2317 Easton Avenue Bethlehem, PA 18017-5099 Phone 610-691-0041 Fax 610-691-8624 E-mail service@btcu.org

Convenient Access:

Office Hours:

REGULAR HOURS:
Monday, Tuesday,
Wednesday, Friday:
9:00 a.m. - 5:00 p.m.
Thursday:
9:00 a.m. - 6:00 p.m.

Closing or delay due to weather? Check WFMZ:

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Loan Rates

Click one of the following to see rates for that type of loan: *HOME EQUITY LINE OF CREDIT* *HOME EQUITY LOAN (FIXED RATE)* *FIRST MORTGAGE LOANS* *VEHICLE LOANS* *TECHNOLOGY LOANS* *PERSONAL LOANS* *PLEDGED SHARE LOANS*
Loan Application Form

PLEASE NOTE: The actual rate you pay for the life of the loan is determined by your FICO/Emperica credit score at the time of application, thus your rate may be higher. Each of the credit reporting agencies utilized by BTFCU assigns credit scores using the same formulas. Experian®, one of the credit reporting agencies we use, has information on credit scores at http://www.experian.com/consumer/help/score/index.html. You can also call the Credit Union for more information. (Rates subject to change at the board's discretion without notification.)

HOME EQUITY LINE OF CREDIT

Loan	Term	APR as low as*	Notes
HOME EQUITY LINE OF CREDIT	REVOLVING		Adjusted quarterly based on Prime Rate plus a "margin". That margin may be as low as 1%, but your margin may vary based on your credit score at time of application. There is a $150 appraisal fee. Maximum amount: 80% of appraised value.

HOME EQUITY LOAN (FIXED RATE)

Loan	Term	APR as low as*	Notes
HOME EQUITY	01-05 YR	3.49%	Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 appraisal fee.
HOME EQUITY	06-10 YR	4.24%	Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 appraisal fee.
HOME EQUITY	11-15 YR	4.99%	Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 appraisal fee.
HOME EQUITY	16-20 YR	5.49%	Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 appraisal fee.

FIRST MORTGAGE LOANS

Loan	Term	APR as low as*	Notes
5-Year Fixed Rate Balloon - 1 point	Up to 30 YR	3.15%	Actual rate may be higher, depending on your Credit Score. Maximum loan amount: 80% of Appraised Value. $350 application fee.
5-Year Fixed Rate Balloon - NO points	Up to 30 YR	3.40%	Actual rate may be higher, depending on your Credit Score. Maximum loan amount: 80% of Appraised Value. $350 application fee.
FIXED AND ADJUSTABLE	Up to 30 YR		For information on the many products available to you in our Mortgage Program, call us at 610-691-0041. You may also apply on line, go to: btfcu.mortgagewebcenter.com

VEHICLE LOANS

Loan	Term	APR as low as*	Notes
NEW Vehicles	1-3 YR	1.99%	Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)
NEW Vehicles	4 YR	2.49%	Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)
NEW Vehicles	5 YR	2.99%	Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)
NEW Vehicles	6 YR	3.49%	Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)
NEW Vehicles	7 YR	4.49%	Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)
USED Vehicles (2006-2012 Models)	1-4 YR	2.99%	For up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.). Model years 2005 & 2006, maximum term of 4 years.
USED Vehicles (2006-2012 Models)	5 YR	3.99%	For up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.)
USED Vehicles (2006-2012 Models)	6 YR	4.99%	For up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.)

TECHNOLOGY LOANS

Loan	Term	APR as low as*	Notes
Loans for Computers, Smart Phones	Up to 2 Years	4.00%	Maximum loan: $2,000.00 Proof of purchase of computer, iPhone, software, etc., is required.

PERSONAL LOANS

Loan	Term	APR as low as*	Notes
UNSECURED	1-3 YR	9.99%	Minimum loan amount of $500 per individual. Maximum amount of $5,000 per individual, $10,000 with two signatures.
UNSECURED	4-5 YR	10.99%	Minimum loan amount of $500 per individual. Maximum amount of $5,000 per individual, $10,000 with two signatures.

PLEDGED SHARE LOANS

Loan	Term		Notes
PLEDGED	1-5 YR		APR* as low as 4% above collateral rate (the interest rate you are earning on the account or certificate you are pledging as collateral for the loan).