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Loan Rates
**A $25.00 Loan Fee is charged on each consumer loan processed (charged at the time the loan is disbursed) ~ Effective June 1, 2021**
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| All Auto Loans | |||
| Effective Date: Saturday, December 9th, 2023 | |||
| Type | APR* as low as | Term | Amount |
Brand New (Untitled) Vehicles |
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| 7.500% | 84 Months | $30,000.00 and Over | |
| 7.000% | 72 Months | $20,000.00 and Over | |
| 6.500% | 60 Months | ||
| 6.000% | 48 Months | ||
2018 - 2023 |
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| 7.500% | 84 Months | $30,000.00 and Over | |
| 7.000% | 72 Months | $20,000.00 and Over | |
| 6.500% | 60 Months | ||
| 6.000% | 48 Months | ||
2013 - 2017 |
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| 8.000% | 72 Months | $20,000 and Over | |
| 7.500% | 60 Months | ||
| 7.000% | 48 Months | ||
| 6.500% | 36 Months | ||
2012 & Older |
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| 7.500% | 60 Months | ||
| 7.000% | 48 Months | ||
| Payment example: $20,000 with zero down for 60 months at 6.50% equals $391.40 with no debt protection added. | |||
| Motor Homes, Travel Trailers, Campers, Boats | |||
| Effective Date: Saturday, December 9th, 2023 | |||
| Year | Amount | APR* as low as | Term |
| 2018-2023 | |||
| Up to $5,000 | 6.750% | 48 Months | |
| $5,000 to $10,000 | 7.250% | 60 Months | |
| $10,000 and over | 7.750% | 120 Months | |
| $10,000 and over | 8.250% | 144 Months | |
| 2017 and Older | |||
| Up to $5,000 | 7.250% | 48 Months | |
| $5,000 to $10,000 | 7.750% | 60 Months | |
| $10,000 and over | 8.250% | 120 Months | |
| $10,000 and over | 8.750% | 144 Months | |
| Payment example: $10,000 with zero down for 60 months at 7.25% equals $199.24 per month with no debt protection added. | |||
| ATV's, Side by Sides, Motorcycles, Golf Carts, Snowmobiles, Jet Ski, Riding Mowers, Large Equipment | |||
| Effective Date: Saturday, December 9th, 2023 | |||
| Year | APR* as low as | Term | Amount |
| 2018 - 2023 | 8.250% | 72 Months | $10,000.00 and Over |
| 7.750% | 60 Months | $5,000.00 and Over | |
| 7.250% | 48 Months | ||
| 2017 and Older | |||
| 8.250% | 60 Months | $5,000 and Over | |
| 7.750% | 48 Months | ||
| Payment example: $10,000 with zero down for 60 months at 7.75% equals $201.62 with no debt protection added. | |||
| Unsecured - up to $10,000.00 Max | |
| Effective Date: Saturday, December 9th, 2023 | |
| APR* as low as | Term |
| 11.250% | 36 Months |
| 12.250% | 48 Months |
| 13.250% | 60 Months |
| Payment example: $5,000 with zero down for 36 months at 11.25% equals $164.33 with no debt protection added. | |
| Notes | ||
| Effective Date: Saturday, December 9th, 2023 | ||
| Notes must be paid off within 90 days; otherwise, they may be subject to Note Refinance rates below. Unsecured maximum is $10,000.00. | ||
| Name | APR* as low as | Term |
| Note | 17.250% | 90 Days |
| Note Refinance | 17.250% | 36 Months Maximum |
| Note Payment Example: $5,000 with zero down for 90 days at 17.25% equals a lump sum payment of $5,217.40. | ||
| Note Refinance Payment Example: $5,000 for 36 months at 17.25% equals $178.96 | ||
| Share Pledge | |
| Effective Date: Saturday, December 9th, 2023 | |
| APR* as low as | Term |
| 4.250% | Up to 120 Months 60 Month Balloon |
| Payment example: $5,000 for 36 months at 4.25% equals $148.20 | |
| Credit Cards - Platinum |
| Earn Rewards! |
| Rate |
| 12.90% APR Click here for Cardholder Agreement, Disclosures, and Rate Information. |
| Fixed Rate Home Equity | |||
| Effective Date: Saturday, December 9th, 2023 | |||
| The information below assumes a loan amount of $50,000 and no discount points paid. Baraga County Federal Credit Union will loan up to 80% of the home value minus applicable first mortgages. Assumptions also include the borrower is the existing owner with no changes in title required & the property is the primary residence. The home is a Single Family Detached located in Baraga, Houghton, Ontonagon, or Marquette County, Michigan. There is no escrow for taxes and insurance; your housing obligation may be higher. Rate lock period is 45 days. All loans require credit approval. | |||
| Term | Rate | APR | Monthly Payment |
| 60 Months | 7.25% | 7.349% | 996.17 |
| 84 Months | 7.45% | 7.523% | 765.87 |
| 120 Months | 7.70% | 7.754% | 598.93 |
| Fees may apply. Call us at (906) 524-6151 or email us at mortgages@baragafcu.com today! | |||
*Fixed APR's (Annual Percentage Rates) do not include processing fee. APR's may vary due to loan amount and term.
*Rates and terms are subject to change without notice. All loan applications are subject to credit approval with parameters as stated in the loan policies.
NCUA - Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government agency. Equal Housing Lender - We do business in accordance with the Fair Housing Law and Equal Opportunity Credit Act