Rates & Fees
Loan Rates as of May 21,2025.
Apply for a Loan • Calculate Payments
Find the type of loan you're looking for in the first column and follow to the right to see the APR in the second column, and the maximum term in months in the last column.
| Loan Type |
APR* |
Maximum Term (Months) |
| Autos & Trucks 2024 & Newer |
low as 3.59%* |
up to 60 |
|
low as 4.09%*
low as 5.34%*
|
up to 72
up to 84
|
| Autos & Trucks 2021-2023 |
low as 4.59%* |
up to 60 |
| low as 5.39%* |
up to 72 |
| Autos & Trucks 2019-2020 |
low as 5.19%* |
up to 60 |
| Autos & Trucks 2017-2018 |
low as 6.19%* |
up to 48 |
| Autos & Trucks 2016 & Older |
low as 7.19%* |
up to 48 |
| Boats & RV's 2021 & Newer |
low as 6.99%* |
up to 120* |
| Boats & RV's 2020 & Older |
low as 7.99%* |
up to 96* |
| Motorcycles 2021 & Newer |
low as 7.99% |
up to 72 |
| Motorcycles 2020 & Older |
low as 8.99% |
up to 60 |
| Personal Life Loan |
low as 10.29%* |
up to 60 |
| Need It Now |
Rates Vary |
Terms Vary |
| Share Secured |
5.25% |
84 |
| VISA Classic |
12.6% |
- |
| VISA Platinum |
8.9% |
- |
*Actual rates will be based on credit qualifications and maybe higher than the above rates.
*Advertised rates include .25% discount for automatic payment from a BMCU account/payroll deduction and .25% discount for having an active account with direct deposit
*Existing BMCU loans may not be eligible for refinancing.
*Loan amount must be over $50,000 to qualify for longer term on Auto, RV, & Boat loans
*Certain restrictions apply.
*APR is the Annual Percentage Rate.
Bloomington Municipal Credit Union may offer matching rates from other lenders. Please call us before accepting a loan with another institution.
This replaces all previous loan rates and promotions. All loans are simple interest. The rates and yields are subject to change without notice.
Share Rates as of March 19,2025.
Share account type is located in the first column, followed by the nominal rate in the second, APY in the third, and how it's compounded and paid in the last column.
| Account Type |
Nominal Rate |
APY* |
Compound & Pay Rate |
| Shares |
0.75% |
0.75% |
Compounded daily-paid quarterly |
| Christmas and Vacation Shares |
1.75% |
1.76% |
Compounded quarterly-paid quarterly |
| IRA's (Traditional-Roth-Education) |
0.75% |
0.75% |
Compounded quarterly-paid quarterly |
| Share Drafts |
0.00% |
0.00% |
Compounded monthly-paid monthly |
| Money Market |
1.60% |
1.61% |
Compounded daily-paid quarterly |
*APY is the Annual Percentage Yield. Rates subject to change without notice.
The minimum balance for a Money Market Share account is $2500. If more than three transactions are conducted in a month or the balance goes below the $2500.00, there is a $10 monthly fee.
Share Certificates as of January 17, 2024
Share certificate term can be seen in the first column, followed by nominal rate in the second, and APY in the last.
| Term |
Nominal Rate |
APY* |
| 6 |
4.25% |
4.33% |
| 12 |
4.25% |
4.33% |
| 24 |
3.50% |
3.55% |
*APY is the Annual Percentage Yield. Rates subject to change without notice.
$1000.00 minimum balance is required. There is a penalty for early withdrawal. Certificate yields shown assume that dividends are compounded monthly to the certificate.
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Member Fees:
| Accounts Closed if balance falls below $10.00 |
$5.00 |
| Copy of a Check |
$5.00 |
| Check Book Order |
$15.00 |
| Christmas Club Early Withdrawal |
$10.00 |
| Dormant Account (18 mo of returned mail/incorrect address |
$30.00 |
| Lost/Stolen ATM/Debit Card |
$10.00 |
| Money Market Withdrawal |
$10.00 (3 free per month |
| Money Orders |
$1.00 |
| Returned Checks |
$25.00 |
| Overdraft Fee |
$25.00 |
| Primary Transfer fee for Overdraft |
$3.00 |
| Stop Payment on ACH |
$15.00 |
| Stop Payment on Money Orders/Cashiers Checks/Personal Checks |
$15.00 |
| Vacation Club Withdrawal |
$10.00 (2 free per year) |
| Returned Mail Fee |
$10.00 |
| Wire-Out Domestic |
$15.00 |
| Wire-Out International |
$40.00 |
| Member Statements (Non-Letterhead) |
$3.00 Per Month |
| Member Statements (Letterhead) |
$5.00 Per Month |
| Cashier's Checks |
Members will recieve 1 free cashier's check per month. A $1 Service Fee will be added to each additional cashier's check. |
| Non-Member Check Cashing |
A $3 Service Fee will be Applied to any non-member cashing a check drawn off a BMCU account |
| Debit Card Cash Advance Fee |
$10 per transaction |