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All terms are approximate and are included only as a basis for computing an approximate payment. Click here to calculate loan payments Apply Online | 90-day note | | Minimum amount: $1,001. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 90 days | 12.240 | 12.240 | $1,030.85 |
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| First Mortgage Fixed | | 1% origination fee plus actual closing costs, 95% financing. Up to 80% Loan-to-Value (LTV) will be charged the base rate, shown here. 80% - 89% LTV will be charged the base rate + .25%; 90% - 95% will be charged the base rate + .75%. The APR will vary based on loan amount, the APR shown here is for a $100,000 loan. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 5 yrs | 4.000 | 4.787 | $18.42 | | 10 yrs | 4.500 | 4.919 | $10.36 |
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| First Mortgage Variable | | Caps: 2% annual, 6% lifetime, 1% origination fee plus actual closing costs. Up to 80% Loan-to-Value (LTV) will be charged the base rate, shown here. 80% - 89% LTV will be charged the base rate + .25%; 90% - 95% will be charged the base rate + .75% | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 30 yrs | 3.375 | 3.481 | $4.42 |
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| Home Equity | | Variable rate. $100,000 maximum. The rate shown is the rate you pay, regardless of credit score. | | Term | Rate | Apr | Payments per $1,000 borrowed | | 20 yrs | 4.25 | 4.25 | $6.19 |
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| Home Improvement | | Variable rate. $15,000 maximum. The rate shown is the rate you pay, regardless of credit score. | | Term | Rate | Apr | Payments per $1,000 borrowed | | 10 yrs | 5.00 | 5.00 | $10.61 |
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| Line of Credit | | $10,000 maximum. The rate shown is the base rate. Your rate may be higher or lower depending on your credit score. Approval is not based on credit score. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 60 mos | 12.240 | 12.240 | $22.37 |
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| New Autos, Trucks, Vans | To be considered "new" the vehicle can be up to two years old with fewer than 15,000 miles and has not been previously financed by the applicant at BECU.
Variable rate on 72 mos, & 84 mos. 72 mos available on loans over $10,000, 84 mos available on loans over $30,000.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score.
No money down! Borrow up to 115% of the car's value. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 36 mos | 1.49 | 1.49 | $28.42 | | 60 mos | 1.99 | 1.99 | $17.52 | | 72 mos | 1.99 | 1.99 | $14.75 | | 84 mos | 2.99 | 2.99 | $13.21 |
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| New Consumer Goods | | Use this loan to get essentials for your home like furniture, applicances, computers, musical equipment, etc. No down payment required. 48 months available on loans over $3,000. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 36 mos | 9.500 | 9.500 | $32.03 | | 48 mos | 10.000 | 10.000 | $25.36 |
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| New Farm Equipment/Lawn & Garden | | No down payment, variable rate. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 72 months | 4.500 | 4.500 | $15.87 |
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| New Mobile Homes | | Finance up to 90%. The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 15 years | 5.500 | 5.500 | $8.17 |
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| New Motorcycles, Boats, and ATVs | To be considered "new" the vehicle can be up to two years old with fewer than 15,000 miles and has not been previously financed by the applicant at BECU.
Variable rate on 72 mos, & 84 mos. 72 mos available on loans over $10,000, 84 mos available on loans over $30,000.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score. | | SPECIAL! New Boats ONLY | Term | Base Rate | Apr | Payments per $1,000 borrowed | | up to 60 mos | 2.99 | 2.99 | $17.96 |
| Term | Base Rate | Apr | Payments per $1,000 borrowed | | 36 mos | 3.99 | 3.99 | $29.52 | | 60 mos | 3.99 | 3.99 | $18.41 | | 72 mos | 3.99 | 3.99 | $15.64 | | 84 mos | 3.99 | 3.99 | $13.67 |
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| New and Used RVs, Houseboats, Cabin Cruisers | | No down payment. Variable rate on loans over $15,000. The rate shown is the base rate. Your rate may be higher on your credit score. Approval is not based on credit score. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | $0-$15k, 60 mo. | 9.500 | 9.500 | $21.00 | | $15k-$30k, 84 mo. | 4.500 | 4.500 | $13.90 | | $30k-$50k, 120 mo. | 4.500 | 4.500 | $10.36 | | $50k+, 180 mo. | 5.500 | 5.500 | $8.17 |
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| Personal Loan | | $25,000 maximum. The rate shown is the base rate. Your rate may be higher or lower depending on your credit score. Approval is not based on credit score. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 60 mos | 12.240 | 12.240 | $22.37 |
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| Pledge Loan | | The rate shown is the rate you pay, regardless of credit score. | | Type | Rate | When due | | TSA Lump-Sum | TSA rate + 2% | Due upon TSA maturity | | Share Lump-Sum | Share rate + 2% | Due date is discretionary | | TSA Periodic Payments | TSA rate + 2.5% | Due upon TSA maturity | | Share Periodic Payments | Share rate + 2.5% | Due date is 12 months |
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| Unimproved Property | | 1% origination fee plus actual closing costs, 85% financing. Up to 80% Loan-to-Value (LTV) will be charged the base rate, shown here. 80% - 85% LTV will be charged the base rate + .25%. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 5 yrs | 7.000 | 7.669 | $19.80 | | 10 yrs | 7.500 | 7.872 | $11.87 | | 15 yrs | 8.000 | 8.278 | $9.56 |
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| Used Mobile homes/farm equipment | | Variable rate on 72 mos. The rate shown is the base rate. Your rate may be higher or lower depending on your credit score. Approval is not based on credit score. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | <$4,000, 24 mo. | 11.500 | 11.500 | $46.84 | | $4k-$6k, 36 mo. | 11.500 | 11.500 | $32.98 | | $6k-$15k, 48 mo. | 11.500 | 11.500 | $26.09 | | >$15k, 72 mo. | 5.500 | 5.500 | $16.34 |
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Used Autos, Trucks, Vans - Model year 2009 - 2013, up to 100k mi | Variable rate on 60 mos & 72 mos. 60 mos available on cars valued over $3,500, 72 mos available on cars valued over $20,000.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score.
No money down! Borrow up to 115% of the car's value. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 36 mos | 1.99 | 1.99 | $28.64 | | 60 mos | 1.99 | 1.99 | $17.52 | | 72 mos | 2.99 | 2.99 | $15.19 |
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| Used Autos, Trucks, Vans- Model year 2008 and older or 100k+ miles | Variable rate on 60 mos & 72 mos. 72 mos available on cars valued over $20,000.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score.
No money down! Borrow up to 115% of the car's value. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 36 mos | 2.99 | 2.99 | $29.08 | | 60 mos | 2.99 | 2.99 | $17.96 | | 72 mos | 3.99 | 3.99 | $15.64 |
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| Used Boats, Motorcycles, ATVs | Variable rate on 60 mos & 72 mos. 60 mos available on items valued over $3,500, 72 mos available on items valued over $20,000.
The rate shown is the lowest available rate. Your rate may be higher depending on your credit score. Approval is not based on credit score. | | Term | Base Rate | Apr | Payments per $1,000 borrowed | | 36 mos | 3.99 | 3.99 | $29.52 | | 60 mos | 3.99 | 3.99 | $18.41 | | 72 mos | 4.99 | 4.99 | $16.10 |
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| Visa | | $10,000 maximum. No annual fee, fixed rate. The rate shown is the rate you pay, regardless of credit score. | | Term | Rate | Apr | Payments per $1,000 borrowed | | n/a | 9.900 | 9.900 | $30.00 |
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