2317 Easton Avenue
Bethlehem, PA 18017-5099

Phone 610-691-0041
Fax 610-691-8624
E-mail service@btcu.org

Click here to return to the BTFCU Home Page.

Convenient Access:

Click here to do your BTFCU banking on the Internet. (Requires registration before using first time.)

Link to the BTFCU Electronic Bill Payment site. (Requires registration before using first time.)

The phone number for Audio Response (Bank-by-Phone) is 1-800-553-0857. Click here for audio response instructions.

Click here to do your VISA card banking on the Internet. (Requires registration before using first time.)

Click here to find ATMs that charge no fees to BTFCU members.

Click here for an online Mortgage Application.

Click here for an online Loan Application.

Click here to see BTFCU's Savings Accounts and Savings Rates. Click here to see BTFCU's Loans and Loan Rates.

Find out how to join Bethlehem Teachers FCU.

CLOSED Monday, Sept. 1st (Labor Day)

Office Hours:

Monday, Tuesday,
Wednesday, Friday:

9:00 a.m. - 5:00 p.m.
Thursday:
9:00 a.m. - 6:00 p.m.

Closing or delay due to weather? Check WFMZ:

Click here to go to Channel 69's Stormcenter Update webpage.
Click here to go to the BTFCU Facebook Page.
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Serving Members
Since 1935

Loan Rates



Click one of the following to see rates for that type of loan:
  Online Loan Application Form

PLEASE NOTE: The actual rate you pay for the life of the loan is determined by your FICO/Emperica credit score at the time of application, thus your rate may be higher. Each of the credit reporting agencies utilized by BTFCU assigns credit scores using the same formulas. Experian®, one of the credit reporting agencies we use, has information on credit scores at http://www.experian.com/credit-education/credit-information.html. You can also call the Credit Union for more information. (Rates subject to change at the board's discretion without notification.)

HOME EQUITY LINE OF CREDIT
Loan Term APR as low as* Notes
HOME EQUITY LINE OF CREDIT REVOLVING

Adjusted quarterly based on Prime Rate plus a "margin". That margin may be as low as 1%, but your margin may vary based on your credit score at time of application. There is a $150 appraisal fee. Maximum amount: 80% of appraised value.

*APR=Annual Percentage Rate.
Your actual rate is based on your
FICO/Emperica credit risk score.
[More on HOME EQUITY LINE OF CREDIT] | [Return to top of page].

 
HOME EQUITY LOAN (FIXED RATE)
Loan Term APR as low as* Notes
HOME EQUITY 01-05 YR

3.24%

Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 appraisal fee.

HOME EQUITY 06-10 YR

3.99%

Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 appraisal fee.

HOME EQUITY 11-15 YR

4.99%

Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 appraisal fee.

HOME EQUITY 16-20 YR

5.24%

Based upon appraisal by a Pa. State Certified Appraiser, maximum amount up to 80% of the appraised value. There is a $150 appraisal fee.

*APR=Annual Percentage Rate.
Your actual rate is based on your
FICO/Emperica credit risk score.
[More on HOME EQUITY LOAN (FIXED RATE)] | [Return to top of page].

 
FIRST MORTGAGE LOANS
Loan Term APR as low as* Notes
5-Year Fixed Rate Balloon - 1 point Up to 30 YR

3.15%

Actual rate may be higher, depending on your Credit Score. Maximum loan amount: 80% of Appraised Value. $350 application fee.

5-Year Fixed Rate Balloon - NO points Up to 30 YR

3.40%

Actual rate may be higher, depending on your Credit Score. Maximum loan amount: 80% of Appraised Value. $350 application fee.

FIXED AND ADJUSTABLE Up to 30 YR

For information on the many products available to you in our Mortgage Program, call us at 610-691-0041. You may also apply on line, go to: btfcu.mortgagewebcenter.com

*APR=Annual Percentage Rate.
Your actual rate is based on your
FICO/Emperica credit risk score.
[More on FIRST MORTGAGE LOANS] | [Return to top of page].

 
VEHICLE LOANS
Loan Term APR as low as* Notes
NEW Vehicles 1-3 YR

1.23%

Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.) **1.23% available during the 1,2,3 promotion (April 1st-Mary 31st, 2014).

NEW Vehicles 4 YR

2.49%

Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)

NEW Vehicles 5 YR

2.49%

Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)

NEW Vehicles 6 YR

2.99%

Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)

NEW Vehicles 7 YR

3.49%

Up to 100% (for those who qualify) of the sales price (INCLUDING tax, tags, etc.)

USED Vehicles (2007-2013 Models) 1-4 YR

2.49%

For up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.). Model years 2007 & 2008, maximum term of 4 years.

USED Vehicles (2007-2013 Models) 5 YR

2.74%

For up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.)

USED Vehicles (2007-2013 Models) 6 YR

3.74%

For up to 100% (for those who qualify) of NADA retail vehicle value (INCLUDING tax, tags, etc.)

*APR=Annual Percentage Rate.
Your actual rate is based on your
FICO/Emperica credit risk score.
[More on VEHICLE LOANS] | [Return to top of page].

 
TECHNOLOGY LOANS
Loan Term APR as low as* Notes
Loans for Computers, Smart Phones Up to 2 Years

4.00%

Maximum loan: $2,000.00 Proof of purchase of computer, iPhone, software, etc., is required.

*APR=Annual Percentage Rate.
Your actual rate is based on your
FICO/Emperica credit risk score.
[More on TECHNOLOGY LOANS] | [Return to top of page].

 
PERSONAL LOANS
Loan Term APR as low as* Notes
UNSECURED 1-3 YR

8.99%

Minimum loan amount of $500 per individual.
Maximum amount of $5,000 per individual, $10,000 with two signatures.

UNSECURED 4-5 YR

9.99%

Minimum loan amount of $500 per individual.
Maximum amount of $5,000 per individual, $10,000 with two signatures.

*APR=Annual Percentage Rate.
Your actual rate is based on your
FICO/Emperica credit risk score.
[More on PERSONAL LOANS] | [Return to top of page].

 
PLEDGED SHARE LOANS
Loan Term Notes
PLEDGED 1-5 YR

APR* as low as 4% above collateral rate (the interest rate you are earning on the account or certificate you are pledging as collateral for the loan).

*APR=Annual Percentage Rate.
Your actual rate is based on your
FICO/Emperica credit risk score.
[More on PLEDGED SHARE LOANS] | [Return to top of page].

 
     

Copyright © 1999-2014 Bethlehem Teachers Federal Credit Union.
Last Updated: 8/21/2014 1:16:17 PM Eastern Time