Loan Products

Stop throwing away your money on loans with higher rates. Befit Financial FCU has all types of loans available to help you manage your finances. Take control of your interest rates, talk to a friendly member service representative at Befit Financial FCU. All loans are subject to credit approval.  Proof of income required for all new loans.  Apply today!

Include two most recent paystubs with loan application and
fax to (707) 557-8272 or email to loans@bffcu.org

New Auto

Befit Financial FCU has competitive New Auto rates which can mean a newer car for you.

  • Competitive rates
  • Financing available up to 125% of puchase price including tax, license, and service contracts
  • Flexible payment terms up to 84 months
  • Pre-approval available
  • New Autos - 2016 to current year

Used Auto

Befit Financial FCU has competitive Used Auto rates to fit any budget.

  • Competitive rates
  • Financing available up to 125% high Kelly Blue Book
  • Flexible payment terms up to 84 months
  • Pre-approval available
  • Used Autos - 2008 to 2015

Late Model Used Auto

Befit Financial FCU has competitive rates for Late Model Used Autos.

  • Competitive rates
  • Financing available up to 100% wholesale Kelly Blue Book
  • Flexible payment terms up to 60 months
  • Pre-approval available
  • Late Model Used Autos - 2007 and older

New and Used Recreational Vehicles

Befit Financial FCU offers New and Used Recreational Vehicles which includes motorcycles, ATV's, watercrafts, snowmobiles, motor homes, and aircrafts.

  • Competitive rates
  • Financing available up to 100% Kelly Blue Book appraised value
  • Flexible payment terms up to 180 months

Signature Loans

Befit Financial FCU offers Signature Loans that fits your needs.

  • Competitive rates
  • Loans up to $20,000
  • Flexible payment terms up to 60 months

Share Secured Loans

Befit Financial FCU offers Share Secured Loans which helps build your credit.

  • Secure a loan using your savings account with a low rate
  • Flexible payment terms up to 60 months
  • Loan amounts from $500


Short Term Loan

Need a little loan for a little while? Why go to a Pay Day Cash Advance place when you can come to us and borrow what you need? Apply for a Short Term Loan today!

  • Borrow up to a maximum of $500
  • Repay up to 3 months
  • Up to 6 loans per year
  • Low application fee
  • Proof of income required


VISA Credit Cards

Befit Financial FCU offers VISA Credit Cards that are simple and easy to use.

  • Low interest rates
  • No annual fee
  • No cash advance fee at credit union location
  • Credit lines up to $20,000
  • Share secured VISA credit cards available up to $2,500

VISA Credit Cards are secured by all other shares in any individual or joint account with the Credit Union. These other shares may be withdrawn unless in default. The Credit Union may apply balances in an individual or joint share account(s) to pay any amounts due on a VISA Credit Card if in default.


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Real Estate Loans

Befit Financial FCU offers Real Estate Loans with a variety of options to fit your needs.

First Mortgage Loans

  • Competitive fixed and variable rates available
  • Conforming loan products you can borrower up to 95% of your home appraised value on both Purchase or Rate and Term refinance transactions (in some cases members can borrower up to 97% of the home appraised value with specific underwriting guidelines met). *Call us for details
  • FHA Purchase financing up to 96.50% of your home appraised value and if approved up to 105.00% combined financing with approval from the CHADAP second mortgage lender to help with your down payment as needed.
  • FHA Rate and Term Refinance financing up to 97.75% of your home appraised value.
  • VA Financing up to 100% of your homes appraised value on purchase, rate and term and cash out refinances subject to VA underwriting guidelines and approval.
  • Loans Amounts up to $5,000,000
  • Specialty loan programs such as (ask us for details):
    • Keys on Time Guarantee
    • Dream Home Renovation Loans
    • Back in the Game (Financial Hardship, BK or Foreclosure/Short Sale)
    • STaR Loans for teachers and First Responders
  • All loan products above are subject to lender approval and are based on owner occupied properties, 1-4 unit properties, lender minimum credit scores, and meet lender underwriting guidelines.

View rates today!

Home Equity Lines of Credit

  • Competitive variable rates
  • Flexible terms
  • Up to 80% financing
  • Deductible interest for your taxes (see tax advisor for details)
  • Loans up to $100,000

For more information, please contact the Credit Union at
(707) 557-8900.

Mortgage Assistance Relief Services

To read important government information regarding steps to avoid foreclosure – call the toll free number (800) 569-4287
or go to the HUD’s website at portal.hud.gov/hudportal/HUD.


For more information call (888) 954-KEEP(5337) or visit www.keepyourhomecalifornia.org.