Rates
Dividend Rates
| Daily Balance | Payment Frequency | Annual Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| Regular Share Accounts | |||
| $5 - $500 | Quarterly | .30% | .30% |
| Over $501 | Quarterly | .30% | .30% |
| Individual Retirement Accumulations | |||
| $100 and over | Quarterly | 1.90% | 1.92% |
| Christmas Club Accounts | |||
| $5 and Over | Quarterly | .30% | .30% |
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 March 2025. 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 of 2025. 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
| Daily Balance | Minimum Opening Deposit | Annual Dividend Rate | Annual Percentage Yield |
|---|---|---|---|
| 180 Days | $1,000 | 4.11% | 4.17% |
| 12 Months | $1,000 | 3.94% | 3.99% |
| 18 Months | $1,000 | 3.94% | 3.99% |
| 24 Months | $1,000 | 3.70% | 3.75% |
Annual Percentage Yields offered as of March 26, 2025. Rates are subject to change without notice. Certificate Rates are set for the term of the account. Early withdrawal penalty applies.
Loan Rates
(Effective March 26, 2025)
Rates are subject to change without notice & are determined by credit rating.
New Vehicle Rates
| Term | Annual Percentage Rate |
|---|---|
| Up to 36 Months | 4.75% - 14.75% |
| Up to 48 Months | 4.75% - 14.75% |
| Up to 60 Months | 4.75% - 14.75% |
| Up to 72 Months | 5.25% - 15.25% |
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 vehicles up to 72 months on auto loans of $30,000 or more.**
Used Vehicle Rates
| Model | Term | Annual Percentage Rate |
|---|---|---|
| 0 - 5 Years Old | Up to 36 Months | 5.75% - 15.75% |
| Up to 48 Months | 5.75% - 15.75% | |
| Up to 60 Months | 6.25% - 16.25% | |
| 6 Years & OLDER (Up to 100 % of NADA Retail Value) |
Up to 36 Months | 8.75% - 18.00% |
**Finance up to 100% of NADA value of vehicles 5 years or newer with less than 100,000 miles.
Finance up to 100% of the NADA value of vehicles 6 - 10 years old.
Finance up to 90% of the NADA value of vehicles 11 years or older.
Vehicles with mileage over 100,000 miles will have an additional 1.5% 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) |
|---|---|
| 36 Months | Available upon request |
| 48 Months | Available upon request |
| 60 Months | Available upon request |
Signature Loans
| Description | Term | Annual Percentage Rate |
|---|---|---|
| Up to $5,000 | 36 Months | 10.25% - 18.00% |
**Finance $5,001 to $20,000 for a maximum term of 48 months (700+ credit score).**