Bragg Mutual FCU Rates & Fee Schedule
All rates and fees are effective as of 10/2/2025.
| Account Type | Minimum Opening Balance | Minimum Balance to Earn APY | APY1 | Interest Compounds |
|---|---|---|---|---|
| Checking | $10.00 | $500.00 | 0.00% | Monthly |
| Perks Checking | $10.00 | $0.00 | 1.51%2 | Monthly |
| | | $2,500.01 | 0.05% | Monthly |
| Perks Plus Checking | $50.00 | $0.00 | 1.51%2 | Monthly |
| | | $5,000.01 | 0.05% | Monthly |
| Account Type | Minimum Opening Balance | Minimum Balance to Earn APY | APY1 | Interest Compounds |
|---|---|---|---|---|
| Savings | $5.00 | $300.00 | 0.10% | Quarterly |
| Holiday Club | $10.00 | $100.00 | 0.15% | Quarterly |
| Vacation Club | $10.00 | $100.00 | 0.15% | Quarterly |
| Traditional IRA | $10.00 | $300.00 | 0.65% | Quarterly |
| Roth IRA | $10.00 | $300.00 | 3.03% | Quarterly |
| Account Type | Minimum Opening Balance | Minimum Balance to Earn APY | APY1 | Interest Compounds |
|---|---|---|---|---|
| Money Market Account | $2,500.00 | $2,500.00 | 0.10% | Monthly |
| | | $10,000.00 | 1.01% | Monthly |
| | | $50,000.00 | 1.51% | Monthly |
| Perks Money Market Account | $50,000.00 | $50,000.00 | 2.25%3 | Monthly |
| | | $250,000.01 | 0.10% | Monthly |
| Certificate Term4 | Minimum Opening Balance | Maximum Balance to Earn5 | APY1 | Compounds |
|---|---|---|---|---|
| 6 Months | $500.00 | $250,000.00 | 3.00% | Monthly |
| 12 Months | $1,000.00 | $250,000.00 | 3.50% | Monthly |
| 18 Months | $1,000.00 | $250,000.00 | 3.75% | Monthly |
| 24 Months | $1,000.00 | $250,000.00 | 3.75% | Monthly |
| 36 Months | $1,000.00 | $250,000.00 | 3.75% | Monthly |
| 48 Months | $1,000.00 | $250,000.00 | 3.75% | Monthly |
| 60 Months | $1,000.00 | $250,000.00 | 3.75% | Monthly |
Bragg Mutual Federal Credit Union offers financing up to 100% Loan-to-Value (LTV) on New and Used Vehicle Loans.
See a loan officer for full details and terms.
New vehicles include vehicles that are current year or 1–2 prior year model vehicles with less than 30,000 miles.
| Term | APR6 |
|---|---|
| 0-36 Months | as low as 3.79% |
| 37 – 48 Months | as low as 5.25% |
| 49 – 60 Months | as low as 5.50% |
| 61 – 72 Months | as low as 5.99% |
| 73 – 84 Months | as low as 6.50% |
Used vehicles include vehicle models up to 10-years-old (unless otherwise stated), and in good working order, are eligible for financing at Bragg Mutual.
| Term | APR6 |
|---|---|
| 0-36 Months | as low as 5.75% |
| 37 – 48 Months | as low as 5.75% |
| 49 – 60 Months | as low as 6.00% |
| 61 – 72 Months | as low as 6.25% |
New motorcycles include current or one prior year model motorcycle. Used motorcycles include motorcycles up to 10 years old and in good working order.
| Term | APR6 |
|---|---|
| 0 – 24 Months | as low as 8.50% |
| 25 – 36 Months | as low as 9.00% |
| 37 – 48 Months | as low as 9.25% |
| 49 – 60 Months | as low as 9.50% |
New and Used non-camping recreational vehicles include motorized golf carts, ATVs, towable trailers, dirt bikes, personal watercraft, or other vehicles not customarily used as basic transportation.
New non-camping recreational vehicles include current year or upcoming year models with less than 10,000 miles, and only titled once. All others are considered used.
| Term | APR6 |
|---|---|
| 0 – 36 Months | as low as 6.50% |
Individual credit card rates will vary with individual creditworthiness. See a loan officer for full details and terms.
| Type | APR6 |
|---|---|
| Visa® | as low as 13.50% |
| Secured Visa® | as low as 12.50% |
| Type | Term | Loan Amount | APR6 |
|---|---|---|---|
| Unsecured Term | 0 – 36 Months 37–60 Months | Up to $5,000.00 $5,000.01–$15,000.00 | 10.50% 10.50% |
| Unsecured Line of Credit | Revolving | Up to $10,000.00 | 10.50% |
| Share Secure | 0-60 Months | Deposit Balance | Securing Account Rate + 3.00% |
For the most recent mortgage rates available to you, visit our online mortgage center.
