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Loan Rates

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**A $25.00 Loan Fee is charged on each consumer loan processed (charged at the time the loan is disbursed) ~ Effective June 1, 2021**

GAP INSURANCE AVAILABLE!
Click here for more details!

 

All Auto Loans
Effective Date: Friday, May 24th, 2024
TypeAPR* as low asTermAmount

Brand New (Untitled) Vehicles

     
  8.000% 84 Months $30,000.00 and Over
  7.500% 72 Months $20,000.00 and Over
  7.000% 60 Months  
  6.500% 48 Months  

2019 - 2024

     
  8.000% 84 Months $30,000.00 and Over
  7.500% 72 Months $20,000.00 and Over
  7.000% 60 Months  
  6.500% 48 Months  

2014 - 2018

     
  8.500% 72 Months $20,000 and Over
  8.000% 60 Months  
  7.500% 48 Months  
  7.000% 36 Months  

2013 & Older

     
  8.000% 60 Months  
  7.500% 48 Months  
Payment example: $20,000 with zero down for 60 months at 7.00% equals $396.11 with no debt protection added.

Motor Homes, Travel Trailers, Campers, Boats
Effective Date: Friday, May 24th, 2024
YearAmountAPR* as low asTerm
2019-2024      
  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 8.500% 144 Months
2018 and Older      
  Up to $5,000 7.750% 48 Months
  $5,000 to $10,000 8.250% 60 Months
  $10,000 and over 8.750% 120 Months
  $10,000 and over 9.250% 144 Months
Payment example: $10,000 with zero down for 60 months at 7.75% equals $201.62 per month with no debt protection added.

ATV's, Side by Sides, Motorcycles, Golf Carts, Snowmobiles, Jet Ski, Riding Mowers, Large Equipment
Effective Date: Friday, May 24th, 2024
YearAPR* as low asTermAmount
2019 - 2024 8.750% 72 Months $10,000.00 and Over
  8.250% 60 Months $5,000.00 and Over
  7.750% 48 Months  
2018 and Older      
  8.750% 60 Months $5,000 and Over
  8.250% 48 Months  
Payment example: $10,000 with zero down for 60 months at 8.25% equals $204.02 with no debt protection added.

Unsecured - up to $10,000.00 Max
Effective Date: Friday, May 24th, 2024
APR* as low asTerm
11.750% 36 Months
12.750%

48 Months

13.750%

60 Months
$5,000.00 And Over

Payment example: $5,000 with zero down for 36 months at 11.75% equals $165.53 with no debt protection added.

Notes
Effective Date: Friday, May 24th, 2024
Notes must be paid off within 90 days; otherwise, they may be subject to Note Refinance rates below. Unsecured maximum is $10,000.00.
NameAPR* as low asTerm
Note 17.750% 90 Days
Note Refinance 17.750% 36 Months Maximum
Note Payment Example: $5,000 with zero down for 90 days at 17.75% equals a lump sum payment of $5,223.70.
Note Refinance Payment Example: $5,000 for 36 months at 17.75% equals $180.22

Share Pledge
Effective Date: Friday, May 24th, 2024
APR* as low asTerm
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: Friday, May 24th, 2024
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.
TermRateAPRMonthly 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.

 

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Equal Housing LenderNational Credit Union Administration
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