Loans - B-M S Federal Credit Union

SIGNATURE LOAN CLASSIFICATION: (CONTINUOUS EMPLOYMENT - NO GAP OVER 30 DAYS)

With 6 mos

With 1 Yr

With 5 Yrs

With 10 Yrs

With 15 Yrs

Signature Only:

$3000 12 mos

to $7500.00

to $10,000.00

to $12,500.00

to $15,000.00

One Co-signer:

to $5000.00

to $12,000.00

to $15,000.00

to $17,500.00

to $20,000.00

Loans are at an interest rate as low as 7.50%.
Each of these loans are available for 24, 36, and 48 months except loans for members with 6 months employment with no co-signer.

AUTOMOBILE LOAN CLASSIFICATION:

New Cars:
100% financing including tax and title

		Rates as low as:
	24 Months	5.25%
	36 Months	5.49%
	48 Months	5.99%
	60 Months	6.49%
	72 Months (Over $20,000)	6.99%

Pre-Owned Cars:
Cars only up to 48 months and up to 100% of book value.

		Rates as low as:
	24 Months	5.25%
	36 Months	5.49%
	48 Months	5.99%

Note:
2005 thru present may be financed for 48 months
2000 thru 2004 may be financed for 36 months
1997 thru 1999 may be financed for 24 months
Historical autos are case-by-case basis

RECREATIONAL VEHICLE LOAN CLASSIFICATION:
(Boats, motorcycles, ATV's, trailers, motorhomes)

	Term	Amount	Rate
New:	Up to 144 Months	100% financing including tax and title	8.00%

Available on RV's over $20,000.00, up to a maximum of $200,000.00
Less than $20,000.00 Maximum term is 5 years

Pre-Owned:

Up to 144 Months

Loan Amount

8.50%

Available on RV's over $20,000.00, up to a maximum of $100,000.00
Less than $20,000.00 Maximum term is 5 years.

SHARE SECURED LOAN CLASSIFICATION:

	3% above current dividend rate for maximum of 48 months.
	4% above current dividend rate for 50% secured.

STOCK SECURED LOAN CLASSIFICATION:

Available up to maximum of 75% value of stock certificates to a maximum of $200,000.00
Terms variable at 8.0% Available only on stocks listed on NYSE.

SPECIAL LOAN CLASSIFICATIONS:

Computer Purchase	Up to $2500.00	2 Years	8.5%
Education (Incl. Tech)	Up to $5000.00	3 Years	8.5%

REAL ESTATE LOAN CLASSIFICATIONS:

Home Equity	$7,500.00 to $100,000.00	5 Years	6.50%
		7 Years	6.75%
		10 Years	7.00%

HOME EQUITY LINE OF CREDIT:

Prime minus .25% with ACH. Prime minus zero without ACH.*

* Minimum rate of 5.00% APR for life of the loan.

Please call (800) 571-6985 for all Home Equity Loan inquiries.

Notes:
ALL LOAN APPLICATIONS WILL BE SUBJECT TO A CREDIT BUREAU REPORT BEFORE LOAN IS APPROVED LOANS MUST BE PAID DOWN 30% BEFORE REFINANCING IS AVAILABLE.

A HOLD OF $100.00 WILL BE PLACED ON YOUR MAIN SHARE ACCOUNT FOR THE DURATION OF ANY LOAN WITH B-M S FEDERAL CREDIT UNION.

Loan Policy subject to change without prior notice.

Need assistance? Send us an e-mail at info@bmsfcu.org.