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Hassle-Free Holiday Loans

October 20th through December 23rd, apply for a hassle-free holiday loan:*

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

All you need:*

  • Proof of income for the last 30 days
  • BCCU member in good standing for 6 months

Download the loan application here.

Note: If you currently have a Cabin Fever 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 for at least 6 months prior to application. Not valid for active bankruptcy cases. Credit Disability and Life Insurance available on Holiday Loans. APR = Annual Percentage Rate. Subject to change without notice. All loans subject to approval based on credit.

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.

Auto Loans

  • Competitive fixed rates as low as 2.30% 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
  • Check our current rates
  • Download our Loan Application here

Protect Your Car

We offer additional services to help make your driving experience worry-free:

  • GAP Insurance covers the difference between your loan balance and your insurance payoff in case your vehicle is stolen or totaled in an accident
  • Auto deductible reimbursement available with the purchase of all GAP insurance policies which will refund you up to $500.00 of your deductible in the event of an accident
  • Warranty Coverage, or mechanical breakdown protection, picks up where your vehicle’s manufacturer’s warranty ends. 24-hour roadside assistance and tire protection are also available. See details on all our plans here.
  • Credit Disability and Credit Life Insurance offer payment protection and give your family peace of mind in case of death or disability.

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 $5,000.00, with terms up to 36 months
  • Convenient payments using payroll deduction
  • Quick, local decision-making and processing
  • Check our current rates
  • Download our Loan Application here

Protect Your Loan

Credit Disability and Credit Life Insurance offer payment protection and give your family peace of mind in case of death or disability.