Autos

Model Year	Maximum Term**	Annual Percentage Rate* Rate Adjusts with Term
New: 2022 & Newer	up to 84 months	As low as 4.99%
Used: 2021 -  2018	up to 84 months	As low as 5.50%
Used: 2017 & Older	up to 36 months	As low as 6.25%

Boats

Model Year	Maximum Term**	Annual Percentage Rate* Rate Adjusts with Term
New	up to 120 months	As low as 6.50%
Used	up to 120 months	As low as 6.50%

RVs

Type	Maximum Term**	Annual Percentage Rate* Rate Adjusts with Term
New	up to 120 months	As low as 6.50%
Used	up to 120 months	As low as 6.50%

Other

Type	Maximum Term**	Annual Percentage Rate* Rate Adjusts with Term
Signature Loan	up to 48 months	As low as 8.50%
Share Secured	up to 120 months	3.00% above share rate
Certificate Secured	Loan Maturity matches Certificate Maturity	2.00% above certificate rate
Loans less than $1500	N/A	16.00%
Overdraft Protection	Revolving	As low as 16.00% No Access Fees, No Yearly Fees

The rate for share and certificate secured loans may vary.

Mortgage Loans

Please call us for current rates at 970-522-0111

*Rates quoted "As low as" Rate is determined by underwriting guidelines including member's credit bureau score and term of the loan. Contact a credit union loan officer for details and more information at 970-522-0111 or 970-867-3383.

**Term quoted "Up to"  Term is determined according to underwriting guidelines.

Rates do not include any fees if applicable.  Membership requirements and other fees may apply.

Rates are effective October 1, 2024

Rates and Terms are subject to change without notice.

Your savings are federally insured. Visit the National Credit Union Administration.

Share / Savings

Account Type	Minimum Opening Deposit	Minimum Balance to Earn Stated APY*	Yield/APY*
Regular Shares	$25.00	$100	1.76%
Secret Savers Club	$25.00	$100	1.76%
Christmas Club	N/A	$100	1.76%
Special Accounts	N/A	$100	1.76%

Dividends Paid Quarterly

Dividends Compound Quarterly

Dividend Period Calendar Quarter

*Annual Percentage Yield

Fees could reduce earnings on the account

Draft / Checking

Account Type	Minimum Opening Deposit	Monthly Service Charge	Minimum Balance to Avoid Service Charge	Minimum Balance to Earn Stated APY*	Yield/APY*
No Service Charge	$50.00	None	N/A	N/A	None
Classic Checking	$50.00	None	N/A	N/A	None
Organization Checking	$50.00	None	N/A	N/A	None
Business Checking	$50.00	$5.00	$500.00 Average Daily Balance	N/A	None

*Annual Percentage yield

Fees could reduce earnings on the account

Share Certificates / CDs

Term	Minimum Opening Deposit	Yield/APY*
6 month	$1,000.00	3.56%
12 month	$1,000.00	3.61%
18 month	$1,000.00	3.66%
24 month	$1,000.00	3.31%
30 month	$1,000.00	3.10%
36 month	$1,000.00	3.10%

Penalty for early withdrawal may apply

Fees could reduce earnings on the account

Dividends Paid Monthly

Dividends Compound Monthly

Dividend Period Calendar Month

*Annual Percentage yield

IRA Shares

Account Type	Minimum Opening Deposit	Minimum Balance to Earn Stated APY*	Yield/APY*
Traditional IRA	$50.00	$100	1.76%
ROTH IRA	$50.00	$100	1.76%

Dividends Paid Quarterly

Dividends Compound Quarterly

Dividend Period Calendar Quarter

*Annual Percentage yield

Fees could reduce earnings on the account

IRA Certificates / CDs

Term	Minimum Opening Deposit	Yield/APY*
6 month	$1,000.00	3.56%
12 month	$1,000.00	3.61%
18 month	$1,000.00	3.66%
24 month	$1,000.00	3.31%
30 month	$1,000.00	3.10%
36 month	$1,000.00	3.10%

Penalty for early withdrawal may apply

Fees could reduce earnings on the account

Dividends Paid Monthly

Dividends Compound Monthly

Dividend Period Calendar Month

*Annual Percentage yield

Rates are effective February 3, 2025
Rates are subject to change daily without notice.

You can obtain current rates by calling us, 970-522-0111 or 970-867-3383.

Checking Account Fees

Fee Type	Fee Amount	Per
Courtesy Pay	$25.00	Item ($100 Max/Day)
ACH Items (Non-Sufficient Funds)	$25.00	Item ($100 Max/Day)
One Time ATM/Debit Transaction	$25.00	Item ($100 Max/Day)
NSF (Non-Sufficient Funds)	$25.00	Item ($100 Max/Day)
Debit & ATM Card Reorder	$10.00	per card
Foreign ATM	$1.00	per transaction
Visa International Fee	1%	of transaction amount
Returned Item	$25.00	Item
Account Number Reassignment	$25.00	Request
Stop Payment	$25.00	Request
Temporary Check	$3.00	Sheet
Business Checking Service Charge **	$5.00	Month

Check Printing Prices may vary depending upon style

Average Daily Balance Requirement: $500.00

*After 12 months

**If minimum average daily balance not maintained

Other Service Fees

Fee Type	Fee Amount	Per
Minimum Share/Membership Required Share/Par Share	$25.00	N/A
Items Sent For Collection	$10.00	Item
Outgoing Wire Transfer	$25.00	Transfer
Incoming Wire Transfer	$5.00	Transfer
One Time ACH Transfer	$10.00	Transfer
ACH Recurring Transfers	$25.00	One Time
Cashier’s Check	$5.00	Item
Teller’s Check	$2.00	Item
Account Reconciliation	$25.00	Hour
Account Research	$25.00	Hour
Statement Copy	$3.00	Copy
Account Activity Printout	$1.00	Printout
Deposited Item Return	$5.00	Item
Legal Process	$25.00	Each
Inactive Account *	$10.00	Quarter
Document Copy	$1.00	Copy
Account Closure - if account closed within 12 months	$15.00	Each
Account Closure ATM/Debit Card - if account closed within 12 months	$10.00	Each
Returned Mail	$10.00	Occurrence
Bad Address	$10.00	Month
Check Copy	$7.50	Item
Check Cashing Not to exceed	$5.00	Item
Teller Check Replacement	$10.00	N/A

 

Safe Deposit Box Fees

Fee Type	Fee Amount	Per
3” x 10” Box	$25.00	Year
5” x 10” Box	$30.00	Year
10” x 10” Box	$50.00	Year
Change of Locks	$25.00 plus current rate of locksmith	Occurrence
Drilling of Boxes	$25.00 plus current rate of locksmith	Occurrence
Key Replacement	$20.00	Occurrence