Loans
|
Loan Purpose |
Maximum Term** |
Annual Percentage Rate* |
|
Auto Rate Adjusts with Term |
|
New 2022 - 2019 |
up to 84 months |
As low as 2.75% |
|
Used 2018 - 2016 |
up to 84 months |
As low as 3.50% |
|
Used 2015- 2013 |
up to 60 months |
As low as 4.25% |
|
Used 2012 & Older |
up to 48 months |
As low as 5.75% |
|
Boats |
|
New |
up to 120 months |
As low as 5.00% |
|
Used |
up to 120 months |
As low as 5.00% |
|
Recreational Vehicles |
|
New |
up to 120 months |
As low as 5.00% |
|
Used |
up to 120 months |
As low as 5.00% |
|
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 May 23, 2022
-
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 |
.350% |
|
Secret Savers Club |
$25.00 |
$100 Average Daily Balance |
.350% |
|
Christmas Club |
N/A |
$100 Average Daily Balance |
.350% |
|
Special Accounts |
N/A |
$100 Average Daily Balance |
.350% |
-
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 |
.451% |
|
12 month |
$1,000.00 |
.602% |
|
18 month |
$1,000.00 |
.652% |
|
24 month |
$1,000.00 |
.702% |
|
30 month |
$1,000.00 |
.702% |
|
36 month |
$1,000.00 |
.803% |
-
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 |
.350% |
|
ROTH IRA |
$50.00 |
$100 Average Daily Balance |
.350% |
-
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 |
.451% |
|
12 month |
$1,000.00 |
.602% |
|
18 month |
$1,000.00 |
.652% |
|
24 month |
$1,000.00 |
.702% |
|
30 month |
$1,000.00 |
.702% |
|
36 month |
$1,000.00 |
.803% |
-
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 August 2, 2022
Rates are subject to change daily without notice
You can obtain current rates by calling us, 970-522-0111 or 970-867-3383.