Bell Credit Union

Loan Rates
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BCU offers competitive rates for deposits as well as loan products. If you want to see how rates affect your deposits or loans check out our calculators.

Our rates posted are current, however they are subject to change without prior notice.

Vehicle Rates
Model Year	Term	"A" APR	"B" APR	"C" APR	"D" APR
2025-2024 New Vehicles	36-60 Months	4.75	6.75	8.25	11.00
2025 - 2024 New Vehicles	61-72 Months	5.00	7.25	8.75	11.50
2025 - 2024 New Vehicles	73-84 Months	5.25	7.50	9.25	12.00
2024 - 2020 Used Vehicles	36-60 Months	5.50	7.75	9.75	12.50
2024 - 2020 Used Vehicles	61-72 Months	5.75	8.25	10.25	12.75
2024 - 2020 Used Vehicles	73-84 Months	6.00	8.75	10.75	13.00
2019 - 2015 Used Vehicles	Up to 36 Months	6.00	8.25	10.25	13.00
2019 - 2016 Used Vehicles	37-60 Months	6.50	8.75	10.75	13.25
2019 - 2016 Used Vehicles	61-72 Months	6.75	9.00	11.00	13.50
2015 & Older Used Vehicles	36 Months	7.75	9.50	11.25	13.50
2015 & Older Used Vehicles	37-60 Months	8.00	9.75	11.50	13.75
Signature and/or Miscellaneous Collateral	1-36 Months	8.75	13.25	14.75	17.75

Please contact a loan officer at the credit union for rates and terms on all Recreational Vehicles. (Boats, Motorcycles, ATV's).

**Any Collateral that is not tagged and requires a UCC instead increases the interest rate by .50%**

Notice: Interest rates listed are APR (Annual Percentage Rate). All rates are subject to credit approval and are subject to change without notice. Rates apply to new Bell CU loans and refinances from other financial institutions. Your rate will be determined by your credit performance and security offered. Mileage & term guidelines are not intended as policy only as guidelines. All considerations and qualifying factors will be reviewed.

Visa Card

10.90% APR

APR - Annual Percentage Rate

APY - Annual Percentage Yield

All rates subject to change without notice

Truth in Savings Disclosure