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Credit Life and Disability Insurance are available for all loans. For more details, information or an application, contact the Loan Department. You may also click on the links under Related Links or Tools to learn more.
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Variable Rate Loans
(Subject to change without advance notice)
Rates in effect January 1, 2009. |
| Loan Type |
Annual Percentage Rate |
| Share Secured |
1.25% |
| Personal & Overdraft Line of Credit |
8.90% - 12.90%† |
| Gold Star Line of Credit** |
8.50% |
Used Passenger & Recreational Vehicles
Model Years: 2002-2004 (100% financing when age of vehicle is 5-7 years older than current model year) |
6.50% - 10.50%† |
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These Annual Percentage Rates (APRs) are variable and subject to change quarterly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 18% APR. As of December 15, 2008 the prime rate was 4.00%.
**For qualified borrowers only.
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Home Equity Line of Credit Rates in effect January 1, 2009 - January 31, 2009
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| Term LOAN AMOUNT BASE RATE |
Annual Percentage Rate |
| 60 months $10,000 |
3.95% |
| 120 months $10,000 – $25,000 |
3.95% |
| 180 months $25,000 – $400,000 |
3.95% |
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VISA Equity Platinum Rates in effect January 1, 2009 - January 31, 2009
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| Term LOAN AMOUNT BASE RATE |
Annual Percentage Rate |
5 years $10,000 3.50% |
| 10 years $10,000 - $25,000 3.50% |
| 15 years $25,000 - $400,000 3.50% |
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These Annual Percentage Rates (APRs) are variable and subject to change monthly based on the highest PRIME Rate as published in the Money Rates Section of the Wall Street Journal on the 15th day (if the 15th is not a business day, then the rate on the preceding business day) immediately preceding the first day of each calendar month of each year and cannot exceed 18% APR. As of December 15, 2008 the prime rate was 4.00%.
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Fixed Rate Loans
Rates are effective January 1, 2009 |
| Loan Type |
Annual Percentage Rate |
Terms |
| Share Certificate Secured |
Certificate Rate + 3.00% |
Term of the Certificate |
| New/Used Passenger Vehicles (up to 4 model years old) up to 36 months |
3.74% - 11.00%† |
1-36 Mos. |
| New/Used Passenger Vehicles (up to 4 model years old) up to 60 months |
5.24% - 11.25%† |
1-60 Mos. |
| New/Used Passenger Vehicles (up to 4 model years old) up to 72 months |
5.24% - 11.75%† |
61-72 Mos. |
| New/Used Passenger Vehicles (up to 4 model years old) up to 84 months |
6.50% - 13.75%† |
73-84 Mos. |
| New/Used Recreational Vehicles (up to 4 model years old) |
7.50% - 11.50%† |
1-120 Mos.
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| NEW! First Time Auto Buyer |
14.25%
-1.00% Discount with down payment of $1,500
Additional 0.25% discount for direct deposit
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60 Mos.
$15,000 Maximum Loan Amount
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NEW! Fixed Rate Personal Loan
"Preferred Prime Loan"*
*Certain Restrictions apply |
6.99% |
60 Months
$5,000 to $25,000
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NEW! Starter Visa®
Take our Online Seminar |
13.90% |
There is a 25-day grace period on all purchases using your Belvoir Federal VISA® |
| Student Visa® |
12.90% |
There is a 25-day grace period on all purchases using your Belvoir Federal VISA® |
| Visa® Platinum Card |
9.90 - 11.90% |
There is a 25-day grace period on all purchases using your Belvoir Federal VISA® |
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Platinum Rewards Visa®
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Introductory Rate 4.99%
After 6 months, 8.90%
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There is a 25-day grace period on all purchases using your Belvoir Federal VISA®
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| Loan Examples for Fixed Rate Loans |
| Loan Type |
Amount |
APR |
Monthly Payment |
New or Used Passenger Vehicles
(60 mos.)
Discounted Rate |
$20,000 |
5.24% |
$379.63 |
New or Used Passenger Vehicles
(60 mos.)
Highest Rate |
$20,000 |
11.25% |
$437.35 |
New or Used Passenger Vehicles
(72 mos.)
Discounted Rate |
$20,000 |
5.24% |
$324.33 |
New or Used Passenger Vehicles
(72 mos.)
Highest Rate |
$20,000 |
11.75% |
$388.41 |
New or Used Passenger Vehicles (over $25,000-84 mos.)
Discounted Rate |
$30,000 |
6.50% |
$445.48 |
New or Used Passenger Vehicles (over $25,000-84 mos.)
Highest Rate |
$30,000 |
13.75% |
$558.07 |
New or Used RV (60 mos.)
Discounted Rate w/10% down payment |
$20,000 |
7.50% |
$400.76 |
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New or Used RV (60 mos.)
Highest Rate w/10% down payment
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$20,000 |
11.50% |
$439.85 |
New or Used RV
(over $20,000-120 mos.)
Highest Rate w/10% down payment |
$30,000 |
11.50% |
$421.79 |
New or Used RV
(over $25,000-72 mos.)
Highest Rate w/10% down payment |
$30,000 |
11.50% |
$578.73 |
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| †The Annual Percentage Rates (APR) shown above reflect the current minimum APR offered. The APR may be adjusted based on individual credit standing, term loan-to-value, debt-to-income ratio and aggregate credit score. Please contact a loan officer to determine the rate and term for which you qualify.
All terms and conditions are subject to change without notice. Some restrictions do apply.
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