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    Effective Date: March 1, 2010
    Vehicle Loans
        24
    Months
    36
    Months
    48
    Months
    60
    Months
    72
    Months
    84
    Months
    Late Model
    (2007-2010)
    80% Financing
    As Low As
    3.59% 4.04% 4.04% 4.04% 4.04% 5.04%
    90% Financing
    As Low As
    3.84% 4.29% 4.29% 4.29% 4.29% 5.29%
    100% Financing
    As Low As
    4.09% 4.54% 4.54% 4.54% 4.54% 5.54%
    New Year Special: .25% discount from above rates; limited time offer; Refinance of existing BCU loans not eligible for discount. Additional .10% discount when Credit Life/ Disability insurance is purchased.
    Note: Rates for LTV's of 110% and above may be higher depending upon borrower’s Credit history.
    Match-A-Rate: Bluebonnet will match the late model vehicle loan rate of any local financial institution.
    (excludes dealer financing programs)
    Used Vehicles
    Model Year % Financing Maximum Term Rate
    2006 and older
    80% Kelly Blue Book
    Trade-in Value
    60 Months As Low As 5.09%
    90% Kelly Blue Book
    Trade-in Value
    60 Months As Low As 5.34%
    100% Kelly Blue Book
    Trade-in Value
    60 Months As Low As 5.59%
    Classic Vehicles 100% Kelly Blue Book
    or C.P.I. Value
    60 Months As Low As 13.09%
    (TT&L MAY BE FINANCED FOR QUALIFIED BORROWERS)
    Note: Rates for LTV's of 110% and above may be higher depending upon borrower’s Credit history.

    Real Estate Loans
    1-5 Yrs 6-10 Yrs 11-15 Yrs 16-20 Yrs
    Home Improvement
    (1st Lien)
    ($5,000 - $350,000)
    As Low As 5.42% 5.70% 5.95% N/A
    Home Equity
    (1st Lien)
    ($5,000 - $350,000)
    As Low As 4.44% 4.69% 5.19% 6.50%
    Home Equity Line of Credit (first lien) ($10,000 - $350,000) As Low As 4.00%*
    *Variable monthly
    First Mortgage Call for rates

    Boats/RVs/Motorcycles/Tractors
    Late Model Boats (2007-2010)
    Term   Financing
        80% 90% 100%
    Up to 60 Months As Low As 5.24% 5.49% 5.74%
    61 to 120 Months As Low As 5.74% 5.99% 6.24%
    New RVs, TTs, Motorcycles, Tractors
    (maximum term varies by loan type)
    As Low As 6.70% 6.95% 7.20%
    Used (2006 and older),
    RVs, TTs, Motorcycles, Tractors

    (maximum term varies by loan type)
    As Low As 7.99% 8.24% 8.49%
    Used Boats (2006 and older)
    (maximum term varies by loan type)
    As Low As 7.49% 7.74% 7.99%

    Unsecured Loans
    Loan Amount Max Term     Rate
    Signature $200-3,000 60 Months As Low As 6.99%
    $3,001-5,000 60 Months As Low As 7.99%
    $5,001-10,000 60 Months As Low As 8.99%
    $10,001-30,000 60 Months As Low As 9.99%
    Credit Card Consolidation .25% below signature loan rates*
    Income/Property Tax Loan/RetirePlan Distribution .25% below signature loan rates**
    Open-End Line-of-Credit As Low As Prime + 2% (Variable)
    *Loan proceeds must be payable to creditors. **Loan proceeds must be payable to taxing authority or retirement plan administrator.

    Secured Loans
    B.C.U. Share Pledged 3.00% above Regular Savings Rate
    CD Secured 3.00% above CD rate
    Stock Secured Prime + 1 1/2%
    Computer Loan($3,000 Limit) As Low As 9.75%

    Educational Loans
    Educational Club Loan          9.44%
    (Limited to existing Educational Club Participants)
    Federal Family Student Loans     Call for Rates

    Actual rate is determined by applicant's credit history. If loan is not repaid via payroll deduction or automatic transfer from Bluebonnet savings or checking account, rates may be higher for some applicants.

    We do business in accordance with the Fair Housing Law and the Equal Credit Opportunity Act.

    1314 Texas, Ste 1800 Houston, TX 77002-6312 713.646.2820 800.582.8275 FAX 713.646.2802

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