Buffalo Cooperative Federal Credit Union

Loan Rates

Effective Sepember 20, 2011 unless otherwise noted

All rates are annual percentage rates (APRs) and are subject to change without notice.

SCORE-BASED PRICING: Unless otherwise noted, the rates displayed here are the best rate. An applicant's credit score at the time of application will determine the rate offered.

For applications submitted with a co-applicant or guarantor, the rate offered will be determined by the higher score.

In cases where the applicant has no score, we may, at our discretion, require a guarantor OR we may price the loan at the highest rate for that loan type.

Auto Loans

NEW: 2011 & 2012 to 60 months	2.50%
NEW: 2011 & 2012, 61-72 months	3.10%
NEW: 2011 & 2012, 73-84 months	3.45%
USED: 2009 & 2010, to 60 months	3.00%
USED: 2009 & 2010, to 72 months	3.30%
USED: 2007 & 2008, to 60 months	3.40%
USED: 2006 & older, to 60 months	3.55%
REALLY USED/ VEHICLE SECURED <$5,000 to 36 months (no collision insurance required)	7.75%

Real Estate

First Mortgage - up to 80% of purchase price; up to 7 years, 10% down w/ PMI. Adjustable and fixed rates.	Call for rate
Community Builder – up to $50,000 for up to 7 years, 10% down w/ PMI; fixed rate	5.50%
Community Builder – up to $50,000 for up to 7 years, 10% down w/ PMI; adjustable rate: index + 4.00%	Daily%
Home Equity – up to $50,000 for up to 7 years, 80% total Loan to Value; fixed rate	6.00%
Home Equity – up to $50,000 for up to 7 years, 80% total Loan to Value; adjustable rate: index + 4.25%	Daily%

Risk-based pricing does not apply to Real Estate loans – variable rate (Daily %) set on day credit union receives a complete application with documentation and application fee

Personal Loans

Up to 24 months		7.75%
25 to 48 months		8.50%
49 to 60 months		9.00%

Overdraft Line of Credit

Overdraft ($1 to $1499.99)		13.90%**
Line of credit ($1500 to $5000) (EFFECTIVE 07/01/10)		8.00%

Variable rate: subject to change;
risk-based pricing does not apply to Overdraft and Lines of Credit

Share Secured Loans - Borrower's Funds:

5% above securing account; term of loan must match term of deposit.

Share Secured Loans - Third Party Funds:

6% above securing account; term of loan must match term of deposit.

Credit Builder

Income limits apply (max $1,000.00):

11.65%

Go to the Loan Application

* 18.00% is the maximum APR permissible under NCUA regulations

** Effective August 1, 2011

= = = We are an Equal Opportunity Lender. = = =

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