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Rates
Loan Rates (regular)  SEE LOAN SPECIALS BELOW
APR - Annual Percentage Rate
Additonal charges may be incurred related to all vehicle loans, such as late payment fees and/or security interest charges that relate to your existing policies and/or contractual agreement.(see limited time loan rates that follow this chart.)

Type Term Annual Percentage Rate
New Vehicles up to 48 months 10% down 6.99% APR
Used Vehicles up to 48 months 6.99% APR
New Vehicles 49 - 84 months 10% down 7.50% APR
Used Vehicles 49 - 60 months 7.50% APR
All other Secured Loans ex. Boats, RVs, Motorcycles, etc. 8.00% APR
Signature Loans Closed and Open up to 36 months 9.9% APR **
** can apply for up to $3,000 (available to go to $5,000 if debt ratio is below 40% and good credit history

 


Loan Specials (limited time only) *  

* NEW LOANS ONLY, current BDFCU loans are not available to be refinanced for special rate, special rate is for limited time only.                                                                                                      


Type Term Annual Percentage Rate
New Vehicles, trucks or motorcycles ***

up to 60 months

61 - 72 months

73 - 84 months

4.99%

5.99%

6.99%

All other New RV's, boats,campers etc. ***

 

up to 48 months

49 - 60 months

61 - 84 months

4.99%

5.99%

6.99%

Used (5 years old & newer) vehicles, trucks & motorcycles

All other Used (5 years old & newer) Rv's, boats, campers etc.

 

Used ( 6 years old & older - vehicles only)

 

up to 60 months

up to 48 months

up to 60 months

up to 48 months

5.99%

5.99% *

8.00% *

8.00%

 

All other Secured (term determined by amount borrowed)  

8.00%

 

Signature Loans** (Open and Closed End Loans)    9.9% 

* NEW LOANS ONLY - current BDFCU loans are not available to be refinanced for special rate. Special rate is for limited time only.

** can apply for up to $3,000, ( available to go to $5,000 if debt ratio is below 52% and member has good credit history.

*** purchase price of vehicle only. No GAP insurance or extended warranties.
Loan Requirements

Loan officers look at past credit history and also do a debt ratio.  To apply for a loan, call the credit union and we will send you out the loan application or fill out our online loan application and fax paystubs: 616.396.0030.
Once received, fill out the application completely, sign the Note and Disclosure, and send back with a copy of a recent pay stub.  As soon as we get it back, the Loan Officer will look at it.  If itīs approved and everything is in order, we can send a check out the same day.  Payments are due on the 25th of every month.


Savings Rates
APY - Annual Percentage Yield
Effective: 05/1/08
Accounts Rates Annual Percentage Yield
Shares Savings   .50 .50% APY
Share Draft (checking)   .25 .25% APY
Working Money   .50 up to $2,500.00 earns share rate
$2,500.00 - 9,999.99 1.25% 1.26% APY
$10,000.00 and over 1.75% 1.77% APY
IRA's 3.00% 3.04% APY
Fees could reduce earnings on savings products. See our Rate and Fee Schedule.


Big Dutch Fleet Credit Union
215 E. 25th Street
Holland, Michigan 49423
616.396.5000
Fax: 616.396.0030
info@bigdutchfleet.org