Loan Rates

For Informational Purposes Only printer friendly version
The rates shown include all Member Relationship Discounts APRs.

Effective Date: 12-4-2012
Type of Loan Approx. Term (Months) Daily Periodic Rate (%) Annual Percentage Rate (A.P.R.)(%)
New/Used Vehicles/Motorcycles
up to 6 years old
12-48 0.0055 - 0.0445 1.99% - 16.25%*
  49-60 0.0055 - 0.0473 1.99% - 17.25%*
  61-66 0.0062 - 0.0473 2.25% - 17.25%*
  67-72 0.0068 - 0.0473 2.50% - 17.25%*
  73-84 0.0151 - 0.0473 5.50% - 17.25%*
Used Vehicles/Motorcycles
over 6 years old
12-48 0.0082 - 0.0473 2.99% - 17.25%*
  49-60 0.0082 - 0.0500 2.99% - 18.25%*
  61-66 0.0089 - 0.0500 3.25% - 18.25%*
  67-72 0.0096 - 0.0500 3.50% - 18.25%*
  73-84 0.0178 - 0.0500 6.50% - 18.25%*
New/Used Recreational Vehicles 12-48 0.0123 - 0.0479 4.50% - 17.49%*
  49-60 0.0123 - 0.0479 4.50% - 17.49%*
  61-68 0.0130 - 0.0527 4.75% - 19.25%*
  67-72 0.0144 - 0.0527 5.25% - 19.25%*
  73-84 0.0233 - 0.0527 8.50% - 19.25%*
  85-120 0.0260 - 0.0527 9.50% - 19.25%*
New/Used Motor Homes 12-48 0.0123 - 0.0479 4.50% - 17.49%*
  49-60 0.0123 - 0.0479 4.50% - 17.49%*
  61-66 0.0130 - 0.0527 4.75% - 19.25%*
  67-72 0.0144 - 0.0527 5.25% - 19.25%*
  73-84 0.0233 - 0.0527 8.50% - 19.25%*
  85-120 0.0260 - 0.0527 9.50% - 19.25%*
New/Used Boats 12-48 0.0123 - 0.0479 4.50% - 17.49%*
  49-60 0.0123 - 0.0479 4.50% - 17.49%*
  61-66 0.0130 - 0.0527 4.75% - 19.25%*
  67-72 0.0144 - 0.0527 5.25% - 19.25%*
  73-84 0.0233 - 0.0527 8.50% -19.25%*
  85-120 0.0260 - 0.0527 9.50% - 19.25%*
FlexLine not applicable 0.0246 - 0.0479 8.99% - 17.49%*
Savings Secured up to 24 0.0082 3.00%
Vacation Club Secured up to 24 0.0082 3.00%
Share Certificate Secured up to share
cert term
dividend rate being paid on certificate plus 2.50%**
Personal up to 60 0.0246 - 0.0479 8.99% - 17.49%*
Fees
Penalty Fees
• Late Payment Fee
5.00% of any unpaid portion of your loan payment amount
• Return Payment Fee $29.00 If your payment is returned to us, you will be charges $29.00 for each returned payment

The rates shown include all Member Relationship Discounts APRs.
*Risk Based: The Annual Percentage Rate (APR) you receive will be within the range
disclosed above and is based on your credit worthiness, your Member Relationship with the credit union, the age of vehicle, and whether or not it is an existing BayPort loan. Please ask us for the rate that you qualify for. All terms may not be available.

For Additional information please refer to the Fee Schedule and your loan documents.