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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**

GAP INSURANCE AVAILABLE!
Click here for more details!

 

All Auto Loans
Effective Date: Saturday, September 30th, 2023
TypeAPR* as low asTermAmount

Brand New (Untitled) Vehicles

     
  7.000% 84 Months $30,000.00 and Over
  6.500% 72 Months $20,000.00 and Over
  6.000% 60 Months  
  5.500% 48 Months  

2018 - 2023

     
  7.000% 84 Months $30,000.00 and Over
  6.500% 72 Months $20,000.00 and Over
  6.000% 60 Months  
  5.500% 48 Months  

2013 - 2017

     
  7.500% 72 Months $20,000 and Over
  7.000% 60 Months  
  6.500% 48 Months  
  6.000% 36 Months  

2012 & Older

     
  7.000% 60 Months  
  6.500% 48 Months  
Payment example: $20,000 with zero down for 60 months at 6.00% equals $386.77 with no debt protection added.

Motor Homes, Travel Trailers, Campers, Boats
Effective Date: Saturday, September 30th, 2023
YearAmountAPR* as low asTerm
2018-2023      
  Up to $5,000 6.250% 48 Months
  $5,000 to $10,000 6.750% 60 Months
  $10,000 and over 7.250% 120 Months
  $10,000 and over 7.750% 144 Months
2017 and Older      
  Up to $5,000 6.750% 48 Months
  $5,000 to $10,000 7.250% 60 Months
  $10,000 and over 7.500% 120 Months
  $10,000 and over 8.250% 144 Months
Payment example: $10,000 with zero down for 60 months at 6.75% equals $196.90 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, September 30th, 2023
YearAPR* as low asTermAmount
2018 - 2023 7.750% 72 Months $10,000.00 and Over
  7.250% 60 Months $5,000.00 and Over
  6.750% 48 Months  
2017 and Older      
  7.750% 60 Months $5,000 and Over
  7.250% 48 Months  
Payment example: $10,000 with zero down for 60 months at 7.25% equals $199.22 with no debt protection added.

Unsecured - up to $10,000.00 Max
Effective Date: Saturday, September 30th, 2023
APR* as low asTerm
10.750% 36 Months
11.750%

48 Months

12.750%

60 Months
$5,000.00 And Over

Payment example: $5,000 with zero down for 36 months at 10.75% equals $163.16 with no debt protection added.

Notes
Effective Date: Saturday, September 30th, 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.
NameAPR* as low asTerm
Note 16.750% 90 Days
Note Refinance 16.750% 36 Months Maximum
Note Payment Example: $5,000 with zero down for 90 days at 16.75% equals a lump sum payment of $5,211.10.
Note Refinance Payment Example: $5,000 for 36 months at 16.75% equals $177.73

Share Pledge
Effective Date: Saturday, September 30th, 2023
APR* as low asTerm
3.750% Up to 120 Months
60 Month Balloon
Payment example: $5,000 for 36 months at 3.75% equals $147.09

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, September 30th, 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.
TermRateAPRMonthly Payment
60 Months 6.75% 6.849% $984.48
84 Months 6.95% 7.023% 753.69
120 Months 7.20% 7.253% $585.97
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