Rates

Auto, Credit Card & RV Rates

Term New
APR as low as1
Used
APR as low as1
Alert Me
Up to 35 months 1.89% 1.89% Receive a notification when this rate changes
Up to 59 months 2.69% 2.69% Receive a notification when this rate changes
Up to 84 months 2.99% 2.99% Receive a notification when this rate changes
Representative Example: A $25,000 loan financed at 2.99% for 84 months would result in 84 payments of $330.23 Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Burbank City Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Rates advertised are best available for vehicles year models 2011 or newer and with less than 100,000 miles.

"As low as" rates listed are our best fixed rates on approved credit and include a .25% rate discount for Automatic Payment (AutoPay). Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances we may require borrowers to purchase Guaranteed Auto Protection on new and used auto loans. Rates are .25% higher without AutoPay.
  • 1APR = Annual Percentage Rate

APR As Low As1 Alert Me
Platinum Rewards MasterCard Credit Card2 1.99%2 Receive a notification when this rate changes
MasterCard Credit Card 9.90% Receive a notification when this rate changes
Secured MasterCard Credit Card 9.90% Receive a notification when this rate changes
Personal Line of Credit 9.90% Receive a notification when this rate changes
"As low as" rates listed above are our best rate based on approved credit. Actual rate may be higher depending upon applicant's credit rating and other underwriting factors. Line of Credit minimum monthly payment is based on an amortization of up to 60 months. A typical $2,000 Line of Credit financed at 9.90% would result in a monthly payment of $42.41.
  • 1APR = Annual Percentage Rate
  • 2Introductory APR for a period of six (6) billing cycles. When the discounted period expires, the APR on existing balances will increase to the new non-discounted rate on the first day of the billing cycle. After that your APR will be 9.50% to 14.75% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. Introductory rate is for purchases only. The APR for Cash Advances and Balance Transfers will be 9.50% to 14.75% based on your creditworthiness. This APR will vary with the market based on the Prime Rate. For more information refer to the Mastercard Agreement and the Burbank City MasterCard Disclosure and Solicitation Disclosure

Term New
APR as low as1
Used
APR as low as1
Alert Me
Up to 59 months 4.50% 4.50% Receive a notification when this rate changes
Up to 95 months 4.99% 4.99% Receive a notification when this rate changes
Up to 119 months 5.24% 5.24% Receive a notification when this rate changes
Up to 144 months 5.99% 5.99% Receive a notification when this rate changes
"As low as" rates listed are our best fixed rates on approved credit and include a .25% rate discount for Automatic Payment (AutoPay). Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. In some instances we may require borrowers to purchase Guaranteed Auto Protection on new and used RV loans. Rates are .25% higher without AutoPay. Financing up to 125% MSRP/NADA - For RVs. RV’s are: Motorhomes, Travel Trailer, Camper, Boat and Trailer, Watercraft and Trailer. Used RV no more than seven-model years (2011) back and not to exceed 100,000 miles.

Representative Example: A $35,000 loan at 5.99% for 84 months would result in 84 payments of $511.20. Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Burbank City Federal Credit Union policies and procedures.
  • 1APR = Annual Percentage Rate

Term APR As Low As1 Alert Me
Up to 60 months 6.99%
"As low as" rates listed are our best fixed rates on approved credit and include a .25% rate discount for Automatic Payment (AutoPay). Actual interest rate offered may be higher depending upon applicant's credit rating and other underwriting factors. Rates are .25% higher without AutoPay. A typical $2,000 loan financed at 6.99% for 24 months would result in 24 payments of $89.72. All loans are subject to credit approval and are subject to Burbank City Federal Credit Union policies and procedures.
  • 1APR = Annual Percentage Rate

Term APR1 Alert Me
Up to 60 months - due at maturity of certificate 2.00% above earned rate on certificate
Representative Example: A $1,000 loan financed at 7.20% for 12 months would result in 12 payments of $86.62.
  • 1APR = Annual Percentage Rate

Mortgage & Home Equity Rates

Loan Type APR* Rate Points Alert Me
30-Year Fixed 4.221% 4.000% 0.00%
15-Year Fixed 3.883% 3.500% 0.00%
5/5 ARM 4.345% 3.625% 1.00%
* APR = Annual Percentage Rate. Terms and interest rates subject to change without prior notice. Rate locked at time of final underwriting. Valid for thirty (30) days. Final interest rate could be higher based on market conditions. Rates quoted are best available, Yours may be different. Speak to a Loan Officer for an exact quote. Rates, points and fees based on many factors. Loan-Level Price Adjustments are Subject to FNMA Guidelines. LLPA's based on a variety of factors (FICO Scores, LTV, Property Type, Cash-out Refi, Etc.). Conforming Loan Amounts - Minimum: $25,000 / Maximum: $424,100 High Balance Loan Amounts - Minimum: $424,101 / Maximum: $636,150 (Maximum is Subject to FNMA Guidelines And Varies by County). Loans available in Arizona, California, Idaho, Nevada and Oregon only. Restrictions apply for loans outside of California, speak to a loan officer for details.

