Rates

Product Information – Effective November 2018

We are committed to our members to offer the best possible rates and terms. We continually monitor our rates and change them monthly, or as appropriate.

TypeTerm & Amount DetailConnectMORE APY*Everyday APY*
Shares$50 - $9,9990.20%0.10%
$10,000 - $19,9990.20%0.10%
$20,000 and Over0.25%0.15%
Money Market$1,000 - $9,9990.55%0.45%
$10,000 - $19,9990.65%0.55%
$20,000 and Over0.75%0.65%
HSA (Health Savings Accounts)Up to 1st $500 - 5.00%
Remaining Balance - 0.80%
Diamond Dividend Checking**Up to 1st $1,500 - 10.00%
Remaining Balance0.10%0.10%
Christmas Club****100.20%0.10%

*APY: annual percentage yield. **Qualified rate. For eligible Diamond Dividend Checking members, a Diamond Dividend Checking account will earn 10.00% APY on the first $1,500. After that, balances over $1,500 will earn 0.10% APY. For example: on a $2,000 deposit the blended APY would be 7.47%. Rates are variable and subject to change. Advertised rate and APY are offered at the credit union’s discretion and may change daily. ***Penalty for early withdrawal. To receive the additional 0.10% APY member must be in the ConnectMORE Royal Rewards program. Fees may reduce earnings. This credit union is federally insured by the National Credit Union Administration. Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company.

TypeTerm & Amount DetailConnectMORE APY*Everyday APY*
Coverdell Education Certificate$250 Minimum1.45%1.35%
Certificates$100,000 minimum / 6 Months1.40%1.30%
$100,000 minimum / 12 Months1.85%1.75%
$1,000 minimum / 6 Months1.35%1.25%
$1,000 minimum / 12 Months1.60%1.50%
$1,000 minimum / 18 Months1.85%1.75%
$1,000 minimum /24 Months2.10%2.00%
LIMITED TIME SPECIAL$1,000 minimum /33 Months3.40%3.30%
$1,000 minimum / 36 Months2.35%2.25%
$1,000 minimum / 48 Months2.55%2.45%
$1,000 minimum / 60 Months2.75%2.65%
Second Chance Certificate**$1,000 minimum / 12 Months1.50%1.40%
$1,000 minimum / 24 Months2.00%1.90%
$1,000 minimum / 36 Months2.25%2.15%
$1,000 minimum / 48 Months2.45%2.35%
$1,000 minimum / 60 Months2.65%2.55%
IRANo Minimum0.650.55
IRA Certificate$5,000 Minimum/12 Months1.50%1.40%

*APY: annual percentage yield. **Second Chance Certificate: option to bump up rate (one time for certificates under 24 months and twice for certificate over 24 months) requires you to contact Bridge before the original certificate maturity date. When bumping a rate on a Second Chance Certificate the bump rate must be of the equal term of the original certificate. For example: if you are bumping a 12 month certificate the matching rate must be on a 12 month certificate. Rates are variable and subject to change. Advertised rate and APY are offered at the credit union’s discretion and may change daily. To receive the ConnectMORE APY the member must be in the ConnectMORE Royal Rewards program. For ConnectMORE eligibility visit www.bridgecu.org/connectmore or call a representative at 800.434.7300. Fees may reduce earnings. This credit union is federally insured by the National Credit Union Administration. Additional coverage up to $250,000 provided by Excess Share Insurance Corporation, a licensed insurance company

      
TypeConnectMORE** Rates as Low asEveryday Rates as Low asMaximum Term
RateAPRRateAPR
2018 - 2019 Auto & Truck Models2.99%3.30%3.24%3.55%Up to 36 Months
2.99%3.23%3.24%3.48%Up to 48 Months
2.99%3.18%3.24%3.43%Up to 60 Months
4.49%4.65%4.74%4.90%Up to 72 Months
5.49%5.63%5.74%5.88%Up to 84 Months
2011 - 2017 Auto & Truck Models3.74%3.93%3.99%4.18%Up to 60 Months
4.74%4.90%4.99%5.16%Up to 72 Months
2007 - 2010 Auto & Truck Models5.24%5.46%5.49%5.71%Up to 54 Months
2006 & Earlier Auto & Truck Models7.49%7.74%7.74%7.99%Up to 48 Months
Motorcycles & Watercraft4.99%5.19%5.24%5.44%48 - 84 Months
Recreational Vehicles4.99%5.19%5.24%5.44%48 - 120 Months
Personal Loan11.15%11.48%11.40%11.73%Up to 36 Months
13.15%13.36%13.40%13.61%Up to 60 Months

*APR=Annual Percentage Rate. Rates subject to change without notice. Loan rates include a rate discount for automatic ACH payment withdrawal. Actual rates may vary based on one or more of the following: credit rating, age and/or value of collateral (if any), term of loan, and method of payment. Finance charges are calculated using the daily balance method. **ConnectMore Special Rate Discount. Click here for more details. APRs shown are based on a $20,000 loan with a $95 doc prep fee. Loans are amortized to their maximum term. Motorcycles, Watercrafts, and Recreational Vehicles are amortized at 60 months.

TypeAPR* As Low As
Visa® Platinum Rewards Credit Card12.40%
Visa® Platinum Cashback Credit Card9.99%**

*APR=Annual Percentage Rate. **Rates subject to change without notice. Rates based on the Prime Rate as reported in the Wall Street Journal on the 20th day of the previous month. To view a copy of Bridge’s Platinum Rewards Credit Card Agreement click here.

TypeRates as Low asMaximum Term
Home Equity Line of Credit**Check RatesUp to 15 Years
Home Equity Fixed Rate5.50%Up to 15 Years
First MortgageCheck RatesVariety of Mortgage Offerings

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Rates subject to change without notice. Actual rates may vary based on one or more of the following: credit rating, age and/or value of collateral (if any), term of loan, and method of payment. Finance charges are calculated using the daily balance method. Home equities and mortgage loans may be subject to additional fees for loans with credit scores less than 675, terms greater than 10 years, LTV’s greater than 80%, and loan amounts greater than $200,000. Rates based on the Prime Rate as reported in the Wall Street Journal on the 20th day of the month preceding the date of any annual rate adjustment. Bridge Credit Union NMLS# 402575. Federally insured by NCUA.