{"id":54,"date":"2015-03-29T17:19:57","date_gmt":"2015-03-29T17:19:57","guid":{"rendered":"https:\/\/brownsvillecityfcu.com\/?page_id=54"},"modified":"2025-04-09T22:12:52","modified_gmt":"2025-04-09T22:12:52","slug":"rates","status":"publish","type":"page","link":"https:\/\/brownsvillecityfcu.com\/?page_id=54","title":{"rendered":"Rates (subject to change)"},"content":{"rendered":"

Share\/Savings Accounts
\n<\/span>\n\n\n\n\t\n\t
SHARE ACCOUNTS<\/td><\/td><\/td>\n<\/tr>\n
Regular Shares
\nMinimum Balance $50 to earn dividends
\nMust maintain a balance of $25 to be an active member<\/td>		.60% Div. Rate<\/td>APY*<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\nLoan Accounts<\/span><\/p>\n

\n\n\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
PERSONAL LOANS<\/td><\/td>TERM<\/td>\n<\/tr>\n
Partial Share Secured
\n $400 Minimum $40,000 Maximum
\n(Savings balance must be half of loan amount.)<\/td>		8.59%-16.59% APR<\/td>12-60 months
\n(depending on amount)<\/td>\n<\/tr>\n
Share\/Builder Loan
\n$400 Minimum $2,000 Maximum
\n(Must pledge half of the loan to build up savings)<\/td>		8.59%-16.59% APR<\/td>12-24 months
\n(depending on amount)<\/td>\n<\/tr>\n
Emergency Loan
\n$200 Minimum $500 Maximum
\n(Illness\/Death in the family and hurricane preparation expenses)<\/td>		8.59%-16.59% APR<\/td>6-12 months
\n(depending on amount)<\/td>\n<\/tr>\n
Debt Consolidation
\n$2,000 Minimum $25,000 Maximum
\n(Loan process fee $65 and budgeting session required)<\/td>		8.59%-16.59% APR<\/td>30-60 months
\n(depending on amount)<\/td>\n<\/tr>\n
Route 66 Warranty<\/td>8.59%-16.59% APR<\/td>12-24 months
\n(depending on amount)<\/td>\n<\/tr>\n
Health\/Wellness
\n$400 Minimum $3,000 Maximum
\n(Lasik, Orthodontics, Hearing apparatus, Medical procedure-Weight loss\/control)<\/td>		8.59%-16.59% APR<\/td>12-24 months
\n(depending on amount)<\/td>\n<\/tr>\n
Short Term Small Loan (payday alternative loan)
\n$200 Minimum $1,000 Maximum<\/td>		contact Credit Union for current rates<\/td>2-6 months
\n(depending on amount<\/td>\n<\/tr>\n
Share Secured Loan (100% share secured)<\/td>2.5% plus current dividend rate for loans up to $40,000
\n3.5% plus current dividend rate for loans over $40,000<\/td>		12-120 months
\n(depending on amount)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n\n\n\n\n\t\n\t\n\t\n\t\n\t
VEHICLE LOANS<\/td><\/td>TERM<\/td>\n<\/tr>\n
New Car Loan<\/td>5.84%-16.69% APR<\/td>60-72 months
\n(>20,000.)<\/td>\n<\/tr>\n
Used Car Loan
\n(must be no more than 8 years old)<\/td>		6.89%-17.74% APR<\/td>72, 60, 48, 36, 24 months
\n(depending on amount)<\/td>\n<\/tr>\n
Refinance Vehicle (New)
\n(Must be within 60 days of financing with other creditor)<\/td>		5.84%-16.69% APR or Match<\/td>60 or 72 months
\n(>20,000.)<\/td>\n<\/tr>\n
Refinance Vehicle (Used)
\n(Must be no more than 8 years old)<\/td>		6.89%-17.74% APR or Match<\/td>72, 60, 48, 36, 24 months
\n(depending on amount)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\n\n\n\n\n\t\n\t\n\t\n\t\n\t
MOTORCYCLE LOANS<\/td><\/td>TERM<\/td>\n<\/tr>\n
New Motorcycle Loan<\/td>6.85%-17.81%<\/td>30-60 months
\n(depending on amount)<\/td>\n<\/tr>\n
Used Motorcycle Loan
\n(must be no more than 2 years old)<\/td>		7.85%-18.21%<\/td>18-48 months
\n(depending on amount)<\/td>\n<\/tr>\n
Refinance Motorcycle (New)
\n(Must be within 60 days of financing with other creditor)<\/td>		6.85%-17.81%
\n<\/td>		30-60 months
\n(depending on amount)<\/td>\n<\/tr>\n
RefinanceMotorcycle (Used)
\n(Must be no more than 2 years old)<\/td>		7.85%-18.21%<\/td>18-48 months
\n(depending on amount)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
\nFees & Disclosures<\/span><\/p>\n\n\n\n\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t\n\t
Miscellaneous Fees<\/td><\/td>\n<\/tr>\n
Stop Payment on Lost\/Stolen Check<\/td>$35.00<\/td>\n<\/tr>\n
Deposited Item Return\/NSF Fee or ACH dishonored Fee<\/td>$25.00<\/td>\n<\/tr>\n
Excessive Withdrawal Fee: 3rd withdrawal of the month<\/td>$1.00<\/td>\n<\/tr>\n
Excessive Withdrawal Fee: 4th\/5th\/6th withdrawal of the month(not to exceed 6 withdrawals in the same month)<\/td>$3.00<\/td>\n<\/tr>\n
Excessive Withdrawal Fee: continually withdrawing full amount deducted through payroll<\/td>$3.00<\/td>\n<\/tr>\n
Monthly Inactive Account Fee (prior to closing and turning over to the State)<\/td>$10.00 per month (inactive 12 months or more)<\/td>\n<\/tr>\n
Research\/Account Reconciliation<\/td>$25.00 per hour<\/td>\n<\/tr>\n
Levy, Lien, Garnishment, Writ and Attachment, Subpoena (each)<\/td>$50.00<\/td>\n<\/tr>\n
Verification of Deposit (each)<\/td>$25.00<\/td>\n<\/tr>\n
Early Closure Fee (if with 6 months)<\/td>$25.00<\/td>\n<\/tr>\n
e-Statements<\/td>FREE<\/td>\n<\/tr>\n
Paper Statements-Quarterly<\/td>$3.00<\/td>\n<\/tr>\n
Statement-Copy\/Reprint-Quarterly<\/td>$3.00<\/td>\n<\/tr>\n
Return Mail (bad address)<\/td>$3.00<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n

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Privacy Policy <\/a><\/h6>\n