All BFCU Loans Features:
- Competitive rates and flexible repayment
terms
- No application fees
- Easy payments through automatic
transfers and/or payroll deduction
- Optional Credit Life & Disability
Insurance
Click to loan
rates for current rates and the
Loan/Savings Calculator
to determine loan payments. Use our loan
application to
apply now!
New & Used Car Loans - Purchase or
Refinance
- Up to 100% financing
- Choose a fixed and variable rate
- Generous terms up to 60 months
- No application fees
- Discounts on fixed rate auto loans
are available if you use any of the
following services at BFCU: Checking,
VISA, or direct deposit. Save up to .75%
when you use all three.
Call us about a refinance of your vehicle
loan from another lender - we could be saving
you money!
It's worth the phone call - 248-1127 or
1-800-331-5470.
Or apply online now.
|
Type |
Fixed |
Adjustable |
| New &
Used Cars |
As low
as 5.99% APR.
Varies by credit profile. |
4.00%
APR*
Varies by credit profile. |
*Annual Percentage Rates in
effect 3/03/2008.
Loan Rates
Extended Protection Plans Available
Three levels of protection for new and used
vehicles, whether the vehicle is new or used,
purchased or leased.
GAP Coverage
Coverage in the event your vehicle is totaled or
stolen and not recovered.
See a Financial Service Representative for
complete details.
Helpful car
shopping links
Visit the
MEMBERS Financial Network for Auto
Insurance Information and a Free Quote
Borrow for the holidays, vacation, debt
consolidation, or new furniture!
Share Secured Loans
Your shares in your Credit Union can be used as
collateral for your loan.
This can be a great way to build your credit
rating.
-
 No
annual fee.
- No cash advance fees
- Cash advances at designated ATM's
E-mail us
NOW to request an application.
To report a lost or
stolen VISA card call toll-free, 24 hours a day,
1-800-543-5073.
 Password-Protect
Your VISA for Added Safety Online
Verified by VISA, is one way to add safety when
you buy online. Protect your existing Billings
Federal CU Visa card by creating a personal
password as unique as you are.
VERIFIED BY VISA helps ensure that only you can
use your Visa card to buy online.* Register
today! It takes just a few minutes to activate.
Activate now! VERIFIED BY VISA. Same
card, added safety when you buy online.
|
Annual Percentage Rate for Purchases
|
13%*
|
|
Grace period for repayment of the
balance or purchases |
25 days |
|
Method of computing the balance for
purchases |
Average Daily Balance
(including new purchases) |
|
Annual Fee |
None |
|
Late Payment Fee |
$20.00 |
|
Over the Credit Limit Fee |
$10.00 |
*Rate in effect July 2,
2007.
Student Loans are available through the
Credit Union through the Student Assistance
Foundation of Montana and their Montana's Choice
loans.Contact us by phone or
e-mail or stop by any Billings
Federal office and ask for a Financial Aid
Information Packet.
TO SELECT BFCU AS YOUR STUDENT LOAN PROVIDER,
use
our
Lender Code 832099
on your Master Promissory Note (MPN).
- Stafford Student Loan - one of
the most affordable financial aid tools
available to students. Interest rates are
lower than most other forms of financing.
Payments are deferred until after you
graduate.
- Parent PLUS Loan - loans to a
parent of a full or part-time dependent,
undergraduate student. No aggregate limit
means a parent can borrow as much as needed
to pay for the child's college education
(less other financial aid).
- NEW! Graduate PLUS Loan -
This is a low-interest loan for graduate and
professional students. To qualify you must
be attending school and have applied for the
maximum amount available in the Federal
Stafford Loan program.
- $wift Start Consolidation Loan.
Consolidate student loans received while
attending a Montana post-secondary
institution or if you were a Montana
resident and received a loan while attending
a school outside of Montana, or your
currently reside in Montana. Investigate the
possibilities of having one loan, one
payment.
For more information about the rates and financial aid
process, visit
Student Assistance Foundation of Montana
website. You'll find resources, forms, and much
more.
Student Loan Consolidation
If you are currently paying on more than one student loan,
it's time to simplify. BFCU offers student loan consolidation loans
with one loan, one
payment, one interest rate.
Bring your plans to
life when you finance with a Home Equity Line of
Credit. BFCU offers generous amounts up to 100% of
the equity you have in your home. Rates start as low as
4.50% APR.* A
Financial Service Representative will be happy
to discuss your options with you.
Use the equity in your home for:
- debt consolidation - You may be able to
keep more money in your pocket every month.
Call 248-1127 and we'll walk through the
possibilities together.
- home remodel or repairs
- new vehicle or RV
- vacations
- you name it!
E-mail
or call your Credit Union today at 248-1127
or 1-800-331-5470.
Mortgage Loans
With a real estate loan from your Credit Union,
you get the personal professional service you
know is part of our tradition. We offer fixed or
variable rates with flexible repayment terms.
Call Eric, BFCU Mortgage Originator, at
406-867-1634 to talk about how easy and
comfortable the process can be when you borrow
with your Credit Union.
- Home purchase or refinance
- Construction Loans
- Second Homes
Mobile Home Loans
New or Used Mobile Homes can be financed with
flexible terms.
*Annual Percentage Rate in effect
March 3, 2007. The APR may vary quarterly to a
maximum 18% APR.
Boats, Motorcycles, Vacations, RV's, etc.
Apply Online now!
|