| Product | Term | Amount in Property Value | APR6 |
|---|---|---|---|
| Home Equity Line of Credit (HELOC) | Revolving | Up to 90% | Prime Lending Rate Minus 0.25%7 |
| Home Equity Loan (HEL) | 10 Years | Up to 90% | 8.75% |
| | 15 Years | Up to 90% | 9.25%7 |
| Description | Amount |
|---|---|
| Escheatment Fee | $35.00 |
| Membership Fee | $15.00 |
| Membership Par | $5.00 |
| Non-Activity (Dormant) Fee | $5.00 |
| Description | Amount |
|---|---|
| Checking Account Reinstatement (First Occurrence) | $25.00 |
| Checking Account Reinstatement (Subsequent Occurrence) | $50.00 |
| Checks | Price Varies by Style Selected |
| Copy Charge (Printout of Cleared Check[s] or Transaction Receipt[s]) | $5.00 |
| Funds on Hold | $29.00 |
| Non-Sufficient Funds (NSF) Fee (per item and re-presented item) | $29.00 |
| Overdraft Fee (per item and re-presented item) | $29.00 |
| Starter Checks (One Page of Four Checks) | $2.00 |
| Stop Payment Fee | $29.00 |
| Description | Amount |
|---|---|
| ATM Inquiry Fee | $0.75 |
| ATM Overdraft Fee | $29.00 |
| ATM Service Charges | $1.50 |
| Instant Debit Card Fee | $15.00 |
| Lost PIN Charge | $5.00 |
| Visa® Credit Card Cash Advance Fee | $5.00 |
| Visa® Credit Card Late Payment Fee | $22.00 |
| Visa® Debit/ATM Card Reinstatement Fee | $15.00 |
| Visa® Gift Card | $3.95 |
| Description | Amount |
|---|---|
| Account Research Fee (per Hour) | $20.00 |
| Bill Pay Service (Monthly) | $5.00 |
| Bill Pay Returned Item Fee | $29.00 |
| Cashier’s Checks | $5.00 |
| Early ACH Deposit Fee | $20.00 |
| Fax (Outgoing, First Page) | $2.00 |
| Returned Item ChargeaFax (Outgoing, per Following Page) | $1.00 |
| Phone Inquiry Fee | $2.00 |
| Loan Payment Charge Fee | $5.00 |
| Paper Statement Fee (Per Month/By Request) | $2.00 |
| Monthly Mailed Paper Statement Fee | $2.00 |
| Mini-Statement Fee | $2.00 |
| Returned Item Charge | $29.00 |
| Loan Extension (Skip-a-Payment) Fee | $25.00 |
| Loan Late Payment Fee | 4% of Payment Due |
| Loan Processing Fee | $35.00 |
| Mail Locator Fee | $2.00 |
| Money Orders | $2.00 |
| Shared Branch NSF Return Fee | $10.00 |
| Stop Payment for BMFCU Cashier’s Checks, Share Withdrawal Checks, or Money Orders | $29.00 |
| Tax Levy or Garnishment | $75.00 |
| Verification of Deposit | $10.00 |
| Wire Transfer Fee (Domestic, Incoming) | No Charge |
| Wire Transfer Fee (Domestic, Outgoing) | $15.00 |
1 APY=Annual Percentage Yield. Bragg Mutual Federal Credit Union deposit accounts are federally insured for up to $250,000.00 per member by the National Credit Union Administration.
2 Must use online banking at least once per month; must be enrolled in eStatements; must maintain a valid email address on file; Perks Checking accounts must have a minimum of 12 signature-based or POS-based transactions (excluding ATM transactions) per month; Perks Plus Checking accounts must have a minimum of 24 signature-based or POS-based transactions (excluding ATM transactions) per month. If requirements are not met, dividends will be based on the current Checking Account dividend rate. Dividend Rate applies only to the first $2,500.00 in a Perks Checking account and the first $5,000.00 in a Perks Plus Checking account. All funds in excess of those limits accrue interest at the regular share savings account rate.
3 Requires active Perks or Perks Plus Checking account and at least $50,000.00 on deposit in your Perks Money Market. Only one Perks Money Market account per membership. Rates subject to change at any time. Fees, withdrawals, and other conditions may reduce earnings on account.
4 Interest rates and APYs are fixed for the term of the share certificate. Rates, minimum deposit requirements, and maturity dates for new accounts are subject to change daily at the discretion of the Board of Directors. Fees, penalties imposed for early withdrawal, or other conditions may reduce earnings on the account.
5 Balances in excess of $250,000.00 do not qualify for share certificate rates.
6 APR=Annual Percentage Rate. All loan rates are presented as low as unless otherwise stated.
7 Floor rate applies. See credit union for details.
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