BFSFCU Figures - Bank-Fund Staff Federal Credit Union

Auto Loan Rates

Credit Card Rates

Mortgage Loan Rates

Home Equity Loan Rates

Personal Loan Rates

Checking Account Rates

Savings Account Rates

Share Certificate Account Rates

IRA Rates

Table data for Auto Loan Rates
01-16-2022
Term	Annual Percentage Rate (APR) New Vehicles¹	Payment Example ($20,000 loan amount)	Annual Percentage Rate (APR) Used Vehicles²	Payment Example ($20,000 loan amount)
36 Month Auto, Fixed	1.990%	36 payments of $573.00	2.490%	36 payments of $577.00

48 Month Auto, Fixed	2.490%	48 payments of $438.00	2.990%	48 payments of $443.00

60 Month Auto, Fixed	2.740%	60 payments of $357.00	3.240%	60 payments of $362.00

72 Month Auto, Fixed	2.740%	72 payments of $302.00	3.490%	72 payments of $308.00

96 Month Auto, Fixed³	4.240%	96 payments of $615.00³	N/A	N/A

Receive up to 0.750%: off on your rate when you qualify for extra discounts. Available discounts are as follows: Take 0.50% off the auto loan rate when you purchase your vehicle through BFSFCU’s car buying service powered by TrueCar. BFSFCU.org/Car Buying Service discount only available for the purchase of new and used vehicles, not refinance. Discount is only applicable for fixed rate loan terms up to 60 months. Take an additional 0.25% off the auto loan rate if your vehicle is considered environmentally friendly by the Environmental Protection Agency. Visit http://epa.gov/greenvehicles for more information. Total discounts may not exceed 0.750%. Refinancing offers are limited to auto loans you have with other lenders.
¹New Vehicles are vehicles for the current or immediately previous model year and an odometer reading of less than 5,000 miles.↵ ²Used Vehicles include any vehicle with an odometer reading of more than 5,000 miles or are older than the immediately previous model year.↵ ³New vehicles only. Minimum loan amount of $50,000 with a maximum loan-to-value (LTV) ratio of 80%.↵

Auto Loan Calculator

Table data for VISA® Credit Card Rates
01-16-2022
ANNUAL PERCENTAGE RATE (APR) FOR PURCHASES	BOLD Visa Platinum	BLUEPRINT Visa Platinum Secured	BEYOND Visa Signature	Alert Me
Introductory APR for a period of six (6) billing cycles.	3.90%	3.90%	0.00%

After that, your APR will vary with the market based on the Prime Rate.	7.24%	8.90%	12.90%

APR for Cash Advances	BOLD Visa Platinum	BLUEPRINT Visa Platinum Secured	BEYOND Visa Signature	Alert Me
Introductory APR	3.90% for a period of six (6) billing cycles.	3.90% for a period of six (6) billing cycles.	1.90% for a period of twelve (12) billing cycles.

After that, your APR will vary with the market based on the Prime Rate.	7.24%	11.90%	15.90%

APR for Balance Transfers	BOLD Visa Platinum	BLUEPRINT Visa Platinum Secured	BEYOND Visa Signature	Alert Me
Introductory APR	3.90% for a period of six (6) billing cycles.	3.90% for a period of six (6) billing cycles.	1.90% for a period of twelve (12) billing cycles.

After that, your APR will vary with the market based on the Prime Rate.	7.24%	11.90%	15.90%

Penalty APR	BOLD Visa Platinum	BLUEPRINT Visa Platinum Secured	BEYOND Visa Signature	Alert Me
This APR may be applied to the entire balance on your account if you are 60 days delinquent in making a payment.	16.25%	14.90%	17.90%

Interest Charges	BOLD Visa Platinum	BLUEPRINT Visa Platinum Secured	BEYOND Visa Signature	Alert Me
Minimum Interest Charge	None	None	None

Set-up and Maintenance Fees	BOLD Visa Platinum	BLUEPRINT Visa Platinum Secured	BEYOND Visa Signature	Alert Me
Annual Fee	None	None	None

Account Set-up Fee	None	None	None

Participation Fee	None	None	None

Account Maintenance Fee on Closed Accounts	None	None	None

Additional Card Fee	None	None	None

Transaction Fees	BOLD Visa Platinum	BLUEPRINT Visa Platinum Secured	BEYOND Visa Signature	Alert Me
Balance Transfer Fee	None	None	None

