BCTFCU -- Broome County Federal Credit Union

IMPORTANT UPDATE

New information regarding ABA/Routing Number Switch.

Read the complete update...

To Report Cards Lost/Stolen:

Visa Debit Card: 1-800-543-5073
Visa/MC Credit Card: 1-800-325-3679

Consolidation
Loan Specials:

$30,000
4 Years - 6%
8 years - 7%
10 years - 9%

Consolidate all your unwanted debt and start saving today!

Loan Rate Sheets

BCT LOAN RATES AND TERMS 07/01/10 

(Rates subject to change)

Loan Type

Fixed Annual Percentage Rate

Maximum Term*

Cars and Trucks

2007-2010 models
(loan type SA)

4.25%

48 months

2007-2010 models
(loan type A4)

4.50%

60 months

2007-2010 models
(loan type A5)

5.00%

72 months

2007-2010 models
(loan type 4A)

6.00%

84 months

2007-2010 models
(loan type UC)

7.00%

96 months

2004-2006 models
(loan type 6C)

5.45%

60 months

2002-2003 models
(loan type A6)

7.50%

48 months

 

Motor Homes/Travel Trailers

 

 

2007-2010 models
(loan type 7T)

7.55%

144 months

2005-2006 models
(loan type 8H)

9.70%

120 months

 

Unsecured Loans

 

Consolidation Loan
(loan type C7)
$30,000 maximum

9.00%

120 months

Unsecured Loans
(loan type P8)
$20,000 maximum

10.50%

120 months

Unsecured Loans
(loan type P3)
$10,000 maximum

7.00%

36 months

Home Improvement Loans
(loan type HI) $20,000 maximum.
Contractor estimates required.

8.50%

60 months

Home Improvement Loans
(loan type H9) $20,000 maximum.
Contractor estimates required.

10.50%

120 months

 

VISA and/or MasterCard

$15,000 Maximum Credit Limit

7.70%

 

Home Loans

Home Equity Line of Credit (loan type H5) Borrow up to $125,000 or 80% of the appraised value less outstanding mortgages

6.00%

120 months


First Mortgage Real Estate Borrow up to $300,000 or 95% of the sales price or 95% of the appraised value, which ever is less. Must be located within 150 mile radius of Binghamton, NY and primary residence of borrower (loan type M1)

6.25% on new loans only

15 years/no points 5% down payment required


First Mortgage Real Estate Borrow up to $300,000 or 95% of the sales price or 95% of the appraised value, which ever is less. Must be located within 150 mile radius of Binghamton, NY and primary residence of borrower (loan type M2)

6.50% on new loans only

20 years/no points 5% down payment required


First Mortgage Real Estate Borrow up to $300,000 or 95% of the sales price or 95% of the appraised value, which ever is less. Must be located within 150 mile radius of Binghamton, NY and primary residence of borrower (loan type 7F)

6.75% on new loans only

30 years/no points 5% down payment required

 

Savings Secured Loans

Savings Secured Loan (loan type SF)

 5.99% 84 months

 

*Other terms and conditions may apply. Speak with a loan officer for further details, or request a loan application by e-mail.

 

News

New Text Message Scam Circulating

There is another text message scam targeting BCT Federal Credit Union stating members online banking accounts have been locked. Please do not respond to this message as it is a scam.

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Recruitment Scam

Please be advised of a new “Recruitment Scam” that is recruiting individuals to open accounts at credit unions and commit fraud.

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New Businesses and Organizations Eligible to Join BCT

BCT is pleased to announce the addition of 7 local businesses and organizations to its membership.

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Stay Ahead of Scams

Stay ahead of scams - Don’t Become A Victim

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