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Bucks First Federal Credit Union is Bucks County’s leader in auto loan financing! Your one-stop shop for vehicle loans, auto-buying research, GAP insurance, Life & Disability insurance, and more. We are here to help make finding the right auto loan a seamless process by providing helpful information, car payment calculators, automotive research tools and friendly, knowledgeable staff along the way.
We have the best options when it comes to any kind of home loan for our members. Take advantage of our mortgage calculators, flexible term home equity loans, low loan rates & down payments, and wide array of home loan products to fit your needs. We offer everything from construction loans to reverse mortgages, adjustable rate mortgages, and piggy back mortgages. Just ask!
Federal student loans not enough to cover the cost of your college education?
A private student loan available through Bucks First can be the answer to your funding needs. No more worries, you can even consolidate your current student loans into one low college loan payment.
Enjoy low fixed rates, no annual fees and credit limits up to $20,000 with our Classic, Platinum or Platinum Preferred Visa Credit Cards. Get pre-qualified today!
Bucks First FCU is pleased to introduce three (3) new additions to our already superior credit card portfolio. Enjoy the power, flexibility, prestige and convenience of a Bucks First FCU Student, Classic, Platinum or Platinum Preferred Visa card.
All New Cards Offer:
 Fixed Rates - No surprise rate increases! - No Annual Fees • No Cash Advance Fees
- Low Annual Percentage Rates
- Low minimum monthly payments
- 24/7 Online Account Access via www.ezcardinfo.com
- 24/7 Telephone Account Access via 800-433-0505
- Score Card Point Rewards - Start Now
- Combine points between your BFFCU Visa Credit Card and Visa Check Cards.
- $1 in purchases is equal to 1 point.
- Use your VISA Card to make all of your purchases and watch your points add up.
- Redeem points for merchandise and travel rewards.
- Redeem 5,000 points for .5% APR discount on max.$10,000 loan for max. 60 months
- Redeem 15,000 points for .5% APR discount on max.$25,000 loan for max. 60 months
- Redeem 25,000 points for .5% APR discount on max.$40,000 loan for max. 60 months
Just complete the Online Application. It takes only a few minutes to apply for the credit card you can afford to use.
VISA Classic Agreement
VISA Platinum Agreement
VISA Platinum Preferred Agreement
| To Report a Lost or Stolen VISA Card |
Visa Credit Card
Dial 1-800-433-0505
After Hours
Dial 1-800-991-4961 |
Visa Check Card
Dial 1-800-433-0505
After Hours
Dial 1-800-991-4965 |
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Bucks First Federal Credit Union uses VISA Fraud Alert Management to better protect our members. With the Fraud Alert Management detection system you receive continual monitoring of your card activity to help identify and prevent fraudulent transactions on your account.
If you receive a message from Fraud Alert Management regarding your Visa Credit Card, it is in your best interest to return the call at 800-890-5097. |
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Federal loans not enough to cover the cost of your college education?
A private student loan available through Bucks First Federal Credit Union can be the answer to your funding needs.
- Borrow as little as $2,000 or as much as $30,000 per year. $120,000 lifetime maximum
- Choose between making interest payments or a nominal $25 "Good Faith" payment towards the loan while in school
- Use the funds for any qualified educational expense, including past due tuition bills
- Quick approval once we receive your completed application
- Co-Signer release after just 24 consecutive on-time payments
- Competitive Interest Rates and with good grades, get even lower rates
- 1% Interest Rate Reduction once you repay 10% of the loan
- 30 Day No-Fee Return Policy allows you to cancel the loan if you find a better option
- No Cosigner Required for creditworthy Juniors, Seniors and Graduate Students
- Borrower must be enrolled in an eligible school and pursuing a degree program
- Borrower must be a member or join Bucks First Federal Credit Union during the online application process
- Borrower or cosigner must be a U.S. Citizen. Foreign students can apply with a U.S. Citizen as cosigner.
- Freshmen and sophomores must apply with a creditworthy cosigner who has at least 21 months of credit history
Applying with a cosigner is highly recommended to qualify for lower rates!
Consolidating your student loan debt can lower your monthly payments, reduce your interest rate, and extend the payment period on your loans.
- Simplify your finances with one easy monthly payment
- Lower payment and competitive rates with a 15 year repayment option
- Interest-Only repayment option up to 4 years for eligible borrowers
- Cosigner release available after 12 consecutive on-time principal and interest payments
Enjoy competitive low rates and up to 100% financing (excluding taxes, tags and extended warranties). Have your NEW or USED car loan pre-approved for that cash-in-hand negotiating advantage! Your credit union offers you the best and easiest way to finance your car, van or light truck.
+ Take the dealer rebate and finance with Bucks First FCU
Choose the dealer rebate plan. Forego the low interest rate loan and get a cash rebate from the dealer for as much as $3000. Add a rebate to your down payment. This makes financing more appealing because a larger down payment reduces the amount you need to finance with the credit union. So which alternative is best? Should you take the dealer's low rate loan or the credit union's loan with the dealer rebate? Check out this example.