Term APR1 Alert Me
Up to 60 months 3.250%
Up to 84 months 3.750%
Up to 120 months 4.500%
121 months 4.750%
180 months 5.125%
240 months 5.625%
Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Burbank City Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Maximum rate 16.00%

70% LTV or less, for loan amounts up to $250,000

71% to 80% LTV, for loan amounts up to $150,000

Single Family Residence Only

California Only

Representative example assumes a loan amount of $150,000: A 15 Year loan at 5.00% APR will have 180 monthly payments of $1,186.51.
  • 1APR = Annual Percentage Rate

Term Loan to Value (LTV) APR1 Amount Financed Alert Me
Up to 180 months 80% or less 7.00% Up to $100,000
Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Burbank City Federal Credit Union policies and procedures. Rates are subject to change without prior notice. Maximum rate 16.00%.

Single Family Residence Only

California Only

Representative example assumes a loan amount of $100,000: A 15 Year loan at 7.00% APR will have 180 monthly payments of $899.21.
  • 1APR = Annual Percentage Rate

Loan to Value (LTV) Margin APR1 Amount Financed Alert Me
70% or less 4.250% to 10.500% 4.250% to 10.500% Up to $250,000
71% - 80% 3.750% to 6.500% 3.750% to 6.500% Up to $150,000
Index is the 26-week/6-month Treasury-Bill auction rate plus margin

Rate Caps - Floor rate of 3%, Maximum rate of 15% and no annual adjustment cap.

Payments are based on the current margin and index rate.

Payment Example: Loan for $100,000 based on a 70% Loan To Value (LTV) with a margin of 4.25% and an index of 0.08% equals an interest rate of 4.25% with a payment of $753.00 per month.

Term - All Home Equity Lines of Credit are based on a 15-year term with principal and interest payments.

Draw Period - 15 years draw period. After draw period ends, the repayment period begins (up to 15 years)

Loan Fees: No closing fees and no annual fees.

Single Family Residence Only

California Only

Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Burbank City Federal Credit Union policies and procedures. Rates are subject to change without prior notice.
  • 1APR = Annual Percentage Rate

Loan to Value (LTV) Margin APR1 Amount Financed Alert Me
70% or less 4.75% to 6.00% 4.75% to 6.00% Up to $100,000
Index is the 26-week/6-month Treasury-Bill auction rate plus margin

Rate Caps - Floor rate of 3%, Maximum rate of 15% and no annual adjustment cap.

Payments are based on the current margin and index rate.

Payment Example: Loan for $100,000 based on a 70% Loan To Value (LTV) with a margin of 4.75% and an index of 0.08% equals an interest rate of 4.75% with a payment of $779.0 per month.

Term - All Home Equity Lines of Credit are based on a 15-year term with principal and interest payments.

Draw Period – 15 years draw period. After draw period ends, the repayment period begins (up to 15 years).

Loan Fees: No closing fees and no annual fees.

Single Family Residence Only

California Only

Loan rates are based on term and applicant credit history. All loans are subject to credit approval and are subject to Burbank City Federal Credit Union policies and procedures. Rates are subject to change without prior notice.
  • 1APR = Annual Percentage Rate

Checking, Savings & Money Market Rates

Balance Amount Dividend Rate APY* Alert Me
$2,500 to $9,999.99 0.150% 0.15%
$10,000 to $49,999.99 0.200% 0.20%
$50,000 to $99,999.99 0.250% 0.25%
$100,000 + 0.300% 0.30%
A $10, $20, 0r $30 fee applies if balance falls below the stated minimum at any time during the month. No fee is charged on the $100,000+ tier. Six withdrawals allowed per month.

Minimum Opening Balance Minimum Balance to Earn Dividends Balance Dividend Rate APY1 Alert Me
$5.00 $100.00 $0 - $99 0.00% 0.00%
$100 and above 0.05% 0.05%
  • 1APY = Annual Percentage Yield

Minimum Balance Term Dividend Rate APY*1 Alert Me
$25.00 12 months 0.250% 0.25%
A penalty may be imposed for early withdrawal.
  • 1APY = Annual Percentage Yield

Minimum Opening Balance Dividend Rate APY1 Alert Me
Checking $0.00 0.00% 0.00%
Minimum Opening Balance Dividend Rate APY*1 Alert Me
eChecking2 $0.00 0.995% 1.00%
$0.00 1.982% 2.00%
Rates are subject to change without prior notice.
  • 1APY = Annual Percentage Yield
  • 2To qualify for dividends: member must pay 10 bills for 2.00% APY* or 5 bills for 1.00% APY* per month with online Bill Pay, conduct 10 signature based debit card transactions per month, have a minimum of $500 in Direct Deposit each month, receive eStatements (online banking required) and have an active email address. If you do not meet the minimum qualifications of the account, your account will not earn dividends. The maximum balance to earn dividends is $10,000.

