Turn the key to mortgage rates that you can live with
Secure a solid foundation in West Michigan with the local financing rates that moves you into your dream home.
Benefits You’ll Love
- Pre-approval available
- Local decision-making and processing
- Competitive rates for home purchase or refinancing
- Enjoy friendly, attentive service from start to finish
- Competitively low rates for home purchase or refinance
- Available for primary residence, second homes, vacation homes, or investment properties
- Accommodating, budget-friendly repayment terms
- A wide range of financing options available
- Helpful loan advisors with working knowledge of the local real estate market
- Free pre-approval for extra confidence when it comes to securing financing
- Low closing costs
- Refinance your current home to potentially lower your rate
- Get affordable home insurance through Best Financial Insurance Agency
- Easily set up direct deposit or automatic payment from a Best Financial Credit Union account
- Local West Michigan decision-making and processing
- Friendly, customized service from start to finish
Interested in 1 on 1 home buying counseling?
Please contact our mortgage loan officer, Mary, at extension 122.
Save More with One Form
Saving our members money is what we do. See for yourself! Just fill out the form below to get started. We’ll check out your credit report and see if we can save you cash by bringing over any of your loans to BFCU for consolidation.
NMLS# – 799647
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividends earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividends earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Certificates of Deposit (CDs)
| Term | Minimum Opening Deposit | Rate | APY | Early Withdrawal Penalty |
|---|---|---|---|---|
| 6 Month | $500 | 3.21% | 3.25% | 90 days interest |
| 12 Month | $500 | 3.94% | 4.00% | 90 days interest |
| 12 Month Super Kids | $100 min $2,500 max | 4.91% | 5.00% | 90 days interest |
| 24 Month | $500 | 2.72% | 2.75% | 180 days interest |
| 36 Month | $500 | 2.82% | 2.85% | 180 days interest |
| 48 Month | $500 | 3.02% | 3.05% | 180 days interest |
| 60 Months | $500 | 3.21% | 3.25% | 180 days interest |
Penalty for early withdrawal.
Easy Access Money Market
| Balance | Minimum Opening Deposit | Rate | APY |
|---|---|---|---|
| $1,150 - $2,499 | $2,500 | 0.15% | 0.15% |
| $2,500 - $7,499.99 | $2,500 | 0.50% | 0.50% |
| $7,500.00 - $24,999.99 | $2,500 | 0.70% | 0.70% |
| $25,000.00 - $49,999.99 | $2,500 | 0.90% | 0.90% |
| $50,000.00 - $249,999.99 | $2,500 | 1.49% | 1.50% |
| $250,000 or more | $2,500 | 1.24% | 1.25% |
IRA Certificates
| Term | Minimum Opening Deposit | Rate | APY | Early Withdrawal Penalty |
|---|---|---|---|---|
| 6 Month | $500 | 3.21% | 3.25% | 90 days interest |
| 12 Month | $500 | 3.94% | 4.00% | 90 days interest |
| 24 Month | $500 | 2.72% | 2.75% | 180 days interest |
| 36 Month | $500 | 2.82% | 2.85% | 180 days interest |
| 48 Month | $500 | 3.02% | 3.05% | 180 days interest |
| 60 Month | $500 | 3.21% | 3.25% | 180 days interest |
Penalty for early withdrawal.
Kasasa Cash*
| Balance | Minimum to Open | Rate | APY |
|---|---|---|---|
| 0 to $10,000 | $50 | 4.89% | 5.00% |
| $10,000+ | $50 | 0.25% | 5.00% to 0.68% |
| All balances if qualifications not met | $50 | 0.05% | 0.05% |
Qualifications to Earn Rewards
Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash® account during each Monthly Qualification Cycle:
- At least 1 Direct Deposit or ACH credit
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
That's all there is to it. Even if you don't meet your qualifications during the cycle, your Kasasa Cash account is still free, and you'll still earn our base rate. Plus, you can get right back to earning your full rewards the very next cycle that you qualify.
Kasasa Saver*
| Balance | Minimum to Open | Rate | APY |
|---|---|---|---|
| 0 to $50,000 | $5 | 1.74% | 1.75% |
| $50,000+ | $5 | 0.25% | 1.75% to 0.75% |
| All balances if qualifications not met | $5 | 0.05% | 0.05% |
Qualifications to Earn Rewards
Qualifying for your Kasasa Cash or Kasasa Cash Back® rewards automatically qualifies you for the highest Kasasa Saver® rate, too. Enrollments must be in place and all of the following transactions and activities must post and settle to your Kasasa Cash or Kasasa Cash Back account during each Monthly Qualification Cycle:
- At least 1 Direct Deposit or ACH credit
- At least 15 debit card purchases
- Be enrolled in and agree to receive eStatements
That's really it. But if you don't meet your qualifications one cycle, your account is still free — and you’ll still earn our base dividend rate on your Kasasa Saver balance. Then you can get back to earning your full rewards the very next month.
Loans
| Loan Type | APR Starting At |
|---|---|
| Home Equity Line of Credit (Variable) | Call for Current Rates |
| Home Equity Loan (Fixed) | Call for Current Rates |
| Auto Loan (New & Used) | 4.99% |
| Motorcycle | 4.99% |
| Boats/RVs | 5.74% |
| Credit Card | 9.99% |
| Home Mortgage | Call for Current Rates |
| Personal Loan | 7.99% |
Savings Accounts
| Account Type | Minimum Balance to Earn Interest | Rate | APY |
|---|---|---|---|
| Regular Savings | $100 | 0.15% | 0.15% |
| Associations | $100 | 0.15% | 0.15% |
| Member Choice | $100 | 0.15% | 0.15% |
| Youth Accounts | $100 | 0.15% | 0.15% |
| IRA Savings | $100 | 0.60% | 0.60% |
| Christmas Club | $100 | 0.25% | 0.25% |
| Any Reason for All Seasons | $100 | 0.25% | 0.25% |