Member Loyalty Discounts:
Enjoy up to 0.50% off Auto and RV rates.

.25% Loan Loyalty Discount

Members with current loan or loan paid off within past three years including credit card

.25% Member Loyalty Discount

Members with ACTIVE checking account (10+ combined ACH and debit transactions in any of three previous months)

.25% Legacy Member Discount

20+ or more years of membership

.25% Saver Loyalty Discount

Members with combined savings balances (savings, Christmas Club, checking, IRA) of $20,000 or more.

.25% New Member Discount

New members who joined BHCSCU in the last six months

.25% Member Protection Discount

Members earn 0.20% discount off the base loan rate for mechanical breakdown coverage and 0.05% discount for GAP coverage.


Loan Rates

New Vehicles84 months maximum2.24%-18.00% APR*
Used Vehicles84 months maximum2.24%-18.00% APR*
All Other Vehicles
Boats, Motorcycles & RV’sterm same as new & used vehicles3.74%-18.00% APR*
Farm Equipmentterm same as new & used vehicles3.74%-18.00% APR*
Signature Loans36 months maximum10.90%-18.00% APR*
Share Secured24 months or less 7.50% APR*
25 months or more 8.50% APR*
Line of Credit24 months maximum10.90%-18.00% APR*
MasterCard LoansRegular3.90% APR* for first six months, 12.90% APR* thereafter
Secured3.90% APR* for first six months, 12.90% APR* thereafter
Gold3.90% APR* for first six months, 12.90% APR* thereafter
Home Equity Loan60-180 months3.75%-5.75%
Home Improvement Loan60-180 months3.75%-5.75%

*APR = Annual Percentage Rate. Rates are subject to change without notice.

Rates are effective as of 7/1/2021


TypeMinimum Opening DepositDividend RateAPY*Minimum Balance to Earn DividendDividend Frequency
Regular Share (Savings)$250.30%0.30%$100Quarterly
Share Drafts (Checking)$200.05%0.05%$1,000Monthly
Christmas Club$250.20%0.20%$25Annually
IRA (all)$250.50%0.50%$25Quarterly

*APY = Annual Percentage Yield. Accurate as of 9/30/16.

Rates are effective as of 7/31/20.

Dividends – The Board of Directors reserves the right to change dividend rates without notice.