A low rate loan taken through the dealer for $20,000 at 1.9% APR requires a monthly payment of $349.97 to pay off in 60 months.
A low rate loan taken through the credit union for $17,000 at a rate as low as 3.99% APR requires a monthly payment of as low as $313.54 to payoff in 60 months.*
Take the rebate offered by the dealer and finance with us. You'd save over $2000.00!
*These rates are strictly examples and do not reflect the loan rates of Bucks First Federal Credit Union in any way. For more information on Bucks First FCU's current auto loan rates, CLICK HERE. + Beware of dealer low rate or 0% APR offers and the fine print that goes with it!
Whether you are deciding to take a rebate versus a low rate auto loan, know the hidden costs in dealer financing, especially 0% APR financing. Typically, the special deals offered by automobile dealers are available only on slower selling model vehicles. These cars may have a lower resale value down the road. Dealer's financing can have prepayment penalties and require big down payments. Know that the low rates most dealers advertise are for short-term loans. Most people may not be able to afford the monthly payment. + Refinance your auto loan with Bucks First FCU
Is your auto loan payment too high since you took dealer financing? Has your financial situation changed since you bought your automobile? Or did you take the loan with another financial institution when rates were higher? A great solution to these questions may be to refinance your auto loan today. No matter what your situation is talk to a loan representative today. We can help!
For most credit union members, buying a car is serious business! It's a big decision that you'll live with for years to come. At Bucks First FCU, we take car buying serious too. We believe that the best car buyer is an educated car buyer. Buyers who know what they want, how much to pay, and how to finance it, always seem to get a better deal than impulse buyers. + Guaranteed Asset Protection (GAP)
If your car is totaled or stolen, your auto insurance may not provide enough to pay off the value of your auto loan. Insurance policies reimburse holders for the value of the car. But, you're probably not paying off your loan at the rate of depreciation. Just think, a new car depreciates 10-15% the second you drive it off the dealership lot.
Guaranteed Asset Protection (GAP) covers the difference between the Actual Cash Value and the balance of your loan. Contact a branch representative to add GAP protection to your auto loan.
Why do you need Gap Coverage?
- Protects your credit rating
- Covers losses that your primary insurance may not
- When you drive your new car off the dealer's lot, it depreciates 10-15% of its value
- One vehicle is stolen in the U.S. every 27 seconds
- Every year a half million vehicles are totaled to accident, fire, and theft
+ Loan Life & Disability Insurance
When life takes an unexpected turn, you don't have to be burdened by loans. Our debt protection ensures that your consumer loan payment(s) are cancelled or suspended without penalty, added interest, or being reported as delinquent when a qualifying event occurs.
For complete details about this financial security, visit any of our branches or contact Member Service at 215.788.5270. We can provide you with complete details and answers to frequently asked questions.
When the open road calls, answer it in style.
There are lots of styles of motorcycles that can help you become a road warrior, a custom enthusiast, or a die-hard classics rider. If you’ve got a motorcycle in mind, we’ve got the financing. Looks aren’t everything, though, and there’s also an economical side to consider. Driving a motorcycle can save you money in gas, which, is a real plus in today’s economy.
Already have a motorcycle loan? Refinancing a motorcycle loan from another lender may save you hundreds of dollars in interest and lower your monthly payments. Talk to us to compare financing.
Do you have equity in your home?
Only have a few years left on your first mortgage?
A Home Loan from Bucks First FCU allows you to access the available equity
in your home without the closing costs associated with refinancing
your first mortgage.
With a Home Loan from Bucks First you can:
• Apply online
• Receive your funds in a lump sum
• Enjoy a fixed interest rate for the life of the loan
• Consolidate debt or pay for major expenses
• Refinance your first mortgage and pay off your loan sooner
*APR= Annual Percentage Rate. Rate & terms based on applicant’s credit worthiness. Loan may not exceed 60% loan to value ratio based on appraised value of residence, and Bucks First FCU must be in 1st lien holder position. Payment of per $1,000 borrowed at 2.25% APR for 5 years is $17.66. Payment per $1,000 borrowed at 3.24% APR for 10 years is $9.79. Payments do not include amounts for taxes and insurance premiums.
Bucks First Federal Credit Union offers Home Equity Loans for all of your needs. Whether you are interested in lowering your monthly bills by consolidating, paying off your first mortgage, making home improvements, financing a vacation or paying for college, Bucks First FCU can help you achieve your financial goals. You will receive all monies borrowed three days after you sign for the loan.
If you would like the stability of a fixed interest rate, this loan is for you.
- Low fixed rates on Home Equity loans
- Borrow up to 80% LTV (loan to value) of your home
- Borrow from $5,000 up to $200,000
- Terms ranging from 5 years to 20 years*
Tax deductibility saves you money
Home equity loans are such a great value because,in many cases, the interest is tax deductible. Consult your tax advisor for details.
Click here to see rates for this product.
