Loan Rates

Loan rates effective February 1, 2025.

Not sure which loan is right for you? Contact a Loan Counselor at
410-828-4730 or 800-234-4730.

Start Application >

Vehicle Loans

New Autos & Motorcycles

APR Range

Terms

4.75% to 10.75%*

Up to 60 months

5.25% to 11.25%*

Up to 72 months

5.75% to 11.75%*

Up to 84 months

Used Autos & Motorcycles

APR Range

Terms

4.75% to 10.75%*

Up to 60 months

5.25% to 11.25%*

Up to 72 months

5.75% to 11.75%*

Up to 84 months

Antique, Vintage, & Classic Vehicles

APR Range

Terms

5.50% to 11.50%*

Up to 60 months

6.00% to 12.00%*

Up to 72 months

6.50% to 12.50%*

Up to 84 months

Aged Vehicle - Models 10 years & older

APR Range

Terms

6.50% to 12.50%*

Up to 60 months

Boats and RVs

APR Range

Terms

8.50% to 14.50%*

60 months up to $24,999

8.50% to 14.50%*

144 months $25,000 & up

Auto Cash

APR Range

Terms

9.00% to 15.00% APR*

Up to 60 months

Up to 120% of MSRP or J.D. Power Average Retail Value*

The percentage financed is up to 120% of MSRP (new) or J.D. Power Average Retail Value (used), 80% of J.D. Power Average Retail Value for antique, vintage, classic and kit cars.

Calculate Auto Payment >

Home Loans

Mortgages for the Purchase or Refinance of Your Home

Whether you want to buy a new home or refinance your existing mortgage(s), we have programs to help you. Choose from fixed, adjustable, or buy down rates. Rates and points can change daily, subject to change without notice.

For rates and information tailored to you, contact a Mortgage Counselor at 410-828-4730, 800-234-4730 or mortgages@bcefcu.com or visit our Online Mortgage Center.

Check Today’s Rates >

Calculate Payment >
Apply Online >

Home Equity Loan

Up to 85% of appraised value of primary residence or 80% of appraised value of secondary residence less the first mortgage balance.
  • 5.00% to 11.00% APR* up to 60 months
  • 5.50% to 11.50% APR* up to 120 months
  • 5.75% to 11.75% APR* up to 180 months
  • Fixed rate
  • Fixed terms of 5, 10 or 15 years
  • No closing costs**
*Subject to credit approval. Check for qualifying details. APR = Annual Percentage Rate. Rates may vary based on loan term and credit worthiness.

Home Equity Line of Credit

Introductory rate special of 5.50% APR*
for the first year!

Approved loan amounts to qualified borrowers based on 85% of appraised value of Primary Residence less the first mortgage balance.

  • Variable rate after introductory rate period
  • Terms up to 180 months
  • 10-year draw period
  • No closing costs**

Home Cash

APR RangeTerms

9.00% to 15.00% APR*

Loan amounts from $3,000 to $20,000

Terms up to 60 months

Residential Investment Property Home Equity Loan

APR RangeTerms

6.00% to 12.00%*

Up to 180 months

Up to 70% of appraised value less first mortgage balance

Calculate Home Equity Payment >

More Loans

Personal

APR RangeTermsPercentage Financed

7.90% to 13.90%*

Up to 60 months

Up to $25,000 to qualified applicants

8.90% to 14.90%*

61 to 84 months

Up to $25,000 to qualified applicants

Preferred Line of Credit

APR RangeTermsPercentage Financed

10.90% to 16.90%*

Up to 84 monthsUp to $15,000 to qualified applicants*

Signature Money Line of Credit

APR RangeTermsPercentage Financed

12.00% to 18.00%*

6-month term
12-month term		Up to $1,000* Up to $2,000*

Vacation Loan

APR RangeTermsPercentage Financed

7.90% to 13.90%*

Up to 12 months100% to qualified applicants*

Share Secured (variable rate)

APR RangeTermsPercentage Financed

3.00% above Share Savings*

144 monthsFull amount in Share Saving

Education / Computer

APR RangeTermsPercentage Financed

6.90% to 12.90%*

Up to 18 months100% to qualified applicants*

Holiday Loan (Available October 1 – January 31 only)

*Subject to credit approval. Check for qualifying details. APR= Annual Percentage Rate. New & used vehicle rates above include a discount of .50% (for 60, 72 and 84 months) with automated payments at time of origination. Refinancing of any existing Credit Union auto loan will incur a $250 processing fee. Loan policies and rates are subject to change without notice.

**If loan is paid off within 24 months of the original note date, closing costs must be reimbursed to Credit Union by the borrower. Note: Properties which are security for any type of Home Equity Loan are limited to the States of Maryland, Pennsylvania and Delaware.

Loan rates may vary based on loan term and credit worthiness.