Rates

Rates may change after accounts are opened. Fees may reduce earnings.

APY = Annual Percentage Yield


Loan Rates

TypeRateTerms/Information
New & Used Vehicle Loan2.45%Apply today for a new auto loan
Motorcycle Loan2.45%Get out and Ride Today
Home Equity Line of Credit3.75%Convenient, easy to use, and affordable
Personal Line of Credit7.50%Access available loan funds at your convenience
Personal Loan8.95%Need cash for vacation, tuition, or unexpected expenses
Share Secured Loan3.00%Loan rate is 3% above rate earned on shares secured for loan
Visa12.95%Low fixed rate with no annual fee. Apply today!

* Loan rates are based on Bay Area Credit Union's reflective pricing program. The rate you pay will be reflective of your credit history. Members with an excellent credit history will receive our very best rate. Members just starting to build their credit or members with past credit problems will receive rates consistent with their credit history. It is our goal to help as many members as possible obtain affordable credit. All rates are subject to change without notice. Additional loan types, including Share-Secured, are available. For more information call: 419-698-2962. * APR means Annual Percentage Rate. Annual Percentage Rate includes $50.00 loan processing fee. Rates and terms are determined by your credit qualifications. Rates effective as of January 22, 2014.

Share Certificates

Certificate TermAPYMinimum Deposit
6 Month Share Certificate0.10%$1,000.00
12 Month Share Certificate0.20%$1,000.00
24 Month Share Certificate0.40%$1,000.00
36 Month Share Certificate0.70%$1,000.00
48 Month Share Certificate0.95%$1,000.00
60 Month Share Certificate1.16%$1,000.00
6 Month IRA Certificate0.10%$1,000.00
12 Month IRA Certificate0.20%$1,000.00
24 Month IRA Certificate0.40%$1,000.00
36 Month IRA Certificate0.70%$1,000.00
48 Month IRA Certificate0.95%$1,000.00
60 Month IRA Certificate1.16%$1,000.00

Penalty for early withdrawals. Rates effective as of January 22, 2014.

Savings Rates

TypeAPYMinimum DepositMinimum Balance
Savings0.01%$5.00$0.00
Holiday Club0.15%$0.00$0.00
Wealth Builder1.00%$0.00$0 - $3,500.00
0.01%$0.00$3,500.01
Money Market0.05%$50.00$2,500.00
0.05%$50.00$10,000.00
0.05%$50.00$25,000.00
0.10%$50.00$50,000.00
0.20%$50.00$100,000.00
Traditional IRA0.10%$0.00$4,999.00
0.10%$5,000.00$24,999.00
0.15%$25,000.00and up
ROTH IRA0.10%$0.00$4,999.99
0.10%$5,000.00$24,999.99
0.15%$25,000.00and up
Business & Community Savings0.01%$5.00$0.00
Basic Checking0.00%$50.00$0.00

Fees may reduce earnings. Rate may change after the account is opened. Rates effective as of January 22, 2014.