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.
NO MORE THAN TWO DISCOUNTS CAN BE COMBINED
|New Vehicles||84 months maximum||2.24%-18.00% APR*|
|Used Vehicles||84 months maximum||2.24%-18.00% APR*|
|All Other Vehicles|
|Boats, Motorcycles & RV’s||term same as new & used vehicles||3.74%-18.00% APR*|
|Farm Equipment||term same as new & used vehicles||3.74%-18.00% APR*|
|Signature Loans||36 months maximum||10.90%-18.00% APR*|
|Share Secured||24 months or less||7.50% APR*|
|25 months or more||8.50% APR*|
|Line of Credit||24 months maximum||10.90%-18.00% APR*|
|MasterCard Loans||Regular||3.90% APR* for first six months, 12.90% APR* thereafter|
|Secured||3.90% APR* for first six months, 12.90% APR* thereafter|
|Gold||3.90% APR* for first six months, 12.90% APR* thereafter|
|Home Equity Loan||60-180 months||3.75%-5.75%|
|Home Improvement Loan||60-180 months||3.75%-5.75%|
*APR = Annual Percentage Rate. Rates are subject to change without notice.
Rates are effective as of 7/1/2021
|Type||Minimum Opening Deposit||Dividend Rate||APY*||Minimum Balance to Earn Dividend||Dividend Frequency|
|Regular Share (Savings)||$25||0.30%||0.30%||$100||Quarterly|
|Share Drafts (Checking)||$20||0.05%||0.05%||$1,000||Monthly|
*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.