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Effective Date: March 1, 2010
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Vehicle Loans
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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% |
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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.
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Note: Rates for LTV's of 110% and above may be higher depending upon borrower’s Credit history.
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Match-A-Rate: Bluebonnet will match the late model vehicle loan rate of any local financial institution.
(excludes dealer financing programs)
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| Used Vehicles |
| Model Year |
% Financing |
Maximum Term |
Rate |
2006 and older
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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% |
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| Classic Vehicles |
100% Kelly Blue Book
or C.P.I. Value |
60 Months |
As Low As 13.09% |
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(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.
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| Real Estate Loans |
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1-5 Yrs |
6-10 Yrs |
11-15 Yrs |
16-20 Yrs |
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Home Improvement
(1st Lien)
($5,000 - $350,000) |
As Low As |
5.42% |
5.70% |
5.95% |
N/A |
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Home Equity
(1st Lien)
($5,000 - $350,000) |
As Low As |
4.44% |
4.69% |
5.19% |
6.50% |
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Home Equity Line of Credit (first lien) ($10,000 - $350,000) As Low As 4.00%*
*Variable monthly |
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| First Mortgage |
Call for rates |
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Boats/RVs/Motorcycles/Tractors |
| Late Model Boats (2007-2010) |
| Term |
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Financing |
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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% |
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New RVs, TTs, Motorcycles, Tractors
(maximum term varies by loan type) |
As Low As |
6.70% |
6.95% |
7.20% |
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Used (2006 and older),
RVs, TTs, Motorcycles, Tractors
(maximum term varies by loan type) |
As Low As |
7.99% |
8.24% |
8.49% |
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Used Boats (2006 and older)
(maximum term varies by loan type) |
As Low As |
7.49% |
7.74% |
7.99% |
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Unsecured Loans
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Loan Amount |
Max Term |
Rate |
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| Signature |
$200-3,000 |
60 Months |
As Low As 6.99% |
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$3,001-5,000 |
60 Months |
As Low As 7.99% |
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$5,001-10,000 |
60 Months |
As Low As 8.99% |
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$10,001-30,000 |
60 Months |
As Low As 9.99% |
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| Credit Card Consolidation |
.25% below signature loan rates* |
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| Income/Property Tax Loan/RetirePlan Distribution |
.25% below signature loan rates** |
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| Open-End Line-of-Credit |
As Low As Prime + 2% (Variable) |
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| *Loan proceeds must be payable to creditors. **Loan proceeds must be payable to taxing authority or retirement plan administrator.
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Secured Loans
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| B.C.U. Share Pledged |
3.00% above Regular Savings Rate |
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| CD Secured |
3.00% above CD rate |
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| Stock Secured |
Prime + 1 1/2% |
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| Computer Loan($3,000 Limit) |
As Low As 9.75% |
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Educational Loans
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Educational Club Loan 9.44%
(Limited to existing Educational Club Participants) |
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| Federal Family Student Loans Call for Rates |
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| 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.
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We do business in
accordance with the Fair Housing Law and the Equal Credit Opportunity Act.
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