BCT LOAN RATES AND TERMS 07/01/08
(Rates subject to change)
Loan Type
Fixed Annual Percentage Rate
Maximum Term*
Cars and Trucks
2005-2008 models (loan type SA)
4.70%
48 months
2005-2008 models (loan type A4)
4.85%
60 months
2005-2008 models (loan type A5)
5.75%
72 months
2005-2008 models (loan type 4A)
6.75%
84 months
2005-2008 models (loan type UC)
8.00%
96 months
2002-2004 models (loan type 6C)
5.75%
60 months
2000-2001 models (loan type A6)
7.25%
48 months
Motor Homes/Travel Trailers
2005-2008 models (loan type 7T)
7.85%
144 months
2003-2004 models (loan type 8H)
9.95%
120 months
Unsecured Loans
Consolidation Loan (loan type C7) $30,000 maximum
9.00%
120 months
Unsecured Loans (loan type P8) $20,000 maximum
Unsecured Loans (loan type P3) $10,000 maximum
10.50%
7.00%
120 months
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 $75,000 or 80% of the appraised value less outstanding mortgages
6.00%
120 months
First Mortgage Real Estate Borrow up to $200,000 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)
6.00% on new loans only
15 years/no points 5% down payment required
First Mortgage Real Estate Borrow up to $200,000 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)
6.25% on new loans only
20 years/no points 5% down payment required
First Mortgage Real Estate Borrow up to $200,000 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.
