Loans

Holiday Loans

Apply for a hassle-free holiday loan beginning at 8:00 am on Tuesday, November 19 through December 20.

You must use this loan application to apply.

• 6-month term and no credit check
• Payments via payroll deduction available

All you need:*

• Proof of income for the last 30 days
• BCCU member in good standing for 6 months for loans up to $500, 12 months for loans up to $1,000, and 18 months for loans up to $1,500

Note: If you currently have a Vacation Loan balance, the amount of your Holiday Loan application will be used to pay that balance, and the remainder will go to you. Special consideration will be made with a credit check for a possible lower APR of 10% – 18% with credit committee approval.

*Offer valid for BCCU members in good standing. Not valid for active bankruptcy cases. Credit Disability and Life Insurance available on Holiday Loans. At least one direct deposit per month required. This loan opportunity prioritizes members with full direct deposit, but other loan opportunities are available to members with less of a relationship with BCCU. APR = Annual Percentage Rate. Subject to change without notice. All loans subject to approval based on credit.

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Consumer Loans

Auto Loans

See Loan Rates

• Competitive fixed rates as low as 4.75% on new or used vehicles
• Up to 125% financing available for qualified buyers
• Repayment terms up to 84 months
• NADA guide book to determine your car’s value
• Carfax report so you’ll know the complete history of a used vehicle before buying it
• Full coverage insurance required on all auto loans
• Pre-approval available for extra bargaining power at the dealership
• Refinance your current vehicle to potentially lower your rate
• Quick, local decision-making and processing

Loan Application

Auto Protection

Electronic Signatures Available

Sign your loan documents quickly and securely from anywhere. All you need is a valid email address and you can use your smart phone, computer or tablet to electronically add your signature. No need to take time away from work or home to come to the credit union. Just a few simple clicks and your loan is complete.

LifeLine Instant Line of Credit

BCCU’s new Lifeline Instant Line of Credit is an affordable solution for unexpected expenses. Accessible 24/7 through our HomeBanking App, this flexible line of credit ensures quick, convenient financial relief whenever it’s needed.

• Transfer funds instantly, whenever you need them, using our HomeBanking App
• Minimum of $200 and up to $1,000*
• Rates as low as 8.99%*
• Affordable payments of $10 per $100 borrowed, conveniently auto-transferred from your checking or savings account
• Perfect for unexpected expenses like home or auto repairs, last-minute travel needs, and more!

*Membership eligibility required. BCCU checking account required. All loans subject to approval based on credit. Mobile app download and usage required. Rate may be from 8.99% up to 14% APY. APY = Annual Percentage Yield. Credit Life and Credit Disability Insurance available. Subject to change without notice.

Personal Loans

Whether you’re finally taking that dream vacation, making minor home improvements, or financing a college education, our personal loans offer plenty of options to make that dream a reality.

• Competitive fixed rates as low as 2.25% on share secured loans
• Competitive fixed rates as low as 10.80% on signature loans
• Signature loan amounts of $500.00 to $15,000.00, with terms up to 60 months
• Convenient payments using payroll deduction
• Quick, local decision-making and processing
• Check our current rates
• *Online Loan Application will be available on Monday, November 4 after 10 a.m. Central.