Loan Rates

Click one of the following to see rates for that type of loan:

Click here to apply online.
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 Bethlehem 1st FCU assigns credit scores using the same formulas. TransUnion®, our primary credit reporting agency, has information on credit scores at https://www.transunion.com. 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

2.99%

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 06-10 YR

3.74%

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: https://beth1stx.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

1.49%

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

NEW Vehicles 4 YR

1.99%

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

NEW Vehicles 5 YR

2.24%

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 (2010-2017 Models) 1-4 YR

1.99%

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

USED Vehicles (2010-2017 Models) 5 YR

2.49%

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

USED Vehicles (2010-2017 Models) 6 YR

3.49%

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

7.99%

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].