Consumer Loans

Vehicle Loans

Are you looking to purchase a new or used vehicle?  Perhaps you are looking to lower your payment on your current car loan you have with another lender?  BFCU has an auto loan to fit your needs and more importantly, fit your budget.

We offer:

  • New and Used Auto Loans
  • Guaranteed Match or Beat Rate Program*
  • Auto Refinancing
  • Low Rates
  • Flexible Terms
  • Guaranteed Asset Protection (GAP)
  • Up to 84 months 

*excludes 0% financing.  Cannot go below current floor rate of 2.25%

 

Personal Loans

At BFCU we understand that from time to time, unexpected situations come up such as an auto repair or replacing that old water heater.   Our Personal Loans allow you to borrow without any collateral.  Borrow up to $15,000 depending on your credit score.

Share Secured Loans

BFCU offers an option of securing a loan using money you have in your Regular Share Savings or Share Certificate of Deposit.  A Share Secured Loan is a great option for those who need cash but do not wish to deplete their savings.  So essentially, you are borrowing money from yourself at a low interest rate.  Share Secured Loans are a good fit for those who wish to establish credit or repair existing credit.

Consumer Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!

No matter which card you choose, you'll enjoy important features like:

  • Convenient and Flexible Purchasing Power. Accepted at millions of locations worldwide.
  • Mobile purchasing capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.
  • Plus much more!

Learn More Apply Now

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Business Credit Cards

Choose from our popular business credit card options such as low rate, cash back or flexible rewards to find the one that works best for your business.

No matter which card you choose, your business will benefit from important features like:

  • Free online expense reporting tools.
  • No fee for additional employee cards.
  • Mobile payment capability for added convenience.
  • Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
  • Cardmember Service available 24 hours a day/365 days per year.

Learn More Apply Now

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Cash Reserve Line of Credit

With BFCU’s Cash Reserve Line of Credit, you will never have to worry about the possibility of unexpected overdrafts!  BFCU offers unsecured lines of credit up to $5,000 and you only pay for it when you use it.  You can use your Cash Reserve Line of Credit to:

  • Cover overdrafts in your checking account
  • Pay for unexpected car repairs
  • Replace a home appliance
  • Pay medical bills
  • Or for whatever you need!

As you advance, you can either pay your loan back through Online Banking, or we will send you monthly payment reminders.  Whatever works for you.

Relationship Pricing

BFCU offers relationship pricing discounts for our members who apply for consumer loans.** The following are the requirements:

  • .25% off published rates with Direct Deposit
  • .25% off published rates with any online loan application

**excludes Visa Credit Card and Cash Reserve Line of Credit

Apply for a Loan  Loan Rates