2317 Easton Avenue
Bethlehem, PA 18017-5099

Phone 610-691-0041
Fax 610-691-8624
E-mail service@btcu.org

Click here to return to the BTFCU Home Page.

Convenient Access:

Click here to do your BTFCU banking on the Internet. (Requires registration before using first time.)

Link to the BTFCU Electronic Bill Payment site. (Requires registration before using first time.)

The phone number for Audio Response (Bank-by-Phone) is 1-800-553-0857. Click here for audio response instructions.

Click here to do your VISA card banking on the Internet. (Requires registration before using first time.)

Click here to find ATMs that charge no fees to BTFCU members.

Click here for an online Mortgage Application.

Click here for an online Loan Application.

Click here to see BTFCU's Savings Accounts and Savings Rates. Click here to see BTFCU's Loans and Loan Rates.

Find out how to join Bethlehem Teachers FCU.

Office 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:

Click here to go to Channel 69's Stormcenter Update webpage.
Click here to go to the BTFCU Facebook Page.
SITE INDEX
About Us
Applications & Forms
Back to School Loans
Bill Pay
Calendar
Canceled Checks
Car Loans
Checking
Contact Us
Credit Card
Debit Card
Dorney Tickets
Enterprise Car Sales
E-Statements
Fees
Gift Cards
Home Page
Hours
Insurance
Loans
Membership
Merger
Mortgages
New to BTFCU?
Newsletter
Online Banking
Overdrafts
Privacy
Savings
Skip-A-Pay
Student Care Package
Technology Loan
Info on ATM (Star) Cards and VISA Debit Card Mortgages (BTFCU is an Equal Housing Lender)
Information on VISA Credit Cards
Your savings are federally insured  to at least $250,000 and backed by the full faith and credit of the United States Government. Click here to learn more about how you are protected by the NCUA.
Serving Members
Since 1935

The Truth About 0% Auto Loans


Are Zero Percent Auto Lons too good to be true?

It is so enticing to be drawn into the dealerships offers of zero percent financing. But you may not realize that Zero Percent financing isn’t always the best, most economical deal. We’ve listed some things that you may want to take note of next time you hear the zero percent financing offers.

The Truth About Zero Percent Loans:

  • Only 1/3 of car buyers actually qualify for the 0% rate.
  • Often NO discounts are given to make up for the 0%.
  • Higher downpayments are usually required.
  • Loan terms are usually shorter.
  • Prepayment penalties are often part of 0% financing.
  • Buyers are often limited to certain models at the 0% rate.
  • Often no rebate is offered when taking 0% financing.
  • Taking a rebate is often more cost effective than 0% financing.

The truth about credit union loans: no games—just great rates. That’s a good deal.

Are Zero Percent Auto Lons too good to be true?
     

Copyright © 1999-2014 Bethlehem Teachers Federal Credit Union.
Last Updated: 9/10/2014 11:02:24 AM Eastern Time