Cash Advance Fee	None	None	None

Foreign Transaction Fee	None	None	None

Penalty Fees¹	BOLD Visa Platinum	BLUEPRINT Visa Platinum Secured	BEYOND Visa Signature	Alert Me
Over-the-Credit-Limit Fee	None	None	None

Returned Payment Fee	Up to $25	Up to $25	Up to $25

¹How We Will Calculate Your Balance: We use a method called ”average daily balance (including new purchases).” Your due date is 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

Mortgage Rates

Loans to $647,200	Rate	APR	Points	Alert Me
10/1 ARM 30 Year	2.500%	2.790%	0.000%
7/1 ARM 30 Year	2.375%	2.823%	0.000%
5/5 ARM 30 Year	2.375%	3.390%	0.000%
5/1 ARM 30 Year	2.250%	2.864%	0.000%
3/3 ARM 30 Year	2.125%	3.236%	0.000%
Ten and Done (3 Yr ARM)	2.375%	3.307%	0.000%
Conforming 30 Yr Fixed	3.375%	3.416%	0.000%
Conforming 15 Yr Fixed	2.625%	2.698%	0.000%
Jumbo Loans above $647,200	Rate	APR	Points	Alert Me
10/1 ARM 30 Year	2.500%	2.769%	0.000%
7/1 ARM 30 Year	2.375%	2.803%	0.000%
5/5 ARM 30 Year	2.375%	3.369%	0.000%
5/1 ARM 30 Year	2.250%	2.843%	0.000%
3/3 ARM 30 Year	2.125%	3.214%	0.000%
Ten and Done (3 Yr ARM)	2.375%	3.251%	0.000%
BF Jumbo 15 Year Fixed	3.000%	3.034%	0.000%
BF Jumbo 30 Year Fixed	3.500%	3.519%	0.000%
High-Balance 30 Yr Fixed	3.500%	3.519%	0.000%
High-Balance 15 Yr Fixed	3.000%	3.034%	0.000%

* High-Balance mortgage loans are loans with original principal balances that exceed the general loan limits, but meet the high-cost area loan limits. High-cost loan limits are the limits that will apply in high-cost areas as defined by the Federal Housing Finance Agency (FHFA). Rates are subject to change at any time. To view all of our mortgage products and rates, or to find a mortgage to meet your specific needs, please get a custom rate quote on the button below.

Mortgage Payment Calculator

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Table data for Home Equity Lines of Credit
01-16-2022
Account Type	Term (Years)	Annual Percentage Rate (APR)	Payment Example ($10,000 loan amount)
Home Equity Line of Credit (Variable Rate)¹	15	2.990% for the first 6 months. After 6 months, the APR will be 3.250%, subject to increase	6 payments of $69.01 and 174 payments of $80.39

5/1 Home Equity Line of Credit (Variable Rate)¹	15	3.990% for the first 60 months. After 60 months, the APR will be 3.250%, subject to increase.	60 payments of $73.92 and 120 payments of $75.70

At this time, BFSFCU lends on properties in DC, DE, MD, VA and WV only. Lien recordation is required.
¹Home Equity Line of Credit and 5/1 Home Equity Line of Credit refers to an owner-occupied residence and 80% of Fair Market Value minus other loans. The maximum CLTV on home equity lines of credit is 90%. For loans with a CLTV greater than 80%, higher rates will apply. The Annual Percentage Rate (APR) for variable rate loan products may increase in accordance with the Wall Street Journal Prime Rate (“Index”, currently 3.250%) plus a Margin after the introductory rate has expired. The maximum APR at any time is 18%. Other terms and conditions apply, please call 202-212-6400 for details. Appraisal, recordation taxes and other closing costs apply and will be at the member's expense. These closing costs typically range from $200 - $1925 based on the property location, the loan amount requested, the fair market value and the combined loan-to-value (CLTV) ratio. Property insurance is required. HELOC products are not available for investment properties. Please consult with a tax adviser on the deductibility of interest.↵

Table data for Personal Loans
01-16-2022
Account Description	Approximate Term	Annual Percentage Rate (APR)	Payment Example ($3,000 loan amount)
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.

