Loan Rates as of January 9, 2019
Auto Loans
Vehicle Type |
Approximate Term |
APR* |
New |
Up to 84 Months |
3.99 to 16.25% |
2015 – 2019 |
Up to 72 Months |
4.25 to 18.50% |
2010 – 2014 |
Up to 72 Months |
5.00 to 21.25% |
2009 and older |
Up to 60 Months |
6.00 to 23.50% |
Boat, Jet Ski, Motorcycle, ATV and RV Loans
Vehicle Type |
Approximate Term |
APR* |
New Boat |
Up to 180 Months |
5.25 to 14.50% |
Used Boat |
Up to 144 Months |
6.25 to 15.00% |
New Jet Ski |
Up to 72 Months |
4.00 to 12.75% |
Used Jet Ski |
Up to 72 Months |
4.50 to 17.00% |
New RV |
Up to 180 Months |
5.25 to 14.50% |
Used RV |
Up to 144 Months |
6.25 to 15.00% |
New Motorcycle/ATV |
Up to 72 Months |
4.00 to 12.75% |
Used Motorcycle/ATV |
Up to 72 Months |
4.50 to 17.00% |
Personal Loans
Borrowed Amount |
Approximate Term |
APR* |
$300 - $10,000 |
Up to 60 months |
7.50 to 18.00% |
Overdraft Protection Loan
Borrowed Amount |
Approximate Term |
APR* |
$300 - $1,500 |
Revolving Account |
13.00 to 18.00% |
Business Overdraft Protection Loan
Borrowed Amount |
Approximate Term |
APR* |
$500 - $5,000 |
Revolving Account |
10.00 to 12.00% |
Share Certificate Secured Loan
APR* |
Approximate Term |
3.00% APR* above dividend rate earned by Share Certificate |
Up to 72 Months |
Savings Rates as of December 11, 2018
Savings Accounts
Account |
APY* |
Dividend Rate |
Share Savings |
0.10% |
0.10% |
IRA |
0.45% |
0.45% |
Vacation/Christmas Club |
0.10% |
0.10% |
Insurance/Tax Account |
0.00% |
0.00% |
Share Investment Accounts
Account |
APY* |
Dividend Rate |
$2,000.00 to $19,999.99 |
0.80% |
0.80% |
$20,000.00 to $74,999.99 |
0.90% |
0.90% |
$75,000.00 or greater |
1.00% |
1.00% |
Checking Accounts
Account |
APY* |
Dividend Rate |
Checking Account |
0.05% |
0.05% |
Grow Green Checking Account*** |
Qualifying rate up to $15,000 |
1.51% |
1.50% |
Non Qualifying rate up to $15,000 |
0.05% |
0.05% |
$15,000.01 More |
0.05% |
0.05% |
Business Checking Accounts
Minimum Balance |
APY* |
Dividend Rate |
$0.00 to $24,999.99 |
0.05% |
0.05% |
$25,000 to $49,999.99 |
0.20% |
0.20% |
$50,000 to $99,999.99 |
0.25% |
0.25% |
$100,000 to $249,999.99 |
0.30% |
0.30% |
$250,000 to $499,999.99 |
0.35% |
0.35% |
$500,000 or greater |
0.35% |
0.35% |
Savings Rates as of December 11, 2018
Share and IRA Certificates
Term |
APY* |
Dividend Rate |
6 months |
1.00% |
1.00% |
12 months |
1.81% |
1.80% |
24 months*** |
2.12% |
2.10% |
36 months*** |
2.32% |
2.30% |
48 months*** |
2.43% |
2.40% |
60 months*** |
2.68% |
2.65% |
Share Certificate Specials
-
14 Month Celebration Certificate - 2.53% APY* (2.50% Dividend Rate)
A qualified minimum balance of $500 is required to open. A qualifying deposit is a deposit of $500 or more into a share certificate of funds that have not been on deposit at Baylands FCU in the past ninety (90) days.
*APY = Annual Percentage Yield. Dividends will compound and credit monthly. Qualified minimum balance $500. A qualifying deposit is a deposit of $500 or more into a share certificate of funds that have not been on deposit at Baylands FCU in the past ninety (90) days. This is a term deposit and you may receive a penalty for early withdrawal. Not eligible for the 0.05% Golden Benefits APR increase on certificates. Promotional rates do not apply to IRA Share Certificates. Fees may reduce earnings. Membership eligibility required. $5 must be deposited into a Share Savings Account in order to open a Share Certificate Account. This rate is effective as of 10/19/18 and is subject to change. See Member Service Representative for additional disclosures. This credit union is federally insured by the National Credit Union Administration.
-
30 Month JUMBO Certificate - 3.15% APY** (3.10% Dividend Rate)
A minimum balance of $50,000.00 is required to open.
**APY = Annual Percentage Yield. Dividends will compound and credit monthly. Minimum balance $50,000. This is a term deposit and you may receive a penalty for early withdrawal. Not eligible for the 0.05% Golden Benefits APR increase on the 24 – 60 month certificates. Promotional rates do not apply to IRA Share Certificates. Fees may reduce earnings. Membership eligibility required. $5 must be deposited into a Share Savings Account in order to open a Share Certificate Account. This rate is effective as of 10/19/18 and is subject to change. See Member Service Representative for additional disclosures. This credit union is federally insured by the National Credit Union Administration.
If you have any questions or want Mortgage and Home Equity rates: please call us at (804) 843-2520 or (888) 843-2520.