Certificate & IRA Rates

Minimum Balance Term Dividend Rate APY1 Alert Me
$1,000 12 months 0.399% 0.40%
A penalty may be imposed for early withdrawal.
  • 1APY = Annual Percentage Yield

Minimum Balance Term Dividend Rate APY*1 Alert Me
$10,000 18 months 0.549% 0.55%
$10,000 30 months 0.648% 0.65%
Minimum Balance Term Dividend Rate APY1 Alert Me
$25,000 18 months 0.598% 0.60%
$25,000 30 months 0.797% 0.80%
Minimum Balance Term Dividend Rate APY1 Alert Me
$50,000 18 months 0.797% 0.80%
$50,000 30 months 0.995% 1.00%
A penalty may be imposed for early withdrawal.
  • 1APY = Annual Percentage Yield

Minimum Balance Term Dividend Rate APY1 Alert Me
$1,000 6 months 0.200% 0.20% Receive a notification when this rate changes
$1,000 12 months 0.300% 0.30% Receive a notification when this rate changes
$1,000 24 months 0.598% 0.60% Receive a notification when this rate changes
$1,000 36 months 0.797% 0.80% Receive a notification when this rate changes
$1,000 48 months 0.896% 0.90% Receive a notification when this rate changes
$1,000 60 months 0.995% 1.00% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$5,000 6 months 0.300% 0.30% Receive a notification when this rate changes
$5,000 12 months 0.549% 0.55% Receive a notification when this rate changes
$5,000 24 months 0.648% 0.65% Receive a notification when this rate changes
$5,000 36 months 1.193% 1.20% Receive a notification when this rate changes
$5,000 48 months 1.440% 1.45% Receive a notification when this rate changes
$5,000 60 months 1.736% 1.75% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$25,000 6 months 0.250% 0.25% Receive a notification when this rate changes
$25,000 12 months 0.549% 0.55% Receive a notification when this rate changes
$25,000 24 months 0.747% 0.75% Receive a notification when this rate changes
$25,000 36 months 1.292% 1.30% Receive a notification when this rate changes
$25,000 48 months 1.539% 1.55% Receive a notification when this rate changes
$25,000 60 months 1.834% 1.85% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$50,000 12 months 0.698% 0.70% Receive a notification when this rate changes
$50,000 24 months 0.995% 1.00% Receive a notification when this rate changes
$50,000 36 months 1.319% 1.40% Receive a notification when this rate changes
$50,000 48 months 1.638% 1.65% Receive a notification when this rate changes
$50,000 60 months 1.933% 1.95% Receive a notification when this rate changes
Minimum Balance Term Dividend Rate APY1 Alert Me
$100,000 12 months 0.797% 0.80% Receive a notification when this rate changes
$100,000 24 months 1.342% 1.35% Receive a notification when this rate changes
$100,000 36 months 1.736% 1.75% Receive a notification when this rate changes
$100,000 48 months 1.982% 2.00% Receive a notification when this rate changes
$100,000 60 months 2.227% 2.25% Receive a notification when this rate changes
A penalty may be imposed for early withdrawal.

Maintenance or activity fees could reduce the earnings on the account.
  • 1APY = Annual Percentage Yield

Minimum Opening Deposit Term Dividend Rate APY*1 Alert Me
$5,000 12 months 0.349% 0.35%
$10,000 24 months 0.549% 0.55%
Additional deposits are allowed. Additions not to exceed dollar amount of initial deposit certificate. Deposit Structure - Additional deposits must be a minimum of $500. Two withdrawals are allowed without penalty. Balance after withdrawals cannot fall below the minimum balance. Beyond two withdrawals, the penalty imposed will be loss of accrued, earned and unearned dividends with a maximum of 180 days.
  • 1APY = Annual Percentage Yield
Minimum Balance Term Dividend Rate APY1 Alert Me
$5,000 7 months 0.200% 0.20%
A penalty may be imposed for early withdrawal.
  • 1APY = Annual Percentage Yield

Balance Dividend Rate APY*1 Alert Me
$0 - $9,999 0.150% 0.15%
$10,000 - and above 0.250% 0.25%
A penalty may be imposed for early withdrawal.

Maintenance or activity fees could reduce the earnings on the account.
  • 1APY = Annual Percentage Yield