Loan
Rates
Auto,
Truck, Van, SUV • RV/Boat • Signature • Line
of Credit (checking) • Share Secured/CD
Secured
Motorcycle • 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 66 mo
|
as low as 6.75%
|
|
Up to 72 mo
|
as low as 7.00%
|
$20,000
|
Up to 84 mo
|
as low as 8.00%
|
$25,000
|
New—up to 115% of dealer invoice, 2009, 2008 with <25,000
miles
Used—up to 115% of NADA average retail 2007-2002 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 7.00%
|
|
Up to 72 mo
|
as low as 7.50%
|
$20,000
|
Up to 120 mo
|
as low as 8.50%
|
$25,000
|
New – up to 115% of dealer invoice 2009, 2008, 2007
Used – age 2006, 2005, 2004 maximum term 48-60 months-average retail
Used – age 2003 or older- maximum term 36-48 months, average retail.
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Signature
Rate
|
Term
|
as low as 11.90%
|
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
|
CD Secured
Rate |
Term |
3.50% above current rate* |
Up to 60 months |
*Loan rate does not change upon CD rollover.
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Motorcycle
APR
|
Term
|
as low as 8.00%
|
Up to 60 months
|
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Real Estate
APR
|
Term
|
as low as 7.00%
|
up to 120 months
|
Loan to value: 70%-80% of selling price.
1% origination fee.
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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
|
Counseling /
budgeting required
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Share Rates
Your deposits are federally insured to $250,000.
Primary Share
Share Balance |
Rate |
Dividend Method |
Dividend Term |
APY |
Minimum Balance |
$500 to $250,000 |
.75% |
Average Daily |
Semi-Annual |
.75% |
$500 |
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IRA
Share Balance |
Rate |
Dividend Method |
Dividend Term |
APY |
Minimum Balance |
$25 to $250,000 |
1.41% |
Average Daily |
Semi-Annual |
1.41% |
$25 |
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Holiday
Share Balance |
Rate |
Dividend Method |
Dividend Term |
APY |
Minimum Deposit |
Maximum Balance in Account |
Disbursement |
$100 to 5,000 |
1.25% |
Average Daily |
Quarterly |
1.26% |
$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 |
1.50% |
every 3 months |
1.51% |
$1,000 |
early withdrawal penalties apply |
12 months |
1.75% |
every 3 months |
1.76% |
$1,000 |
early withdrawal penalties apply |
Current C.D. Special Available: Check with credit union
for details |
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