Loan Rates & Account Dividends

Effective 09/01/2024 & subject to change without notice.

Real Estate Loans (for more information or to apply, visit our Loans page)

Loan Type	Maximum Amount	Terms	APR* As Low As:
1st Mortgage	80% of purchase price or appraisal (whichever is less)	Up to 25 years	Market Rate, Referred to CUFS
1st Mortgage	80% of purchase price or appraisal (whichever is less)	30 Yr Term. 5 Yr ARM	Market Rate, Referred to CUFS
Home Equity Line of Credit (HELOC) 1st Position	80% of appraisal value less 1st mortgage balance. Owner-occupied primary residence only.	Up To 6 years Draw and Repayment Period. 8 years Repayment after the draw period ends. Total of 168 months	7.49% Adj.
Home Equity Line of Credit (HELOC) 2nd Position	80% of appraisal value less 1st mortgage balance. Owner-occupied primary residence only.	Up To 6 years Draw and Repayment Period. 8 years Repayment after the draw period ends. Total of 168 months	7.99% Adj.
All variable APR real estate loans adjust on the three-month anniversary of the loan, and quarterly thereafter. There is a cap of 2% increase per adjustment, a lifetime cap of -0.50% decrease from the initial rate; and a lifetime cap of 6.00% above the initial rate not to exceed 18.00% APR.

Loan Type	Maximum Amount	Terms	APR* As Low As:
1st mortgage only	70% of purchase price or appraisal (whichever is less) Max: $175,000. The Applicant Must Intend to Construct a Primary Residence on The Lot.	Up to 5 years	Market Rate, Referred to CUFS
The applicant must intend to construct a primary residence on the lot.

Loan Type	Maximum Amount	Terms	APR* As Low As:
New Vehicles	Up to 100% of list price	36, 60, 72 or 84 Months. According To Vehicle Value	5.99% Fxd.
Used Vehicles	Up to NADA loan value	According To Vehicle Value and Age	6.49% Fxd.
New Boats & RV's	Up to 100% of list price, up to $35,000	Varies	Varies - Contact Loans
Used Boats & RV's	Up to 100% of list price, up to $35,000	Varies	Varies - Contact Loans
New Motorcycle Loans	60% of list price	Up to 36 months	8.50% Fxd.
Personal Loan	Up to $10,000	Up to 36 months	13.00% Fxd.
Share Secured	Amount on Deposit at BOND CFCU	Up to 10 years	5.00% Fxd.
Certificate Secured	Amount of Share Certificate (CD) at BOND CFCU	Maturity of Share Certificate (CD)	SC Rate +3% Fxd.
Classic VISA with Rewards	Up to $10,000	-	12.00% Fxd.
Gold VISA with Rewards	Up to $20,000	-	9.90% Fxd.

Account Type	Annual Percentage Rate (APR*)	Annual Percentage Yield (APY**)	Required Balance
Regular Savings	0.50%	0.50%	$50 Minimum
Youth Savings	0.50%	0.50%	$25 Minimum
Vacation / Holiday	0.50%	0.50%	No Minimum
Escrow	0.50%	0.50%	No Minimum
IRA	0.50%	0.50%	$25 Minimum
Share/Savings Account dividend (interest) rates reflect the immediately-preceding quarter. The annual percentage rate and annual percentage yield may change each dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Dividends compound/credit to your account once per quarter and are calculated using the ADB (Average Daily Balance) method, which applies a periodic rate to the account’s ADB for the prior quarter. ADB is calculated by adding up each daily account balances and dividing by the number of days in the quarter. Share Accounts insured up to $250,000 through the NCUSIF (National Credit Union Share Insurance Fund), administered by NCUA, a U.S. Government Agency. IRA Shares (Savings) & Share Certificates (CDs) Accounts are also insured up to an additional $250,000 through the same fund. For more information, please visit NCUA.gov.

Annual Percentage Rate (APR*)	Annual Percentage Yield (APY**)	Required Balance
0.00%	0.00%	$0 - $499
0.00%	0.00%	$500 - $4,999
0.00%	0.00%	$5,000 - $14,999
0.00%	0.00%	$15,000 - $24,999
0.50%	0.50%	$25,000 - $49,999
0.75%	0.75%	$50,000 Plus
Share/Savings Account dividend (interest) rates reflect the immediately-preceding quarter. The annual percentage rate and annual percentage yield may change each dividend period. We may change the dividend rate for your account as determined by the credit union board of directors. Dividends compound/credit to your account once per quarter and are calculated using the ADB (Average Daily Balance) method, which applies a periodic rate to the account’s ADB for the prior quarter. ADB is calculated by adding up each daily account balances and dividing by the number of days in the quarter. Share Accounts insured up to $250,000 through the NCUSIF (National Credit Union Share Insurance Fund), administered by NCUA, a U.S. Government Agency. IRA Shares (Savings) & Share Certificates (CDs) are also insured up to an additional $250,000 through the same fund. For more information, please visit NCUA.gov.

Term	Annual Percentage Rate (APR*)	Annual Percentage Yield (APY**)
06 months	Not available at this time	N/A
12 months	Not available at this time	N/A
24 months	Not available at this time	N/A
36 months	Not available at this time	N/A
48 months	Not available at this time	N/A
60 months	Not available at this time	N/A
Minimum deposit $500.00. Share certificate accounts (CDs) are non-negotiable and non-transferable. BOND Community FCU may withdraw this offer at any time. Any share certificate (CD) with the credit union is an open-rate certificate; early withdrawal penalties are: - Maturity of 12 months or less: 90 days interest - Maturity greater than 12 months: 180 days interest - Other penalties may apply as well Share Accounts insured up to $250,000 through the NCUSIF (National Credit Union Share Insurance Fund), administered by NCUA, a U.S. Government Agency. IRA Shares (Savings) & Share Certificates (CDs) Accounts are also insured up to an additional $250000 through the same fund. For more information, please visit NCUA.gov.