Loan Rates
Be sure to check out our Savings Rates as well.
APR is annual percentage rate tied to Prime Rate published in Wall Street Journal on 80% Loan to Value. All rates are subject to change without notice, so be sure to speak with a loan officer for more information. Call today at (970) 330-3900. You can also print a loan application now.
Vehicle Loans
Cars, pick-ups, sport utility vehicles (SUV), boats, trailers, motorcycles, fifth-wheel trailers
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Year of Vehicle
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Term
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Discount APR as low as *
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Normal APR as low as
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2007 to NEW (2010) Purchase or refinance
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up to 36 months
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3.99%
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4.25%
|
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37 to 60 months
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4.49%
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4.74%
|
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61 to 72 months
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5.25%
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5.50%
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73 to 84 months
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5.49%
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5.74%
|
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Personal Secured or 2001-2006 or restored classic
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up to 36 months
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4.99%
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5.24%
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37 to 66 months
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5.99%
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6.24%
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2000 or older or non-restored classic
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up to 36 months
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6.99%
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7.24%
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^Top of the page
Personal Unsecured Loans and Untitled Collateral
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Type of Credit
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Term
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APR as low as
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Campers, ATVs, Snowmobiles, etc.
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up to 36 months
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8.90%
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Overdraft Line of Credit
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revolving
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11.90%
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^Top of the page
Deposit-Secured Loans
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Type of Credit
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Term
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APR as low as
|
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Share Secured
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up to 60 months
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4.00%
|
|
Share Certificate Secured
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tied to maturity
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2.0% above share certificate rate
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Home Equity Line of Credit (HELOC) Variable Rate Program ?
Minimum Line of Credit: $10,000. Maximum Line of Credit: $100,000. Rate tied to Wall Street Journal Prime Rate. Margin from Wall Street Journal Prime Rate. Rate depends on credit history, and is subject to change quarterly. Payments based on 1% of the outstanding balance (minimum $100).
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Type of Credit
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Term
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APR as low as
|
|
Actual Rate
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Revolving LOC
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5.00%
|
|
Floor Rate
|
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5.00%
|
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Special rate through September 30th, 2009
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1.99%
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^Top of the page
Home Mortgages
New money advanced on mortgages on your primary residence!
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Type of Mortgage
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Term
|
APR as low as
|
|
First Mortgage (owner occupied, primary residence)
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up to 60 months
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4.490%
|
|
61 to 120 months
|
4.990%
|
|
121 to 180 months
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5.490%
|
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Second Mortgage (owner occupied, primary residence)
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up to 60 months
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5.99%
|
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61 to 120 months
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6.49%
|
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121 to 180 months
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6.99%
|
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First Mortgage - Rental Property (non-owner occupied)
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up to 60 months
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4.990 %
|
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61 to 120 months
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5.490%
|
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121 to 180 months
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5.990%
|
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2nd Mortgage - Rental Property (non-owner occupied) and Secondary Residence
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up to 60 months
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6.990%
|
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61 to 120 months
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7.490%
|
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121 to 180 months
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7.990%
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^Top of the page
Motor Home Loans
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Year of Vehicle
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Term
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APR as low as
|
|
1995 and Newer
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up to 72 months
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5.75%
|
|
73 to 120 months
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6.49%
|
|
121 to 180 months
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6.99%
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^Top of the page
*0.25% rate discount on auto loans with Checking Account, Direct Deposit, and Auto Loan Payment.
**Rate and Annual Percentage Rate (APR) depend on member's individual credit history. See a loan officer for qualifications.
? Requires $10,000 minimum first advance and rate will change 1/1/2010. Rate and APR depend on term and member's individual credit history. See a loan officer for details.
? For qualified members. Up to 80% LTV. Other members may qualify for 2.99% APR. See Loan officer for details.
§ Personal Secured Loans are for consolidation loans or lowering payments on secured loans.
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