This convenient variable rate line of credit home equity loan makes the money you've put into your house yours to use over and over again. Establish a credit limit and only borrow from this line of credit as needed. You are under no obligation to borrow. However, the funds are there in the event of need or an emergency. You will receive all monies borrowed three days after you sign for the loan.
- Borrow up to 80% LTV (loan to value) of your home
- Borrow from $5,000 up to $150,000
- Rates as low as PRIME + 1%
- Minimum draw amount is $500
- Convenience checks available
Click here to see rates for this product.
Whether you are a first time buyer, a seasoned home purchaser or are looking to refinance an existing property, Bucks First FCU is ready to serve you. We have partnered with First Heritage Financial to offer you the best in mortgage financing. There has never been a better time to buy your home.
- Conventional Mortgage Loans For:
Primary residence, second or vacation homes and investment properties from 1 to 4 units.
- Terms from:
10 to 40 year for mortgages from $30,000 to over $1,000,000
- FHA/VA and PHFA loans
- Construction Mortgages
- Land acquisition and building packages
- Modular homes
With mortgage interest rates at record lows, now is the time to buy or refinance a home. Buying or refinancing now could save you thousands of dollars over the life of your loan.
The wide variety of mortgages we offer is just the beginning. In addition to great rates, we offer an Online First Mortgage application that is quick and easy (10 to 15 minutes), so you can pre-qualify for a loan to purchase a new home or refinance your existing home.
For more information on mortgage programs and current rates, call 215-788-5270 and speak with one of our Member Service Coordinators.
+ Top Tips for the First-Time Home Buyer:
Examine your finances: The first step toward buying a home is understanding your financial picture. Figure out your monthly income and budget. If you expect any changes that will affect your income over the next year, such as a raise or a new car, make a note of that as well. This will give you an accurate picture of your finances to help determine how fast you can save for a down payment.
Start a savings plan: Once you have a budget, try to give yourself a timeline, such as a year, and a target amount to save. Try to trim your spending and increase your savings. You may even want to get a separate account to avoid the temptation to spend it.
Consider the up-front costs: The up-front costs associated with buying a home can add up. Most lenders require a minimum of 5% to 20% of the home’s purchase price as a down payment. On top of that, you will have closing costs to consider (2%-6%), as well as the cost of a home inspection ($300-$1000).
Check out down-payment assistance: If 20% for a down payment sounds like a lot, there are ways to buy a house with a smaller down payment. Look for lenders that offer low-down-payment products. Another option is to get help from nonprofit-supported down-payment assistance programs.
Calculate how much you can afford: Before you begin looking at houses, you will need to know your price range. Keep in mind, along with a monthly mortgage payment you will have to pay for utilities, property taxes and homeowner’s insurance. By calculating how much house you can afford, you will have a better idea of where to begin and be realistic when looking.
Consider a Real Estate Agent: An agent will be able to provide you with listings of available homes in the neighborhood you are interested in, along with information on the recent selling price of comparable homes.
Get pre-approved for a mortgage: By getting pre-approved, you will know in advance how much you will be able to borrow, what your rate will be and even have an idea of what your payments will be. A lender will pre-approve you based on your income, debts and credit. + Common mistakes made by first time home buyers:
Running before walking. Once you’ve made the decision to buy a home it is easy to get excited. You can rush off to look at homes, surf the web or call advertisements with out being properly prepared. If you fail to prepare yourself properly, you could find yourself in a contract to buy and your purchase can end up in a disaster.
Over-buying the first time. Know your limits; you do not want to push yourself right up to, or possibly beyond, your financial limits. Your house may be large and beautiful but having every penny you earn going to the support of your house can be very stressful. It is important that you leave yourself some room to breathe.
Bucks First Federal Credit Union is offering a loan for teachers specifically designed to help them pay for out-of-pocket classroom expenses.
Bucks First Federal Credit Union realizes that many teachers purchase classroom supplies with their own money; therefore, a unique loan was designed to help subsidize these expenses. Available to teachers once per ten (10) month term, Classroom Cash is an immediate fix that will help educators with the needs for their classroom (i.e. books, decorations, supplies, etc.). Currently employed teachers may be eligible for a personal loan of up to $500 at 0% APR* financing.
*APR = Annual Percentage Rate. $500 maximum loan amount. 10 month maximum loan term. Payment per $100 is $10.00. Loan must be repaid by automatic payment method. Direct deposit and/or payroll deduction required. Must be currently employed by public, private, or parochial school. Limit one loan of this type at any one time. All loans are subject to approval.
The loan of a thousand purposes! Need money to take a special vacation, replace an aging appliance, give a room a facelift, or even consolidate bills? This may be the loan for you!
- Borrow from $500 up to $25,000
- A variety of terms available
- No pre-payment penalty
Eliminate your debt. Consolidating your debts to a single loan is more convenient. Plus, you can pay it off quicker. You can consolidate most types of unsecured debts from credit cards to personal and student loans. Just choose the accounts. We pay off the debt. And you pay us one monthly payment.
- Borrow from $500 up to $25,000
- A variety of terms available
- No pre-payment penalty
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