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BCBST Employee
Credit Union

1 Cameron Hill
Chattanooga, TN 37402
Phone: (423) 535-6103
Fax: (423) 535-4801
To report a lost or stolen ATM/Debit card call:
1-800-264-5578.
Email Us

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Member Rates
Dividends Certificates Loans


Dividend Rates
Daily Balance Payment Frequency Annual Dividend Rate Annual Percentage Yield
Regular Share Accounts
$5 - over Quarterly .10% .10%
Individual Retirement Accumulations
$100 and over Quarterly 0.25% 0.25%
Christmas Club Accounts
$5 and Over Quarterly .05% .05%

This rate and fee schedule for all accounts sets forth certain conditions, rates, fees, and charges applicable to your accounts at the BCBST Employee Credit Union as of December 2016. This schedule is incorporated as part of your account agreement with the BCBST Employee Credit Union.

Dividends are based on the credit union's earnings at the end of each dividend period and cannot be guaranteed. Rates may change after an account is opened. The Dividend Rate and Annual Percentage Yield are the projected rates set forth by the board of directors for the 1st Quarter 2017. Dividends are calculated by the daily balance method, which applies a daily periodic rate to the principal in your account each day.


Share Certificate Rates
Term Minimum Opening Deposit Annual Dividend Rate Annual Percentage Yield
6 Months $1,000 0.35% 0.35%
12 Months $1,000 0.50% 0.50%
18 Months $1,000 0.60% 0.60%
24 Months $1,000 0.65% 0.65%

Annual Percentage Yields offered as of December 2016. Rates are subject to change without notice. Certificate Rates are set for the term of the account. Early withdrawal penalty applies.

Loan Rates

(Effective December 2016)
Rates are subject to change without notice & are determined by credit rating.

Loan CalculatorLoan Calculator

New Vehicle Rates
Term Annual Percentage Rate
Up to 36 Months 2.30% - 12.30%
Up to 48 Months 2.30% - 12.30%
Up to 60 Months 2.30% - 12.30%
Up to 72 Months 2.50% - 12.50%

Current and previous year models never titled are considered new vehicles. For qualified borrowers, the CU can finance up to 100% of M.S.R.P. or purchase price, whichever is less including taxes, tag and title fees. Rates are based on credit risk.

** Financing is available on new & used vehicles up to 48 months on loans less than $15,000 and up to 60 months on loans more than $15,000. **


Used Vehicle Rates
Model Term Annual Percentage Rate
0 - 5 Years Old Up to 36 Months 2.60% - 12.60%
Up to 48 Months 2.80% - 12.80%
Up to 60 Months 3.00% - 13.00%
6 Years & OLDER
(Up to 80 % of NADA Retail Value)
Up to 36 Months 4.00% - 14.00%

** Vehicles with mileage over 75,000 miles will have an additional .50 % added to the interest rate. The NADA loan value for vehicles with 100,000 miles or more will determine the amount financed. **


Special Interest Vehicles
(including boats & motorcycles)
New (100% of NADA) Used (90% of NADA)
Up to 36 Months 4.55% - 14.65% Up to 36 Months 5.20% - 15.65%
Up to 48 Months 4.65% - 14.75% Up to 48 Months 5.40% - 15.75%
Up to 60 Months 4.75% - 14.85% Up to 60 Months 5.50% - 15.85%


Share Secured Loans
100% Share Secured
Up to 12 Months 5.00%
Up to 36 Months 6.00%


Signature Loans
Up to $5,000 36 Months 7.00% - 17.00%
Line of Credit
(limit $2,500)
N/A 14.00% - 17.00%



ęCopyright 2013 BCBST Employee Credit Union All rights reserved.



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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.