Rates

Regular Shares

APY*	APR**
0.05%	0.05%

*APY = Annual Percentage Yield. **APR = Annual Percentage Rate. For Share Savings Accounts including special purpose accounts such as Christmas Club and Vacation Club accounts, dividends will be paid on a minimum balance of $25.00. For Scottie Savers and Under Eighteen accounts, dividends will be paid on a $5.00 minimum balance. Specific dividends are listed above.

Money Market Checking Account

Balance	APY*	APR**
$2,500 to $29,999.99	0.10%	0.10%
$30,000 - $50,000	0.15%	0.15%
Over $50,000	0.20%	0.20%

*APY = Annual Percentage Yield. **APR = Annual Percentage Rate. The new tiered rate schedule for Money Market Accounts is listed above. Did you know your Money Market Account can work like an interest-bearing checking account? You can deposit savings into your BACU Money Market Account and earn a great interest rate. Then, you can also write checks from funds in your Money Market Account. You’ll earn a great interest rate and have the convenience of check writing too! The minimum balance is $2,500. No dividends are paid if the balance falls below a $2,500 balance.

IRA Accounts and IRA Certificates

APY*	Details
0.10%	Effective January 1, 2021, Paying 0.10% APY, paid quarterly, on IRA Share accounts. IRA certificates pay the same rates as our regular certificates.

*APY = Annual Percentage Yield.

Certificate Rates

Maturity	APY / APR*
3 month	0.50%
6 month	0.75%
12 month	1.40%
18 month	1.45%
24 month	1.50%
36 month	1.75%
48 month	1.75%
60 month	1.85%

*Annual Percentage Yield and Annual Percentage Rate are the same since dividends do not compound. $500.00 minimum required to open any certificate. Certificate rates effective as of date listed at top of page. Rates can change at any time without prior notice.

Used Vehicle

Model Year	Term	APR**
2003 OR OLDER Antique Vehicles	60 Mo.	7.00*
2004-2007	36 Mo.	10.00*
2008-2012	48 Mo.	9.00*
2013-2015	48 Mo.	8.00*
2016-2024	60 Mo.	6.00*
2021-2024 (20,000+)	72 Mo.	6.50*

*VEHICLE LOANS - Rates as low as 5.00%. Rate is based on your Credit Report. "Vehicle" is identified as: Automobile, Motorcycle, Dirt bike, Recreational Vehicles, Jet Skis and Wave Runners.
**APR = Annual Percentage Rate. Rates subject to change without notice.

New Vehicle (Never Been Titled)

Model Year	Term	APR**
2023-2024	60 Mo.	6.00*
2023-2024 Borrowing $20,000.00 or more up to 100%	72 Mo.	6.50*

*"New Vehicle" is identified as: Brand New and Never Been Titled. "Vehicle" is identified as: Automobile, Motorcycle, Dirt bike, Recreational Vehicles, Jet Skis and Wave Runners. VEHICLE LOANS - Rates as low as 5.00%. Rate is based on your Credit Report.
**APR = Annual Percentage Rate. Rates subject to change without notice.

Mortgages

Type	Term	APR* as low as
Mortgage - Fixed	15 Years / 180 Mo.	6.25*
-	20 Years / 240 Mo.	6.50*
-	30 Years / 360 Mo.	6.75*
HELOC	-	Call for rates

*APR = Annual Percentage Rate. MORTGAGES - Add 1% to rate if borrowing more than 80% of appraised value. Rates subject to change without notice.

Other Loans

Type	Term	APR*
Share Secured**	60 Mo.	3.50
Credit Builder	12 Mo.	8.50
Unsecured/LOC***	48 Mo.	12.95*

*APR = Annual Percentage Rate. **Share secured rate is on shares only, if funds pledged are in a Term Certificate, rate will be 2% over Certificate Rates. Minimum rate is 5.50%. ***UNSECURED/LOC - Rates as low as 11.95%. Rate is based on your Credit Report. Rates subject to change without notice.