LENDING

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Current Auto Loan Rates

Effective Date: March 31, 2025

Type APR* As Low As Term
Auto Loan (New & Used) 5.99% - 17.99% Up to 7 years
Recreational Vehicle 8.99% - 17.99% Up to 15 years
Utility Trailers 8.99% - 17.99% Up to 5 years

Current Mortgage Rates

Effective Date: March 31, 2025

Type APR* As Low As Term
30-Year 1st Mortgage 6.500% 30 years
Home Equity Line Of Credit 8.490% 10 years to advance, 10 years to pay back
Home Equity Loan 8.500% 15-year fixed rate
Personal Construction Loan 8.900% 9-Month Draw
Spec Home Construction Loan 8.900% 9-Month Draw
 
 

Current Personal Loan Rates

Effective Date: March 31, 2025

Type APR* As Low As Term
Personal Advances 12.99% - 17.99% Up to 3 years

Current VISA/ Line of Credit Rates

Effective Date: March 31, 2025

Type APR* As Low As
VISA Platinum 13.24%
VISA Classic 17.24%
Overdraft Line of Credit 15.90%
Visa Secured Credit Card 7.90%
 
 

ACCOUNTS

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Current Share Account Rates

Effective Date: April 1, 2025

Share Accounts included are Prime, Secondary, Business, My Account, Fresh Start and IRA Shares.
Account Dividend Rate APY**
Share Accounts 0.050% 0.050%
 

Current Share Draft Account Rates

Effective Date: April 1, 2025

Account Dividend Rate APY**
Share Draft / Elite 55 0.010% 0.010%
Fresh Start Share Draft 0.000% 0.000%
Business Share Draft 0.010% 0.010%
Business Plus Share Draft 0.010% 0.010%
 

Current Money Market Account Rates

Effective Date: April 1, 2025

Personal Dividend Rate APY**
$2,500.00 - $24,999.99 1.292% 1.300%
$25,000.00 - $49,999.99 1.490% 1.500%
$50,000.00 - $99,999.99 2.031% 2.050%
$100,000.000 or greater 2.960% 3.000%

Current Certificate Rates

Effective Date: March 31, 2025

(Share or IRA Certificates)

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Term Dividend Rate APY**
6-Month 2.771% 2.800%
12-Month 3.552% 3.600%
24-Month 3.455% 3.500%
36-Month 3.455% 3.500%
48-Month 2.869% 2.900%
60-Month 2.722% 2.750%
 

Serving Western Colorado - Join online or visit one of our branches in Grand Junction, Orchard Mesa, or Fruita.

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