Personal Loans

Our personal loans offer an excellent opportunity to finance big expenses at our lowest interest rates.

Use a personal loan to fund your unique needs, including:

  • Overseas travel
  • Additional school expenses
  • Cash savings for the unexpected

We offer a variety of term lengths and interest rates, and you can pay the loan off before the end of your term with no penalty. Personal loans offer the stability of a fixed rate and fixed monthly payment.

Apply Now

Personal Loan Options

Personal Loans: Available for any purpose. No collateral is required; qualifying applicants can borrow on the strength of their signature alone.

Share Secured & Share Certificate Secured*: You may borrow from the Credit Union at preferred rates by using your Share Account or Share Certificate Account (excluding Individual Retirement Accounts) as collateral.

Debt Consolidation Calculator

With interest rates at historical lows, it may make sense to consolidate some of your credit card and other personal debt into a new consolidated loan, typically a home-equity loan. Consolidation loans can significantly reduce your required monthly payment because they are generally amortized over 10 or 15 years. Use this debt consolidation calculator to determine how quickly you could get out of debt and how much interest you might save

Debt Consolidation Calculator

Diverse group of friends

Member Loyalty Rewards

Get more benefits from your membership with BFSFCU!  Enjoy further loan rate discounts on Personal and Auto Loans for being a loyal member of your Credit Union. 

Learn More

Table data for Personal Loans
 12-06-2019
Account Description Approximate Term Annual Percentage Rate (APR) Introductory Annual Percentage Rate Payment Example ($3,000 loan amount) Alert Me
Personal, Fixed 36 Months 6.490% 36 payments of $93
Personal, Fixed 48 Months 8.490% 48 payments of $73
Personal, Fixed 60 Months 8.990% 60 payments of $62
Personal, Fixed 72 Months 9.490% 72 payments of $55
Education, Fixed 36 Months 6.740% 36 payments of $92
Education, Fixed 48 Months 6.990% 48 payments of $72
Education, Fixed 60 Months 7.240% 60 payments of $61
Education, Fixed 72 Months 7.490% 72 payments of $56
Pension Loan, Fixed1 72 Months 5.450% 72 payments of $49
Pension Loan, Fixed1 120 Months 6.200% 120 payments of $34
Loan programs and interest rates on this page are subject to change and/or cancellation without notice. This is not a guaranteed offer of credit; underwriting guidelines apply.
  • 1New money only. Maximum loan amount is $75,000 per year with a total aggregate amount of $150,000. All loan approvals are subject to normal underwriting procedures. Applicant must provide a copy of their pension statement from their Human Resources department regarding eligible contribution amounts with application. Loan proceeds will be funded directly to the pension account. Other terms and conditions may apply.↵

Further Resources