• Variable rate after the first 6 months shall be the Wall Street Journal Prime Rate (currently 5.50% as of 7/28/2022) floating with a floor of 4.00%
  • 10-year interest-only draw period (interest-only monthly payments) then 180-month principal plus interest repayment period
  • Financing up to 85% Loan to Value (Primary & secondary residence only) payments over 25 years
  • Minimum credit score of 670 required
²Introductory APR of .99% for the first six months with a minimum $50,000 line amount and $50,000 initial draw at funding. Property insurance is required. Flood insurance may be required. Monthly payments do not include amount due for taxes and/or insurance. All lines are subject to credit approval. Introductory rate not available for refinancing existing BHCU loans. Maximum line amount is $1M. Lines $500,000 or more require BHCU to be in 1st lien position. Promotion may be discontinued at any time. An early termination fee of $500 will be assessed if the line is closed before 36 months. Borrower is responsible for all closing costs (appraisal, credit report, flood and property search, recording fees, and title insurance if required). Vacation/second home must be in a 1st lien position and titled in name of a natural person. Other restrictions may apply. Variable rate after the first 6 months shall be the Wall Street Journal Prime Rate (currently 5.50% as of 7/28/2022) floating with a floor of 4.0%. 
  • Interest-only payments during first 6 months
  • 6.49% APR fixed for 25 years after the first 6 months
  • Fixed principal and interest payments over 25 years
  • Financing up to 85% Loan to Value (primary & secondary residence only)
  • Minimum credit score of 670 required

¹Introductory APR of .99% for the first six months with a minimum $50,000 loan amount. Monthly payments for the first six months shall be interest-only based on the loan amount. Starting in the seventh month and monthly thereafter until the loan is paid in full, a monthly principal and interest payment based on the loan amount at an APR of 6.49% fixed and fully amortized for a twenty-five-year period (300 month) shall be due. For example, based on a $50,000 25-year loan at 6.49% APR, the interest only payment for the 1st 6 payments = $42.04/month with the remaining 300 payments = $337.44/month. Monthly payments do not include amounts due for taxes and/or insurance. Property insurance is required. Flood insurance may be required. All loans subject to credit approval. Introductory rate and/or interest-only period not available for refinancing existing BHCU loans. Maximum loan amount is $1M. Loans over $500,000 or more require BHCU to be in a 1st lien position. Promotion and/or interest rate may be discontinued at any time. Borrower is responsible for all closing costs (appraisal, credit report, flood and property search, recording and satisfaction fees, and title insurance if required). Vacation/second home must be in a 1st lien position and titled in name of a natural person. Other restrictions may apply.

2

APY is Annual Percentage Yield for new accounts opened from 10/13/2022 - 12/31/2022 and subject to change after the introductory period. Fees may reduce earnings. Account must be opened and funded with new money only (not currently on deposit at BHCU within 30 days) and requires a balance of $2,500 to earn dividends. Advertised rate requires an active iSAVE Checking account (active = one ACH deposit, one BHCU bill pay, or one debit card purchase monthly). A base rate of .50% APY (accurate as of the last dividend declaration date) will be applied to all iSAVE Money Market accounts with an inactive iSAVE Checking account. Individual Retirement Accounts (IRA's) are not eligible. Maximum balance is $500,000 (excess will transfer to iSAVE Checking account). Promotional introductory rate and terms are subject to change or cancellation at any time. Money currently on deposit at BHCU will be considered eligible if the balance to be transferred is increased by 20%. Federally insured by NCUA.

APY is Annual Percentage Yield for new certificates opened from 10/13/2022-12/31/2022. Certificate must be funded with new money only. The minimum amount to open is $500 with a maximum of $250,000 for the special rate. Offer is limited to (1) certificate per member. Penalties apply for early withdrawal. Fees may reduce earnings. Promotion is subject to cancellation at any time. Contact an employee for further information about applicable fees and terms. Money currently on deposit at BHCU will be considered eligible if the balance to be transferred is increased by 20% and a monthly minimum checking account balance of $2,000 is maintained throughout the certificate term. If the minimum checking account balance is not maintained throughout the certificate term, the rate will become 2.00% APY. Federally insured by NCUA.

*APY is Annual Percentage Yield for new accounts opened from 9/15/2022 - 9/29/2022 and subject to change after the introductory period. Fees may reduce earnings. Account must be opened and funded with new money only (not currently on deposit at BHCU) and requires a balance of $2,500 to earn dividends. Advertised rates requires one ACH deposit, one bill pay, or one debit card purchase in an iSAVE Checking account account monthly. A base rate of .30% APY (accurate as of the last dividend declaration date) will be applied to all iSAVE Money Market accounts with an inactive iSAVE Checking account. Individual Retirement Accounts (IRA's) are not eligible. Maximum balance is $250,000 (excess will transfer to iSAVE Free Checking account). Promotional introductory rate and terms are subject to change or cancellation at any time, contact BHCU for details.

