Loan Rates
Be sure to check out our Savings Rates as well.
APR is annual percentage rate. All rates are subject to change without notice, so be sure to speak with a loan officer for more information. Call (970) 330-3900 today. 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
|
|
2007 to New (2010) Purchase or refinance
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up to 36 months
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3.24%
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3.49%
|
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37 to 60 months
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3.74%
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3.99%
|
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61 to 72 months
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4.24%
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4.49%
|
|
73 to 84 months
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5.24%
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5.49%
|
|
Personal Secured or 2001-2006 or restored classic
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up to 36 months
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4.24%
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4.49%
|
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37 to 66 months
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5.24%
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5.49%
|
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2000 or older or non-restored classic
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up to 36 months
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6.24%
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6.49%
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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
|
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%
|
|
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
|
|
Share Secured
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up to 60 months
|
4.00%
|
|
Share Certificate Secured
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tied to maturity
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2% above share certificate rate
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^Top of the page
Home Equity Line of Credit (HELOC) Variable Rate Program ***
Minimum Line of Credit: $10,000. Maximum Line of Credit: $100,000 on 85% loan to value. Rate tied to 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
|
Term
|
APR as low as
|
|
Actual Rate
|
Revolving LOC
|
5.00%
|
|
Floor Rate
|
|
5.00%
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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
|
Term
|
APR as low as
|
|
First Mortgage (owner occupied, primary residence)
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up to 60 months
|
4.490%
|
|
61 to 120 months
|
4.990%
|
|
121 to 180 months
|
5.490%
|
|
Second Mortgage (owner occupied, primary residence)
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up to 60 months
|
5.990%
|
|
61 to 120 months
|
6.490%
|
|
121 to 180 months
|
6.990%
|
|
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%
|
|
121 to 180 months
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5.990%
|
|
2nd Mortgage - Rental Property (non-owner occupied) and Secondary Residence
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up to 60 months
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6.990%
|
|
61 to 120 months
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7.490%
|
|
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
|
APR as low as
|
|
1995 and Newer
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up to 72 months
|
5.75%
|
|
73 to 120 months
|
6.49%
|
|
121 to 180 months
|
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 1/1/2011. Rate and APR depend on term and member's individual credit history. See a loan officer for details.
*** For qualified members. Up to 85% LTV. See Loan officer for details.
§ Personal Secured Loans are for consolidation loans or lowering payments on secured loans.
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