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. |
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*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.
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**Term quoted "Up to" Term is determined according to underwriting guidelines.
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Rates do not include any fees if applicable. Membership requirements and other fees may apply.
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Rates are effective October 31, 2019
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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% |
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Dividends Paid Quarterly
-
Dividends Compound Quarterly
-
Dividend Period Calendar Quarter
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*Annual Percentage Yield
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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 |
|
|
|
|
|
|
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*Annual Percentage yield
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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% |
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Penalty for early withdrawal may apply
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Fees could reduce earnings on the account
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Dividends Paid Monthly
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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% |
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Dividends Paid Quarterly
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Dividends Compound Quarterly
-
Dividend Period Calendar Quarter
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*Annual Percentage yield
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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.