Loan
Rates
Auto,
Truck, Van, SUV • RV/Boat • Signature • Line
of Credit (checking) • Share Secured/CD
Secured
Mortorcycle • Real
Estate • Lots • Debt Reconstruction
Share Rates
Primary Share • IRA • Holiday • Certificates
of Deposit (CDs)
Rates are subject to change. Call (435) 888-4433
for current rates.
Loan Rates
Auto, Truck, Van, SUV
Term
|
APR
|
Minimum Finance
|
Up to 60 mo
|
as low as 6.75%
|
|
Up to 72 mo
|
as low as 7.50%
|
$20,000
|
Up to 84 mo
|
as low as 8.80%
|
$25,000
|
New—up to 115% of dealer invoice, 2006,2005 with <25,000
miles
Used—up to 115% of NADA average retail 2-5 model
years old, max term: 60 mos
6-7 model years old, NADA average
retail, max term: 48 mos
8-10 model years old, NADA average
retail, add 1% to APR, max term 36 mos
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RV/Boat
Term
|
APR
|
Minimum Finance
|
Up to 60 mo
|
as low as 6.75%
|
|
Up to 72 mo
|
as low as 7.50%
|
$20,000
|
Up to 120 mo
|
as low as 8.80%
|
$25,000
|
Rates & terms are for new and used units up to 4 model
years old
Add 0.50% for units 5-6 years old. Add 1% for older
units
New—up to 115% of dealer invoice 2006, 2005, 2004,
2003
Used—up
to 115% of average retail (NADA)
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Signature
Rate
|
Term
|
as low as 13.50%
|
Up to 36 months
|
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Line
of Credit
(checking)
Payment
|
APR
|
Other Info
|
$25 up to $75
|
18.00%
|
Up to $1,000
|
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Share Secured/CD Secured
Rate
|
Term
|
as low as 6.00%
|
Up to 36 months
|
as low as 7.00%
|
Up to 60 months
|
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Mortorcycle
APR
|
Term
|
as low as 8.25%
|
Up to 60 months
|
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Real Estate
APR
|
Term
|
as low as 8.00%
|
up to 120 months
|
Loan to value: 70%-80% of appraised value.
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Lots
APR
|
Term
|
as low as 9.00%
|
up to 60 months
|
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Debt
Reconstruction
Terms
|
APR
|
Other Info
|
Up to 36 months
|
as low as 13.5%
|
100% Collateralized
|
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Share Rates
Your deposits are federally insured to $100,000.
Primary Share
Share Balance |
Rate |
Dividend Method |
Dividend Term |
APY |
Minimum Deposit |
$100 to $100,000 |
1.70% |
Average Daily |
Semi-Annual |
1.70% |
$100 |
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IRA
Share Balance |
Rate |
Dividend Method |
Dividend Term |
APY |
Minimum Deposit |
$25 to $100,000 |
3.25% |
Average Daily |
Semi-Annual |
3.28% |
$25 |
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Holiday
Share Balance |
Rate |
Dividend Method |
Dividend Term |
APY |
Minimum Deposit |
Maximum Balance in Account |
Disbursement |
$100 to $500 |
1.99% |
Average Daily |
Quarterly |
2.01% |
$100 |
$5000 |
annual disbursement
2nd week of November |
Dividend Term: Quarterly
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Certificates
of Deposit (CDs)
Term |
Rate |
Dividend Term |
APY |
Minimum Deposit |
Account Information |
6 months |
3.00% |
every 3 months |
3.03% |
$1,000 |
early withdrawal penalties apply |
12 months |
3.80% |
every 3 months |
3.85% |
$1,000 |
early withdrawal penalties apply |
Current C.D. Special Available: Check with credit union
for details |
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