Auto Rates | Effective April 21, 2023 |
New Autos | 100% LTV Financing |
Repayment Term | 36 Months - 96 Months |
APR1,3 | 4.99% - 16.24% |
Used Autos (Model Year 2018-2022) | 100% LTV Financing |
Repayment Term | 36 Months - 84 Months |
APR1,3 | 4.99% - 16.24% |
Used Autos (Model Year 2017 or Older) | 100% LTV Financing |
Repayment Term | 36 Months - 63 Months |
APR1,2,3 | 4.98% - 16.24% |
All rates are subject to change without notice.
¹ Actual rate will vary depending on applicant’s credit ratings and length of loan term.
Members in a relationship pricing group qualify for a 0.25% APR discount.
² Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR.
Payment example based on a $10,000 loan: $184.57 at 5.74% APR with a 63-month term; $160.49 at 5.99% APR with a 75-month term; $151.23 at 6.99% with an 84-month term; $141.69 at 7.99% APR with a 96-month term.
3Posted rates are for existing members of Bellwood Credit Union
Boat & RV Rates | Effective April 21, 2023 |
New Boat & RVs | 100% LTV Financing |
Repayment Term | 36 Months - 144 Months |
APR1 | 5.99% - 17.24% |
Used Boat & RVs (Model Year 2020-2022) | 100% LTV Financing |
Repayment Term | 36 Months - 144 Months |
APR1 | 5.99% - 17.24% |
Used Boat & RVs (Model Year 2019 or Older) | 100% LTV Financing |
Repayment Term | 36 Months - 144 Months |
APR1,2 | 6.99% - 18.00% |
All rates are subject to change without notice.
¹ Actual rate will vary depending on applicant’s credit ratings and length of loan term.
² Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR.
Payment example based on a $10,000 loan: $189.32 at 6.74% APR with a 63-month term; $165.33 at 6.99% APR with a 75-month term; $156.22 at 7.99% APR with a 84-month term
Other Loan Rates | Effective February 24, 2023 |
Personal Loans1 | |
Repayment Term | 12 Months - 60 Months |
APR |
9.99% - 17.99% |
Personal Line of Credit2 | |
Repayment Term | Based on outstanding balance |
APR |
9.99% - 17.99% |
Share Secured Loan3 | |
Repayment Term | 1 Month - 72 Months |
APR |
3.00% above the Share Rate |
Overdraft Protection Line of Credit4 | |
Repayment Term | 12 Months |
APR | 17.00% |
¹Actual rate will vary depending on applicant’s credit ratings and length of loan term. Payment example based on a $2,500 loan: $77.18 at 6.99% APR with a 36-month term; $119.71 at 6.99% APR. with a 48-month term; $148.47 at 6.99% APR with a 60-month term. APR = Annual Percentage Rate.
2Actual rate will vary depending on applicant’s credit ratings. Payment based on amount outstanding balance: $1,000 or less = 12 months; $1,000.01 - $2,000 = 24 months; $2,000.01 - $4,000 = 36 months, $4,000.01 - $7,000 = 48 months; $7,000.01+ = 60 months. Finance charges accrue from the transaction date. Late payment fee is %5 of the payment amount or $5.00, whichever is greater. Return payment fee is $5.
3Payment example based on a $2,500 loan: $72.92 at 3.20% APR with a 36-month term. APR = Annual Percentage Rate.
4Payment based on amount outstanding balance: $500 or less = 12 months. Finance charges accrue from the transaction date. Late payment fee is %5 of the payment amount. Return payment fee is $5.
Motorcycle Rates | Effective April 21, 2023 |
New Motorcycles | 100% LTV Financing |
Repayment Term | 36 Months - 75 Months |
APR1 | 5.99% - 17.24% |
Used Motorcycles (Model Year 2020-2022) | 100% LTV Financing |
Repayment Term | 36 Months - 75 Months |
APR1 | 5.99% - 17.24% |
Used Motorcycles (Model Year 2019 or Older) | 100% LTV Financing |
Repayment Term | 36 Months - 63 Months |
APR1,2 | 6.99% - 18.00% |
All rates are subject to change without notice.
¹ Actual rate will vary depending on applicant’s credit ratings and length of loan term.
² Purchase money rates listed. For non-purchase money loans, add an additional 2.00% APR.
Payment example based on a $10,000 loan: $189.32 at 6.74% APR with a 63-month term; $165.33 at 6.99% APR with a 75-month term.
Home Equity Rates |
Effective May 10, 2023 | |
Adjustable-Rate Home Equity Line of Credit | ||
Repayment Term | 180 Months | |
APR1,2,3 |
Prime +0.00-1.50 |
8.25% - 9.75% (80% or Less LTV) |
Fixed Rate Home Equity Loan | ||
Repayment Term | 1 Month - 180 Months | 1 Month - 120 Months |
APR1,5 |
6.49% - 7.74% (80% or Less LTV) |
6.74% - 7.24% |
Fixed Mortgage Refinance Loan | ||
Repayment Term | 1 Month - 360 Months | |
APR1,5 |
5.74 - 6.49% |
All rates are subject to change without notice. Henrico will obtain a valid first or second lien position on the consumer’s dwelling. Adequate property insurance is required. If you close your Home Equity Line of Credit Plan and satisfy the security instrument within 12 months of the Plan's opening, you will reimburse us 100% of the closing costs we paid on your behalf. If you close your Home Equity Line of Credit Plan and satisfy the security instrument within 13-36 months of the Plan's opening, you will reimburse us for part of the closing costs we paid on your behalf by paying us a partial reimbursement fee of $350.00. If you decide not to enter into this plan within three business days of receiving this disclosure and the home equity brochure, you are entitled to a refund of any fee you may have already paid.
¹Actual rate will vary depending on the applicant’s credit ratings and length of the loan term.
²You may draw against your credit line any time during the first five years after closing.
³APR may vary, minimum APR is 3%, maximum APR is 16%.
4Maximum loan amount is $25,000 or less when LTV exceeds 80%
5Payment example based on a $10,000 loan: $109.98 at 5.74% APR with a 10-year term; $83.20 at 5.74% APR with a 15 year-term; $71.78 at 5.99% APR with a 20-year term; $61.69 at 6.24% APR with a 30-year term.