Personal Loans

Our Personal Loans offer an excellent opportunity to finance big expenses at our lowest interest rates.

Use a personal loan to fund your unique needs, including:

  • Expensive gifts
  • Travel
  • School expenses
  • Cash savings for the unexpected

We offer a variety of term lengths and interest rates, and you can pay the loan off before the end of your term with no penalty. Personal loans offer the stability of a fixed rate and fixed monthly payment.

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Member Loyalty Rewards

Get more benefits from your membership with BFSFCU! Receive up to 0.50% off your Personal Loan rate if you qualify for Member Loyalty Rewards.

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Personal Loan Options

Personal Loans: Available for any purpose. No collateral is required; qualifying applicants can borrow on the strength of their signature alone.

Share Certificate Secured*: You may borrow from the Credit Union at preferred rates by using your Share Certificate Account (excluding Individual Retirement Accounts) as collateral.

Debt Consolidation Calculator

With interest rates at historical lows, you may be thinking about consolidating of your credit card and other personal debt into a single, manageable loan.

Consolidation loans can significantly reduce your required monthly payment because they are generally amortized over 10 or 15 years. Use this debt consolidation calculator to determine how quickly you could get out of debt and how much interest you might save.

Debt Consolidation Calculator


If you’re paying high-interest rates on credit cards or other loans, consider consolidating with a low-rate personal loan as low as 7.49% APR for qualifying members.1

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Table data for Personal Loans
Account Description Approximate Term Annual Percentage Rate (APR) Payment Example ($3,000 loan amount) Alert Me
Personal, Fixed 36 Months 7.990% 36 payments of $94
Personal, Fixed 48 Months 8.490% 48 payments of $74
Personal, Fixed 60 Months 8.990% 60 payments of $62
Personal, Fixed 72 Months 9.490% 72 payments of $55
Education, Fixed 36 Months 7.740% 36 payments of $94
Education, Fixed 48 Months 8.240% 48 payments of $74
Education, Fixed 60 Months 8.740% 60 payments of $62
Education, Fixed 72 Months 9.240% 72 payments of $54
Loan programs and interest rates on this page are subject to change and/or cancellation without notice. This is not a guaranteed offer of credit; underwriting guidelines apply.

1 7.49% APR achieved by applying maximum combined Member Loyalty Rewards discount of .50% to the standard Personal Loan Rate of 7.99%. To qualify for a 0.25% Member Loyalty Rewards discount, members must meet at least one of three criteria: have opened their membership within the past 90 days, have an existing mortgage with BFSFCU, have taken out a Personal or Auto Loan within the last two years. Maximum combined discount for Member Loyalty Rewards is 0.50%. All discounts may not be available, terms and conditions apply. Visit for more information.