Table data for Checking Accounts
Global Rewards Premier Checking	Annual Percentage Yield (APY)	Dividend Rate	Balance Cap	Minimum Opening Deposit	Alert Me
OPTIMUM level	0.05% to 1.50¹	1.50%	Up to $25,000	None

		0.05%	Over $25,000	None

PLUS level	0.05% to 1.00%¹	1.00%	Up to $10,000	None

		0.05%	Over $10,000	None

CHOICE level	0.05%	0.05%	None	None

Account Type	Annual Percentage Yield (APY)	Dividend Rate	Minimum Balance Required to Earn Dividends	Minimum Opening Deposit	Alert Me
Checking	0.05%	0.05%	None	None

Money Management Checking	0.00%	0.00%	N/A	$2,500.00²

$2,500 to $9,999.99	0.10%	0.05%	$2,500.00	N/A

$10,000 to $24,999.99	0.10%	0.10%	$10,000.00	N/A

$25,000 to $49,999.99	0.15%	0.15%	$25,000.00	N/A

$50,000 or greater	0.20%	0.20%	$50,000.00	N/A

The annual percentage yield is a percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual period. For Checking, Money Management Checking and Global Rewards Premier Checking accounts, the dividend rate and annual percentage yield may change at any time as determined by the Credit Union’s Board of Directors. The dividend rates and annual percentage yields are the prospective rates and yields that the Credit Union anticipates paying for the applicable dividend period. Money Management Checking, and Global Rewards Premier Checking accounts are tiered rate accounts. The balance ranges and corresponding dividend rates and annual percentage yields applicable to each tier are disclosed in the Rate Schedule. For Money Management Checking accounts, once a particular range is met, the dividend rate and annual percentage yield for that balance range will apply to the full balance of your account. For Global Rewards Premier Checking accounts, the applicable dividend rates and annual percentage yields will apply only to that portion of the account balance within the corresponding balance range as listed in the Rate Schedule. Refer to the Truth in Savings Disclosure for additional details pertaining to these tiered accounts. ¹APY Range is based on a low and high balance scenario of $1.00 and $8,000,000.00. ²Minimum Balance to Avoid a Service Fee. Refer to the Truth in Savings Disclosure for additional details.

Table data for Savings Account Rates
01-16-2022
Account Type	Annual Percentage Yield (APY)	Dividend Rate	Minimum Balance Required to Earn Dividends	Minimum Balance Required to Open
Savings	0.150%	0.150%	none	none

Money Management Savings	0.000%	0.000%	N/A	none

	0.150%	0.150%	$2,500.00	N/A

	0.200%	0.200%	$10,000.00	N/A

	0.250%	0.250%	$25,000.00	N/A

	0.350%	0.349%	$50,000.00	N/A

eSavings¹	0.200%	0.200%	$10,000.00²	$10,000.00

Savings Account offering rates are variable and subject to change daily. Dividends are paid quarterly on Savings Accounts. Dividends are calculated using the balance in the account at the end of each day. For specific information about account rates and terms, call us at (202) 212-6400 to speak to one of our Member Service Representatives. Refer to Bank-Fund Staff Federal Credit Union's Truth in Savings Disclosure, for additional information.
¹The eSavings account can only be opened online and is only accessible from our Online Banking system. The first withdrawal or transfer is free of fee. Second and all subsequent withdrawals or transfers processed during the calendar month are $5.00 each.↵ ²You must maintain a minimum daily balance of $10,000 to avoid incurring a low-balance fee at month-end.↵

Savings Calculator

Table data for Share Certificate Rates
01-16-2022
Share Certificates	Annual Percentage Yield (APY)	Dividend Rate	Minimum to Open	Alert Me
91-Day	0.300%	0.300%	$1,000.00

6-Month	0.350%	0.350%	$1,000.00

9-Month	0.400%	0.399%	$1,000.00

12-Month	0.450%	0.449%	$1,000.00

18-Month	0.500%	0.499%	$1,000.00

24-Month	0.550%	0.549%	$1,000.00

30-Month	0.600%	0.599%	$1,000.00

36-Month	0.650%	0.648%	$1,000.00

48-Month	0.700%	0.698%	$1,000.00

60-Month	0.900%	0.897%	$1,000.00

72-Month	0.950%	0.947%	$1,000.00

Specialty Share Certificates	Annual Percentage Yield (APY)	Dividend Rate	Minimum to Open	Alert Me
12-Month Young Savers	0.450%	0.449%	$100.00

