BUFFALO COMMUNITY FCU
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Rates

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during our business hours.

 

Current Rates
Effective 02/01/2015

National Credit Union Administration Federally Insures Savings To $250,000.00
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. 
FEES COULD REDUCE EARNINGS ON INTEREST BEARING ACCOUNTS

Share Accounts  
 

Dividend Rate

APY*

Share Account

.05%

.05%

- To be considered an active member of the credit union, a minimum of $25.00 is required in the Share Account at all times. To receive a dividend, you must maintain an average daily balance of $500.00 or more.  
- The dividend rate for next quarter will be based on available earnings.  
- Please note these changes do not effect children and youth accounts, the minimum balance required to earn dividend will remain $100.00 and minimum balance required to be considered an active member is $5.00.
*APY= Annual Percentage Yield

Money Market
 Balance

Dividend Rate

APY*

$2,500.00 - $9,999.99

0.05%**

0.05%**

$10,000.00 - $24,999.99

0.10%**

0.10%**

$25,000.00 - $49,999.99

0.15%**

0.15%**

$50,000.00 and more

0.25%**

0.25%**

Rates are effective as of

02/01/2015

Dividends are paid monthly on the full average daily balance of $2,500.00 and over in the account, at the stated interest rate that corresponds to the applicable deposit tier.  The rate for the next month will be based on available earnings.  Requires $2,500.00 minimum balance to open.

Click Here for our Money Market Disclosure Information.

*APY= Annual Percentage Yield
**Restrictions Apply, contact us at any of our branches for more information

Share Certificates1 / IRA Share Certificates
Minimum of $1,000.00 Deposit Required

Dividend Rate

APY*

1 Year

0.35%**

0.35%**

2 Years

0.50%**

0.50%**

3 - 4 Years

0.65%**

0.65%**

5 Year

1.00%**

1.00%**

A penalty equaling three (3) months interest, whether earned or not, may be imposed for early redemption/withdrawal. 
*APY= Annual Percentage Yield
**Restrictions Apply, contact us at any of our branches for more information
1Share Certificates are an investment tool, which earn a higher dividend than share accounts for a specified length of time

VISA Credit Card 
 

APR*
rates as low as

Grace Period

Annual Fee

Classic

10.95%

25 days

none

Gold

9.30%

25 days

none

View our Visa Classic (PDF) & Visa Gold (PDF) disclosures for more information
*APR= Annual Percentage Rate 

Home Mortgage & Home Equity Loan

Fixed and adjustable rates based on available equity. 

Contact our Loan Department at anyone of our branches for current rates.

Email Disclaimer: Your Credit Union is committed to protecting the privacy of its members. Regular non-encrypted Internet email is not secure. Messages sent via any department links from our website are not secure and should never contain any personal or sensitive information such as account numbers, social security numbers, passwords, etc. Our staff will never reply back to these email messages with confidential member information.

Auto Loans
 

APR*
rates as low as

 

Term

New & Used(up to 1 year old)

1.99%2

Purchase Price

Up to 60 months

 

2.59%3

 

Up to 72 months

 

2.99%4

 

Up to 84 months

2As low as 60 monthly payments of $17.89 per $1,000 borrowed
3As low as 72 monthly payments of $15.19 per $1,000 borrowed
4As low as 84 monthly payments of $13.67 per $1,000 borrowed
 

Used - 2 to 7 years old

2.99%5

NADA Book Value

Up to 60 months

 

3.49%6

 

Up to 72 months

5As low as 60 monthly payments of $18.19 per $1,000 borrowed
6As low as 72 monthly payments of $15.65 per $1,000 borrowed
Classic Cars - 20 yrs & older

5.50%7

Call for Info

Up to 72 months

7As low as 72 monthly payments of $16.34 per $1,000 borrowed
*APR= Annual Percentage Rate

Other Loans
 

APR*

 Max

Months

Fully Secured

3.05%

Shares 3.00% above current dividend rate ~ Certificate 3.00% above certificate rate for remaining term.

As low as 72 monthly payments of $15.26 per $1,000 borrowed
As low as 60 monthly payments of $20.05 per $1,000 borrowed

Partially Secured

rates as low as
6.05%

Shares 6.00% above current dividend rate

As low as 72 monthly payments of $16.64 per $1,000 borrowed
Life Style (Back Yard, Wellness, Bridal, ETC.)

rates as low as
5.49%8

rates as low as
7.50%

 

Up to 36 Months

Up to 60 months

 

7.50%9

 

Up to 60 Months

8As low as 36 monthly payments of $30.20 per $1,000 borrowed
9As low as 60 monthly payments of $20.04 per $1,000 borrowed
Holiday

rates as low as
5.99%

$2,000.00

12 months

As low as 12 monthly payments of $86.07 per $1,000 borrowed
Overdraft

16.00%

$2,500.00

 

Boat/Camper/RV
 -New and Used-

rates as low as
3.99%

 

Up to 60 months

As low as 60 monthly payments of $18.42 per $1,000 borrowed
Boat/Camper/RV
  -New and Used-

rates as low as
5.59%

 

Up to 120 months

As low as 120 monthly payments of $10.90 per $1,000 borrowed
Boat/Camper/RV
  -New and Used-

rates as low as
7.59%

 

Up to 180 months

As low as 180 monthly payments of $9.33 per $1,000 borrowed
ATV/Snowmobile/
Personal Watercraft

rates as low as
4.99%

 

Up to 60 months

As low as 180 monthly payments of $18.87 per $1,000 borrowed
*APR= Annual Percentage Rate

Your Credit Union is committed to protecting the privacy of its members.  Regular non-encrypted Internet email is not secure.  Messages sent via any department links from our website are not secure and should never contain any personal or sensitive information such as account numbers, social security numbers, passwords, etc.  Our staff will never reply back to these email messages with confidential member information.

Email messages through our Home Banking service, Virtual Branch, are fully secure through SSL.

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