Bradford Area School Employees Federal Credit Union is a member-owned,
not-for-profit financial cooperative in Bradford, Pennsylvania.
Credit Score Key: A+=800 and up A=700-799 B=600-699 C=500-599 D= Below 500
A+ will reduce A rate by .5 percent, but not to go below 1.5%
Call 814-368-5595, visit us at 125 Main Street, Suite 206 for a loan application, or download a loan application here on the Website. Choose “Forms to Print” in the top menu bar.
SUMMER Time Loan Special
Personal loan rates in half until August 1st
A=4.5% B=5.0% C=5.5% D=6.0%
for up to 36 months A only no more than $8,000
for up to 24 months B no more than $5,000 and
C&D no more than $2,500, up to 24 months
Also, the BEST loans (boat, equipment, small tractor & plows)
extend this to include campers, ATVs, side by sides, etc.
New equipment for A&B
4.0% up to 36 months
5.0% up to 48 months
6.0% for 60 months
still have a max of $15,000
New equipment for C&D
5.5% for up to 36 months
6.5% for up to 48 months
7.5% for up to 60 months
Used equipment
(nothing older than 2014)
A&B 5.0% up to 48 months
C&D 7.0% up to 48 months
Our Rates
Dividend rate as of January 1, 2019, the last dividend declaration date, was determined based on the following scale:
$5.00 – $2,500.00 (in shares) .10% Annual Percentage Yield .1000%
$2,501.00 – $6,500.00 (in shares) .15% Annual Percentage Yield .1501%
$6,501.00 – $20,000.00 (in shares) .25% Annual Percentage Yield .2503%
$20,000.01 – $99,999.99 (in shares) .30% Annual Percentage Yield .3004%
Loan Rates
Personal Loan (0 – 60 months)
A+ & A (above 700) up to $10,000
B (600-699) up to $8,000
C & D (599- Below) up to $5,000
A = 9.0%
B = 10.0%
C = 11.0%
D = 12.0%
Brand New Vehicle (0 – 60 months) (Never Been Titled)
A= 2.5%
B= 4.5%
C= 6.5%
D= 8.5%
*Add .25% to all categories (A-D) to increase tern to 72 Months
New Vehicle (0 – 60 months)
(2016 and newer)
A= 2.75%
B= 4.75%
C= 6.75%
D= 8.75%
*Add .50% to all categories (A-D) to increase term to 72 months
*Add .75% to all categories (A-D) to increase term to 84 months
*Calculate additional .50% to any vehicle that has more than 40,000 miles
Used Vehicle (0 – 48 months)
(Not older than 2011)
A= 3.25 %
B= 5.25%
C= 7.25%
D= 9.25%
*Add 1.0% to all categories to increase term to 49-72 months
*Calculate additional .50% to any vehicle that has more than 80,000 miles.
Older Used Vehicle (0 – 48 months)
(2010-2008* Auto)
A= 5.5%
B= 7.5%
C= 9.5%
D= 11.5%
*Calculate additional .50% to any vehicle that has more than 100,000 miles
*Annually adjusted to allow financing to be nothing older than 10 Years from the current ‘Car Year’
B.E.S.T (Boat, Equipment, Small Tractor & Plows)
8% (Up to $15,000) (0 – 48 months)
Home Repair Loans:
Loans will be paid to vendors or providers of the home repair supplies or contractor. Borrower must provide proof of home ownership.
Home Repair (0 – 24 months)
A= 3.5%
B= 5.5%
C= 7.5%
D= 9.5%
Home Repair (25 – 60 months)
A= 7.99%
B= 8.99%
C= 10.99%
D= 12.99%
Debit Consolidation Loan Special:
(Check must be made Payable to Creditor)
A+, A & B Only=5% (0 – 60 months, up to $5,000)
Share Secured Loan:
2.00% over current savings dividend rate. The share amount of the outstanding amount on the loan may not be withdrawn until the loan is paid.
Key to Credit Scores
A+= 800 and up
A = 700 – 799
B = 600 – 699
C = 500 – 599
D = Below 500
A+ will reduce A rate by .5 percent, but not to go below 1.5%
If you are a member, you are an owner. That is the credit union difference.
