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Beaver Falls Teachers Federal Credit Union
1033 Main Street, Wampum, PA 16157
(724)-740-1444
contact@bftfcu.org

Rates

View our current rates today. All rates are subject to change.

Rates

The rates and terms shown are effective as of February 25, 2020.

Share Account Rates
Share Certificate
Savings 0.10% 6 Month 0.90%
Vacation Club 0.10% 12 Month 1.00%
Christmas Club 0.10% 18 Month 1.00%
  24 Month 1.50%

Share Secured Signature Loan Rates
Not Credit Scored Based
No Discounts
Regular Secured Share Up to 48 months APY +3.00
Secured Certificate Up to 48 months APY +3.00

Signature Loan Rates
Score CU Grade Up to 36 Months 37 - 48 Months 49 - 60 Months
800 - Up Excellent 7.75% 9.50% 10.50%
740 – 799 A 8.25% 9.75% 10.75%
670 – 739 B 8.75% 10.00% 11.50%
580 – 669 C 9.25% 11.50% 13.00%
579 - Below D 10.25% 12.00% 15.00%

NEW Auto Loan Rates
Score CU Grade Up to 60 Months 61 - 72 Months 73 - 84 Months
(Includes current and previous year models that are once titled,
within 6 months of purchase, and with less than 5,000 miles)
800 & Up Excellent 3.49% 3.75% 4.75%
740-799 A 3.74% 4.25% 5.74%
670-739 B 4.74% 5.00% 6.00%
580-669 C 5.99% 6.75% 7.75%
579-Below D 7.99% 8.50% 9.50%

USED Auto Loan Rates
Score CU Grade Up to 48 Months 49-60 Months 61-72 Months
Vehicle years 2015-2019
800 - Up Excellent 3.75% 3.99% 4.99%
740 – 799 A 3.99% 4.99% 5.99%
670 – 739 B 4.99% 5.99% 6.99%
580 – 669 C 6.99% 7.75% 8.50%
579-Below D 8.25% 8.50% 9.75%

USED Auto Loan Rates
Score CU Grade Up to 48 Months 49-60 Months
Vehicle years 2014 and prior are subject to only 80% NADA Value on 49 – 60 month terms
800 - Up Excellent 5.50% 7.25%
740 – 799 A 6.00% 8.25%
670 – 739 B 6.50% 9.25%
580 – 669 C 7.00% 10.25%
579-Below D 8.00% 11.50%

 Motorcycle, Powersport/ATV 2015 - 2020 Loan Rates
Score CU Grade Up to 48 Months Up to 49-60 Months 61-72 Months
800 - Up Excellent 4.75% 5.00% 5.74%
740 – 799 A 4.99% 5.24% 6.25%
670 – 739 B 5.25% 5.50% 6.75%
580 – 669 C 5.75% 6.25% 7.00%
579 - Below D 6.25% 6.99% 7.50%

 Motorcycle, Powersport/ATV 2006-2014 Loan Rates
Score CU Grade Up to 36 Months Up to 37-48 Months 49-60 Months
800 - Up Excellent 5.99% 6.25% 6.99%
740 – 799 A 6.24% 6.50% 7.25%
670 – 739 B 6.50% 6.74% 7.50%
580 – 669 C 6.75% 7.50% 8.24%
579 - Below D 8.00% 9.00% 10.00%

 RV & Boat 2015 - 2020
Score CU Grade Up to 60 Months Up to 61-84  Months 85-120 Months
800 - Up Excellent 4.74% 7.49% 8.49%
740 – 799 A 5.00% 7.75% 8.75%
670 – 739 B 5.75% 8.00% 9.00%
580 – 669 C 6.50% 9.25% 10.50%
579 - Below D 7.00% 10.25% 11.50%

 RV & Boat 2006-2014
Score CU Grade Up to 48 Months Up to 49-72  Months 73-84 Months
800 - Up Excellent 5.99% 6.99% 7.99%
740 – 799 A 6.25% 7.25% 8.24%
670 – 739 B 6.50% 7.72% 8.75%
580 – 669 C 7.00% 8.00% 9.75%
579 - Below D 8.00% 8.50% 10.50%


Subject to -0.25% discount on loans paid thru payroll deduction or ACH payment set up at credit union.