Rates

Loans
Loan Purpose Maximum Term** Annual Percentage Rate*
Auto                                                                                                                      Rate Adjusts with Term
New     2020 - 2017  up to 84 months As low as 2.99%
Used    2016 - 2014 up to 84 months As low as 3.25%
Used    2013 - 2011 up to 60 months As low as 3.75%
Used    2010 - 2008 up to 48 months As low as 5.25%
Boats
New up to 120 months As low as 6.00%
Used up to 120 months As low as 6.00%
Recreational Vehicles
New up to 120 months As low as 6.00%
Used up to 120 months As low as 6.00%
Other    
Signature Loan up to 48 months As low as 6.00%
Overdraft Protection Revolving NO ACCESS FEES
NO YEARLY FEES
As low as 16.00%
Mortgage Loans Please call us for current rates at 970.522.0111
Rates are subject to change daily
Loans less than $1500   16.00%


 
Share Secured up to 120 months 3.00% above share rate
Certificate Secured Loan Maturity matches Certificate Maturity 2.00% above certificate rate
The rate for share and certificate secured loans may vary.
  • *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 31, 2019
  • Rates and Terms are subject to change without notice.

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

Share / Savings
  Minimum Opening Deposit Minimum Balance to Earn Stated APY* Yield/APY*
Regular Shares $25.00 $100 Average Daily Balance .250%
Secret Savers Club $25.00 $100 Average Daily Balance .250%
Christmas Club N/A $100 Average Daily Balance .250%
Special Accounts N/A $100 Average Daily Balance .250%
  • Dividends Paid Quarterly
  • Dividends Compound Quarterly
  • Dividend Period Calendar Quarter
  • *Annual Percentage Yield
  • Fees could reduce earnings on the account
Draft/Checking
  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
     
  Minimum Opening Deposit Yield/APY*
 6 month $1,000.00 .351%
12 month $1,000.00 .501%
18 month $1,000.00 .551%
24 month $1,000.00  .602%
30 month $1,000.00 .602%
36 month $1,000.00 .652%
  • 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
  Minimum Opening Deposit Minimum Balance to Earn Stated APY* Yield/APY*
Traditional IRA $50.00 $100 Average Daily Balance  .250%
ROTH IRA $50.00 $100  Average Daily Balance .250%
  • Dividends Paid Quarterly
  • Dividends Compound Quarterly
  • Dividend Period Calendar Quarter
  • *Annual Percentage yield
  • Fees could reduce earnings on the account
IRA Certificates /CDs
  Minimum Opening Deposit Yield/APY*
  6 month $1,000.00 .351%
12 month $1,000.00 .501%
18 month $1,000.00 .551%
24 month $1,000.00 .602%
30 month $1,000.00 .602%
36 month $1,000.00 .652%
  • 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  January 1, 2021

Rates are subject to change daily without notice

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