Consumer Loans

Come home to BCSB for your next new or used car, boat, motorcycle or RV loan or to make those home improvements you’ve always dreamed about!

Receive a .25% discount with “auto-pay” by choosing to have your payment automatically deducted from a BCSB checking or statement savings account.

Compare rates and determine what you can afford with our handy Calculators.

Call 410.256.5000 or click here to have a loan counselor contact you.

Rates Effective as of September 4, 2008

Rates and terms are subject to change without notice and are valid for Maryland residents only.
Additional terms available for qualified buyers.

Car Loan Rates
Model Year2	APR with Auto-Pay1	APR w/o Auto-Pay1	Max. Term	% Down	Monthly Payment per $1,000 Borrowed3
					With Auto-pay	Without Auto-pay
2007/08	5.74%	5.99%	60 months	0%	$19.21	$19.32
2007/08	6.24%	6.49%	72 months	0%	$16.68	$16.80
2001-2006	6.74%	6.99%	60 months	0%	$19.67	$19.79
2001-2006	7.74%	7.99%	72 months	0%	$17.40	$17.52

¹APR=Annual Percentage Rate.
²Model Mileage not to exceed 100,000 miles.
³Cost per $1,000 is based on maximum term.

Boat, R/V, and Motorcycle Loan Rates (New and Used)2
APR with Auto-Pay1	APR w/o Auto-Pay1	Max. Term	Down Payment	Monthly Payment per $1,000 Borrowed3
				With Auto-pay	Without Auto-pay
7.25%	7.50%	10 Years	10.00%	$11.74	$11.87

¹APR=Annual Percentage Rate.
²Wooden boats not eligible for financing
³Cost per $1,000 is based on maximum term.

Home Improvement Loan Rates
APR with Auto-Pay1	APR w/o Auto-Pay1	Max. Term	Max. Loan Amount	Monthly Payment per $1,000 Borrowed3
				With Auto-pay	Without Auto-pay
8.75%	9.00%	5 Years	$10,000	$20.63	$20.75

¹APR=Annual Percentage Rate.
³Cost per $1,000 is based on maximum term.

Click here for important consumer loan information.