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

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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* *BRIDGE LOANS* *VEHICLE 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 0%, but your margin may vary based on your credit score at time of application. There is a $150 application / 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	5.50%	Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 application/appraisal fee.
HOME EQUITY	06-10 YR	6.25%	Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 application/appraisal fee.
HOME EQUITY	11-20 YR	7.00%	Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 application/appraisal fee.

FIRST MORTGAGE LOANS

Loan	Term	APR as low as*	Notes
1 YR ADJUSTABLE (ARM)	Up to 30 YR	4.75%	Up to 80% of appraised value. First year rate is shown. After that, APR is based on 1-year T-Bill plus a "margin". The lowest margin is 1.75%, but your margin may vary based on your Credit Score at time of application. In any event, APR would rise or fall no more than 1% per year; Minimum APR (over life of loan): your initial rate; Maximum APR (over life of loan): 5% above the initial rate. 1 Point. $350 application fee. Title insurance required.
5 YR FIXED RATE BALLOON MORTGAGE	Up to 30 YR	5.25%	1 point. Up to 80% of appraised value. $350 application fee. Title insurance required.
5 YR FIXED RATE BALLOON MORTGAGE (No points)	Up to 30 YR	5.75%	No points. Up to 80% of appraised value. $350 application fee. Title insurance required.

BRIDGE LOANS

Loan	Term		Notes
BRIDGE LOAN	1 YR		APR* as low as Prime + 1%. $275 fees. Interest-only payments made monthly. Principal due at end of term.

VEHICLE LOANS

Loan	Term	APR as low as*	Notes
NEW Vehicles	1-4 YR	4.95%	Up to 100% (for those who qualify) of the sales price (EXCLUDING tax, tags, etc.)
NEW Vehicles	5 YR	5.95%	Up to 100% (for those who qualify) of the sales price (EXCLUDING tax, tags, etc.)
NEW Vehicles	6 YR	6.50%	Up to 100% (for those who qualify) of the sales price (EXCLUDING tax, tags, etc.)
USED Vehicles (2003, 2004, 2005 Models)	1-4 YR	6.25%	For up to 100% (for those who qualify) of NADA retail vehicle value (EXCLUDING tax, tags, etc.)
USED Vehicles (2003, 2004, 2005 Models)	5 YR	6.75%	For up to 100% (for those who qualify) of NADA retail vehicle value (EXCLUDING tax, tags, etc.) Loan must be for $15,000 or more.
USED Vehicles (2006, 2007 Models)	1-4 YR	5.95%	For up to 100% (for those who qualify) of NADA retail vehicle value (EXCLUDING tax, tags, etc.)
USED Vehicles (2006, 2007 Models)	5 YR	6.25%	For up to 100% (for those who qualify) of NADA retail vehicle value (EXCLUDING tax, tags, etc.) Loan must be for $15,000 or more.

PERSONAL LOANS

Loan	Term	APR as low as*	Notes
UNSECURED	1-3 YR	11.50%	Minimum loan amount of $500 per individual. Maximum amount of $5,000 per individual, $10,000 with two signatures.
UNSECURED	4-5 YR	12.750%	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).