Model YearAPRTerm
(Less Than 10,000 Miles)
3.49% Min. $5,00048 Months
(Less Than 10,000 Miles)
3.49% Min. $5,00060 Months
(10,000 or More Miles)
3.99% Min. $5,00060 Months
2016-20194.49% Min. $10,00072 Months
2016-20195.49% Min. $15,00084 Months
2013-20153.99% Min. $7,50060 Months
2013-20154.99% Min. $10,00072 Months
2010-20124.99% 60 Months
2006-20095.99%48 Months
2003-20056.99%24 Months
2002 & Older9.49%18 Months
APR = Annual Percentage Rate

Rates below apply tothe refinance of loans presently at B&IFCU or therefinance/purchase of model years 2000 or older
5.00% FixedSPECIAL
72 Months
Min. $15,000
5.00% FixedSPECIAL
66 Months
Min. $15,000
5.00% Fixed60 Months2015-2018
5.50% Fixed66 Months2014-2015
5.00% Fixed60 Months2014-2015
5.75% Fixed60 Months2012-2013
6.00% Fixed60 Months2011
6.00% Fixed60 Months2010
7.00% Fixed48 Months2009
8.00% Fixed48 Months2008
8.25 % Fixed36 Months2004-2007
12.00% Fixed24 Months1999-2002
At Signature RatesOlder
Rates subject to change at any time.
APR = Annual Percentage Rate

Guaranteed Asset Protection (GAP)

Save on Gap Insurance – many people owe more on their car than it’s currently worth.  In the event of an accident that totals the car, the insurance settlement wouldn’t even cover the amount owed.  That’s why you need GAP.  Ask a loan specialist for more details.

Mechanical Repair Coverage

The possibility of unexpected repair costs on your vehicle always exist.  Now you have the opportunity to get the added protection you need with Mechanical Repair Coverage.  Just call or stop in to find out about the low-cost options that are available.

Are you Shopping for a Pre-Owned Auto?

Get a FREE CarFax Record Check, Lemon Check, Recall Check, and/or Problem Car Check, BEFORE you buy your next Pre-Owned Car! It’s Fast, Easy, and FREE. If a Record Check shows any “hits” you can purchase a full CarFax report for as little as $24.99 for 1 report or $29.99 for up to 10 CarFax Reports during the next 30 days. This averages out to as little as $2.99 per report. While you’re out looking for your next pre-owned auto, write down the VINs, come here and run a FREE CarFax Record Check!


The CARFAX database is the most comprehensive vehicle history database in North America, containing over 5 billion records. A record is an event (in the vehicle’s past) reported to CARFAX by one of our thousands of sources. CARFAX Reports contain a collection of records that may answer crucial questions about the history of the used car you plan to buy, such as: Was the car in a reported accident? Has the mileage been tampered with? How many owners drove this car? Has this car been inspected recently? Was this car labeled a lemon? and more… A CARFAX Report may not include every event in a vehicle’s history, but will include the data that is reported to CARFAX for a specific vehicle identification number (VIN).

Never Buy another Used car without one.