*APY is Annual Percentage Yield. Certificate must be funded with new money only. The maximum amount for the special rate is $250,000. Offer is limited to (1) certificate per member. Penalties apply for early withdrawal. Fees may reduce earnings. Promotion is subject to cancellation at any time. Contact an employee for further information about applicable fees and terms. Federally Insured by NCUA.

  • Special introductory rate of 0.99% APR* for the first six months
  • Variable rate after the first 6 months shall be the Wall Street Journal Prime Rate (currently 4.0% as of 5/6/2022) floating with a floor of 4.0%
  • 10-year interest-only revolving draw period (interest-only monthly payments) then 180-month principal plus interest repayment period (no additional advances)
  • Financing up to 85% loan-to-value (primary RESIDENCE only)
  • Minimum credit score of 670 required

*Introductory APR of .99% for the first six months with a minimum $50,000 line amount and $50,000 initial draw at funding. Property insurance is required. Flood insurance may be required. Monthly payments do not include amount due for taxes and/or insurance. All lines are subject to credit approval. Introductory rate not available for refinancing existing BHCU loans. Maximum line amount is $1M. Lines $500,000 or more require BHCU to be in 1st lien position. Promotion may be discontinued at any time. An early termination fee of $500 will be assessed if the line is closed before 36 months. Borrower is responsible for all closing costs (appraisal, credit report, flood and property search, recording fees, and title insurance if required). Other restrictions may apply.

  • Special introductory rate of 0.99% APR* for the first six months
  • Interest-only payments during the first 6 months
  • Starting with the 7th month, fixed principal and interest payments over 25 years
  • 4.24% APR fixed for 25 years fully amortized during repayment period
  • Financing up to 85% loan-to-value (primary RESIDENCE only)
  • Minimum credit score of 670 required

*Introductory APR of .99% for the first six months with a minimum $50,000 loan amount. Monthly payments for the first six months shall be interest-only based on the loan amount. Starting in the seventh month and monthly thereafter until the loan is paid in full, a monthly principal and interest payment based on the loan amount at an APR of 4.24% fixed and fully amortized for a twenty-five-year period (300 month) shall be due. For example, based on a $50,000 25-year loan at 4.24% APR, the interest only payment for the 1st 6 payments = $41.25/month with the remaining 300 payments = $270.59/month. Monthly payments do not include amounts due for taxes and/or insurance. Property insurance is required. Flood insurance may be required. All loans subject to credit approval. Introductory rate and/or interest-only period not available for refinancing existing BHCU loans. Maximum loan amount is $1M. Loans over $500,000 or more require BHCU to be in a 1st lien position. Promotion and/or interest rate may be discontinued at any time. Borrower is responsible for all closing costs (appraisal, credit report, flood and property search, recording and satisfaction fees, and title insurance if required). Other restrictions may apply.

Here’s How: Have the new member you refer write your name at the top of the application under “How did you learn about BHCU?” and we’ll take care of the rest!

⁴APY is Annual Percentage Yield. Certificate must be funded with new money only. The maximum amount for the special rate is $50,000. Offer is limited to (1) certificate per member. Penalties apply for early withdrawal. Fees may reduce earnings. Promotion is subject to cancellation at any time. Contact an employee for further information about applicable fees and terms. ⁵ Higher rate CD requires an active iSAVE Savings account. An active iSAVE Savings account requires an automatic, electronic deposit (ACH) monthly of new money. Federally Insured by NCUA. 

¹APY is Annual Percentage Yield for new accounts opened from 5/23/2022 – 6/23/2022 for 12 months and subject to change after the introductory period. Fees may reduce earnings. Account must be opened and funded with new money only (not currently on deposit at BHCU) and requires a balance of $2,500 to earn dividends. Advertised rate requires one ACH deposit, one bill pay, or one debit card purchase in an iSAVE Checking account monthly. A base rate of .30% APY (accurate as of the last dividend declaration date) will be applied to all iSAVE Money Market accounts with an inactive iSAVE Checking account. Individual Retirement Accounts (IRA’s) are not eligible. Maximum balance is $250,000 (excess will transfer to iSAVE Free Checking account). Promotional introductory rate and terms are subject to change or cancellation at any time, contact BHCU for details.

*BHCU will match up to $100 of member’s first ACH (Direct Deposit of Net Pay or a payroll allotment) that posts to the iSAVE Free Checking account within 30 days of opening. BHCU will refund up to $100 of member’s first payments using bill pay from the iSAVE Free Checking account within 30 days of opening. BHCU will refund up to $100 of all debit card purchases (excludes ATM withdrawals) that post to the iSAVE Free Checking account within 30 days of opening. All credits will be posted to the iSAVE Free Checking account within 90 days of account opening. This promotion is subject to change or termination without notice. Must be 18 years old to participate. Existing BHCU checking account holders are excluded from $300 offer.

*A Regular Share (Savings) account must be opened to become a member. BHCU will deposit the first $5 into the new member’s Regular Share (Savings) to open the account. The $50 bonus will be deposited into the referring member’s Regular Share (Savings) account up to 45 days after the new member’s account is open.

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