) 754-7765 or toll free (800) 807-7893.

Personal Loan Rates

Personal Line of Credit – rate Effective November 1, 2024

Variable APR Daily Periodic Rate Loan Term Margin Minimum APR
60 Months

Signature Loans - rates Effective November 1, 2024

APR Loan Term
24 Months
36 Months
60 Months

Consolidation Loans – rates Effective November 1, 2024

APR Loan Term
36 Months
48 Months
60 Months

These are our lowest rates offered, your rate may vary depending on your credit history.