Loan Rates


Auto Loan Rates
Year Loan Rate*
as low as
2015 - 2018 4.25% APR
2009 - 2014 4.75% APR
2008 & Older 5.75% APR
* Rates may vary based on your credit history. APR=Annual Percentage Rate.


RV & Boat Loan Rates
Year Loan Rate*
as low as
2016 - 2018 5.50% APR
2009 - 2015 6.25% APR
2008&Older 7.25% APR
* Rates may vary based on your credit history. APR=Annual Percentage Rate.


Motorcycle/ATV Loan Rates
Year Loan Rate*
as low as
2016 - 2018 5.00% APR
2015 & Older 6.75% APR
* Rates may vary based on your credit history. APR=Annual Percentage Rate.


Credit Card Loan Rates
Type Loan Rate*
as low as
Visa Platinum Credit Card 11.90% APR
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
** There is no membership or participation fee. There are no minimum, fixed, transaction or activity fees. There is a $15 late fee.


Overdraft Loan Rates
Type Loan Rate*
as low as
Overdraft Protection Line of Credit** 14.70% APR
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
** There is no membership or participation fee. There are no minimum, fixed, transaction or activity fees. There is a $15 late fee.


Unsecured Loan Rates
Amount Loan Rate*
as low as
$1,000 to $2,999 14.90% APR
$3,000 & up 7.25% APR
* Rates may vary based on your credit history. APR=Annual Percentage Rate.


Mortgage Loan Rates
Real Estate Product Loan Rate*
as low as
Origination APR*
as low as
Monthly Payment
Conventional Mortgages Call (719) 561-0804
Non Conventional Mortgages**
10 year Mortgage LTV <=80% 4.50% 1% Orig. 4.716% $103.67 / $10,000
10 year Mortgage LTV >80% 5.50% 1% Orig. 5.720% $108.56 / $10,000
15 Year Mortgage
15 year Mortgage 4.25% 1% Orig. 4.399% $75.23 /$10,000
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
Rates for owner occupied homes.
**Additional closing costs and appraisal fees may apply to home loans and range from $135 to $1,200. Real estate payment estimates do not include amounts for taxes and insurance premiums. The actual payment obligation may be greater.


HELOC Loan Rates
Real Estate Product Loan Rate Origination APR*
as low as
Monthly Payment
Home Equity Loans
2nd Mortgage 10 Year LTV<=80% 5.75% 0% Orig. 5.75% $109.77 on $10,000
2nd Mortgage 10 Years LTV>80% 6.90% 0% Orig. 6.90% $115.64 on $10,000
Home Equity Line of Credit**
Home Equity Line of Credit LTV <=80% 0% Orig. P+0.5% Payment based on outstanding balance.
Home Equity Line of Credit LTV >80% 0% Orig. P+1% Payment based on outstanding balance.
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
** A home equity line of credit is an open-end loan. The rate can vary and is based on prime rate plus a margin. Rates listed are the most current rates. However, they are subject to change. Rates vary based on credit history, loan-to-value, owner occupied status and other factors. Rates range from P + 0% APR (prime rate plus a 0% margin) to 21% APR (maximum APR). The prime rate is based on the published rate in the Wall Street Journal. Rates cannot increase/decrease by more than 2% per year. Closing costs to open a new home equity line of credit range from $200 to $1,200. Real estate payment estimates do not include amounts for taxes and insurance premiums. The actual payment obligation may be greater. For more information about our home equity plans, please contact a credit union representative at 719/561-0804. WSJ prime rate 5.25% effective 9//27/2018.


Land Loan Rates
Loan To Value Loan Rate*
as low as
Origination APR*
as low as
Payment
< = 50% 4.49% 1% Orig. 4.903% $186.38/$10,000 for 60 month term
51% to 70% 4.99% 1% Orig. 5.405% $188.66/$10,000 for 60 month term
* Rates may vary based on your credit history. APR=Annual Percentage Rate.


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Construction Loan

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