15-Month RateKeeper	0.450%	0.449%	$1,000.00

24-Month WealthBuilder	0.550%	0.549%	$1,000.00

36-Month Step-Up*	0.450%	0.449%	$1,000.00

60-Month Step-Up*	0.650%	0.648%	$1,000.00

5-Year High Yield	1.150%	1.145%	$1,000.00

6-Year High Yield	1.200%	1.195%	$1,000.00

7-Year High Yield	1.250%	1.244%	$1,000.00

10-Year High Yield	1.300%	1.294%	$1,000.00

Jumbo Share Certificates	Annual Percentage Yield (APY)	Dividend Rate	Minimum to Open	Alert Me
4-Week	0.250%	0.250%	$100,000.00

91-Day	0.350%	0.350%	$100,000.00

6-Month	0.400%	0.400%	$100,000.00

12-Month	0.500%	0.499%	$100,000.00

18-Month	0.550%	0.549%	$100,000.00

Share Certificate Account and Jumbo Share Certificate Account offering rates are subject to change daily and are fixed for the term of the account. Dividends are calculated on the balance of the account each day. Dividends on the weekly, 91 day and 6 month terms are paid at maturity. For all other terms, dividends are paid and compounded quarterly and at maturity. *Effective as of January 1, 2019, this product is no longer available for new accounts. A penalty will be imposed for early withdrawal from Share Certificate Accounts, Specialty Share Certificate Accounts, or Jumbo Share Certificate Accounts. For specific information about account rates and terms, call us at 202.212.6400 to speak to one of our Member Service Representatives. Refer to Bank-Fund Staff Federal Credit Union's Truth in Savings Disclosure, for additional information.

Table data for IRA Rates
01-16-2022
IRAs	Annual Percentage Yield (APY)	Dividend Rate	Minimum to Open	Alert Me
12-Month Fixed Traditional and Roth IRAs	0.450%	0.449%	$1,000.00

24-Month Fixed Traditional and Roth WealthBuilder IRAs	0.550%	0.549%	$1,000.00

24-Month Fixed Traditional and Roth IRAs	0.550%	0.549%	$1,000.00

36-Month Fixed Traditional and Roth IRAs	0.650%	0.648%	$1,000.00

48-Month Fixed Traditional and Roth IRAs	0.700%	0.698%	$1,000.00

60-Month Fixed Traditional and Roth IRAs	0.900%	0.897%	$1,000.00

Traditional IRA Savings Account	0.150%	0.150%	None

Roth IRA Savings Account	0.150%	0.150%	None

Specialty IRAs	Annual Percentage Yield (APY)	Dividend Rate	Minimum to Open	Alert Me
5-Year High Yield Traditional and Roth IRAs	1.150%	1.145%	$1,000.00

6-Year High Yield Traditional and Roth IRAs	1.200%	1.195%	$1,000.00

7-Year High Yield Traditional and Roth IRAs	1.250%	1.244%	$1,000.00

10-Year High Yield Traditional and Roth IRAs	1.300%	1.294%	$1,000.00

Jumbo IRAs	Annual Percentage Yield (APY)	Dividend Rate	Minimum to Open	Alert Me
12-Month Fixed Traditional and Roth IRAs	0.500%	0.499%	$100,000.00

24-Month Fixed Traditional and Roth IRAs	0.600%	0.599%	$100,000.00

36-Month Fixed Traditional and Roth IRAs	0.700%	0.698%	$100,000.00

48-Month Fixed Traditional and Roth IRAs	0.750%	0.748%	$100,000.00

60-Month Fixed Traditional and Roth IRAs	0.950%	0.947%	$100,000.00

IRA Fixed account offering rates are subject to change daily and are fixed for the term of the account.

Housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD) can offer independent advice about whether a particular set of loan terms is a good fit based on your objectives and circumstances, often at little or no cost. If you are interested in contacting a HUD-approved housing counseling agency in your area, you can visit the Consumer Financial Protection Bureau’s (CFPB) website, www.consumerfinance.gov/find-a-housing-counselor , and enter your zip code. You can also access HUD’s housing counseling agency website via www.consumerfinance.gov/mortgagehelp or by accessing HUD’s counseling agency web service directly via http://data.hud.gov/index.html. For additional assistance with locating a housing counseling agency, call the CFPB at 1-855-411-CFPB (2372).