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Loan Rates
All terms are approximate and are included only as a basis for computing an
approximate payment. Please see a BECU employee for complete details.
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| 90-day note |
| Minimum amount: $1,001 |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 90 days |
12.490 |
12.490 |
$1,031.83 |
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| First Mortgage Fixed |
| 1% origination fee plus actual closing costs, 95% financing |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 5 yrs |
4.750 |
5.327 |
$18.76 |
| 10 yrs |
5.500 |
5.821 |
$10.85 |
| 15 yrs |
5.875 |
6.108 |
$8.37 |
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| First Mortgage Variable |
| Caps: 1% annual, 5% lifetime, 1% origination fee plus actual closing costs |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 30 yrs |
5.000 |
5.125 |
$5.29 |
|
| Home Equity |
| Variable rate. $100,000 maximum |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 20 yrs |
6.000 |
6.000 |
$7.31 |
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| Home Improvement |
| Variable rate. $15,000 maximum |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 10 yrs |
6.750 |
6.750 |
$11.61 |
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| Line of Credit |
| Line of Credit |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 60 mos |
12.490 |
12.490 |
$22.50 |
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| New Consumer Goods |
| 48 mos. Available on loans over $3,000 |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 36 mos |
9.750 |
9.750 |
$32.16 |
| 48 mos |
10.250 |
10.250 |
$25.49 |
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| New Farm Equipment/Lawn & Garden |
| No down payment, variable rate |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 72 months |
7.250 |
7.250 |
$17.29 |
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| New Mobile Homes |
| New Mobile Homes |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 15 years |
8.250 |
8.250 |
$9.85 |
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| New Vehicles, Boats, Motorcycles |
| * variable rate on 72 mos, 84 mos, & 96 mos. 72 mos available on loans over $10,000, 84 mos available on loans over $30,000, 96 mos available on loans over $39,999 |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 36 mos |
4.500 |
4.500 |
$29.75 |
| 60 mos |
4.950 |
4.950 |
$18.85 |
| 72 mos |
5.250 |
5.250 |
$16.22 |
| 84 mos |
6.950 |
6.950 |
$15.07 |
| 96 mos |
8.250 |
8.250 |
$14.27 |
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| New and Used RVs, Houseboats, Cabin Cruisers |
| No down payment. $15k-$30k and greater variable rate |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| $0-$15k, 60 mo. |
9.750 |
9.750 |
$21.12 |
| $15k-$30k, 84 mo. |
7.250 |
7.250 |
$15.34 |
| $30k-$50k, 120 mo. |
7.250 |
7.250 |
$11.87 |
| $50k+, 180 mo. |
8.250 |
8.250 |
$9.85 |
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| Payday Lending Alternative Loan |
| $500 Maximum, no credit check required |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 6 mos |
18.000 |
18.000 |
$175.61 |
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| Personal Loan |
| Personal Loan |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 60 mos |
12.490 |
12.490 |
$22.50 |
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| Unimproved Property |
| 1% origination fee plus actual closing costs, 85% financing |
| Term |
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 |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| <$4,000, 24 mo. |
11.750 |
11.750 |
$46.97 |
| $4k-$6k, 36 mo. |
11.750 |
11.750 |
$33.11 |
| $6k-$15k, 48 mo. |
11.750 |
11.750 |
$26.22 |
| >$15k, 72 mo. |
8.250 |
8.250 |
$17.78 |
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| Used Vehicles, Boats, Motorcycles - Model year 2003 and older |
| variable rate on 60 mos & 72 mos. 72 mos available on cars valued over $20,000 |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 36 mos |
5.000 |
5.000 |
$29.97 |
| 54 mos |
5.250 |
5.250 |
$20.83 |
| 60 mos |
5.500 |
5.500 |
$19.10 |
| 72 mos |
5.750 |
5.750 |
$16.46 |
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| Used Vehicles, Boats, Motorcycles - Model year 2004 - 2008 |
| 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 |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| 36 mos |
4.750 |
7.750 |
$29.86 |
| 54 mos |
5.000 |
5.000 |
$20.72 |
| 60 mos |
5.250 |
5.250 |
$18.99 |
| 72 mos |
5.500 |
5.500 |
$16.34 |
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| Visa |
| Visa |
| Term |
Rate |
Apr |
Payments per $1,000 borrowed |
| n/a |
9.900 |
9.900 |
$30.00 |
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