Rates are valid as of January 5th, 2023. Rates are subject to change without notice.

Model YearsRateMinimumTerm 
2022 - NEW5.24% APR$5,00060 Months
2022 - NEW5.74% APR$10,00072 Months
2022 - NEW6.24% APR$10,000 84 Months
2019 - 20216.24% APR$5,00060 Months
2019 - 20216.49% APR$10,00072 Months
2019 - 20216.74% APR$10,00084 Months
2015 - 20186.74% APR60 Months
2015 - 20187.24% APR$10,00072 Months
2011 - 20148.24% APR60 Months
2007 - 20109.24% APR48 Months
2004 - 20069.74% APR24 Months
APR = Annual Percentage Rate

Rates below apply tothe refinance of loans presently at B&IFCU or therefinance/purchase of model years 2005 or newer
7.50% Fixed60 Months
Min. $5,000
7.85% Fixed66 Months
Min. $10,000
7.95% Fixed72 Months
Min. $10,000.00
8.00% Fixed60 Months2015-2018
8.50% Fixed66 Months2015-2018
8.50% Fixed60 Months2013-2014
8.75% Fixed60 Months2011-2012
At Signature RatesOlder
Rates subject to change at any time.
APR = Annual Percentage Rate

Guaranteed Asset Protection (GAP)

Save on Gap Insurance through us! 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 likely wouldn’t cover the amount owed.  With GAP you can save on the cost!  Ask a loan specialist for more details on how you could save today!

Mechanical Repair Coverage

The possibility of an unexpected repair cost on your vehicle will always exist.  Now you have the opportunity to get the added protection you need with Mechanical Repair Coverage.  Just call or stop in and  find out more about our 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!