Loan Rates

Always Low, Always Competitive

The credit union may offer other rates and terms or amend the rates and terms contained in this schedule from time to time. Click here to view or download a copy of our Loan Rates PDF.

Auto Loan Rates


Product Term APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Friday, July 1, 2016 and are subject to change.
Auto Loan 5 Years 2.99% Fixed
Auto Loan - Declining Rate Auto 5 Years 3.24% Fixed
Auto Loan 6 Years 3.24% Fixed
Auto Loan 7 Years 3.99% Fixed
Auto Loan - (Minimum Loan Amount of $30,000 Required) 8 Years 5.24% Fixed
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Motorcycle Loan Rates


Product Term APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Friday, July 1, 2016 and are subject to change.
**Best rates are available with loan-to-value ratio at 80% or lower.
***Best rates are available with loan-to-value ratio at 75% or lower.
motorcycle*** 7 Years 3.5% Variable
motorcycle** - loan amount over $20,000** 12 Years 3.5% Variable
motorcycle*** 7 Years 4.5% Fixed
motorcycle** - loan amount over $20,000** 10 Years 4.5% Fixed
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Off-Road Loan Rates


Product Term APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Friday, July 1, 2016 and are subject to change.
***Best rates are available with loan-to-value ratio at 75% or lower.
atv / small watercraft / snowmobile*** 7 Years 3.5% Variable
atv / small watercraft / snowmobile*** 7 Years 4.5% Fixed
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RV Loan Rates


Product Term APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Friday, July 1, 2016 and are subject to change.
**Best rates are available with loan-to-value ratio at 80% or lower.
new rv** 12 Years 3.5% Variable
used rv** 12 Years 3.5% Variable
new rv** 10 Years 4.5% Fixed
used rv** 10 Years 4.5% Fixed
new/used rv balloon 7/15 15 Years 4.99% Fixed
new/used rv balloon 10/15 15 Years 5.24% Fixed
new/used rv balloon 10/20 20 Years 5.24% Fixed
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Watercraft Loan Rates


Product Term APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Friday, July 1, 2016 and are subject to change.
***Best rates are available with loan-to-value ratio at 75% or lower.
atv / small watercraft / snowmobile*** 7 Years 3.5% Variable
atv / small watercraft / snowmobile*** 7 Years 4.5% Fixed
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Mortgage Rates


Product Interest Rate Discount Points Origination Fee APR*
* Rates, fees, and Annual Percentage Rates (APRs) displayed are intended as mortgage market indicators only, are time-delayed, and may change without notice. The information provided assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in Utah with a 40% down payment. The rate-lock period is 40 days and the assumed credit score is 740. Actual rates, fees, and APRs may vary based on these and other factors. There may be additional fees assessed by the investor that will increase the APR. All rates effective Friday, July 29, 2016 8:23 AM MST.
10 Year Fixed 2.625% 0% 0.5% 2.769%
15 Year Fixed 2.625% 0% 0.5% 2.7235%
20 Year Fixed 3.125% 0% 0.5% 3.2022%
30 Year Fixed 3.375% 0% 0.5% 3.4304%
FHA 30-year 3.25% 0% 0.5% 4.236%
Utah Housing FHA 3.38% 0% 0.5% 4.9292%
Utah Housing Score Loan 4.625% 0% 0.5% 5.6673%
Utah Housing VA 3.38% 0% 1% 3.6581%
VA 30 year 3.25% 0% 1% 3.6349%
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Construction & Lot Loan Rates


Product Interest Rate Discount Points Origination Fee APR*
* Interest rates and Annual Percentage Rates (APRs) listed are the lowest offered and are based on approved credit. Rates may be higher according to an applicant's credit history and additional underwriting factors. Ask your loan originator what qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation. All rates effective Friday, May 2, 2014 6:15 AM MST.
Home Construction - Contractor Built 4.49% 0% 1% 7.4052%
Home Construction- Self Built 4.49% 0% 1.5% 8.6419%
Lot Loan- 10 Year 5.99% 0% 1% 6.3278%
Lot Loan- 10 Year Fixed 6.49% 0% 1% 6.831%
Lot Loan- 20/5YR Balloon 5.49% 0% 1% 5.7253%
Lot Loan- 20/5YR Balloon Fixed 5.99% 0% 1% 6.2287%
Lot Loan- 30/5YR Balloon 5.74% 0% 1% 5.8804%
Lot Loan- 30/5YR Balloon Fixed 6.24% 0% 1% 6.3848%

Home Equity Line of Credit Rates


Product Term APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Friday, July 1, 2016 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18% and require homeowners' insurance. A reconveyance fee may apply if reconveyed within 24 months.
Home Equity Line 100% LTV   9.5% Variable
No Closing Costs Home Equity Line 50% LTV   3.24% Variable
No Closing Costs Home Equity Line 50% LTV 5 Years 3.74% Fixed
No Closing Costs Home Equity Line 80% LTV   3.49% Variable
No Closing Costs Home Equity Line 80% LTV 5 Years 3.99% Fixed

Home Equity Loan Rates


Product Term APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Friday, July 1, 2016 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18% and require homeowners' insurance. A reconveyance fee may apply if reconveyed within 24 months.
65% Home Equity Non-Owner 15 Years 4.49% Variable
65% Home Equity Non-Owner 10 Years 4.99% Fixed
80% Home Equity Non-Owner 15 Years 4.74% Variable
80% Home Equity Non-Owner 10 Years 5.13% Fixed
Home Equity Loan 100% LTV 10 Years 9% Variable
Home Equity Loan 100% LTV 10 Years 9.5% Fixed
Home Equity Loan 100% LTV 15 Years 9.5% Variable
Home Equity Loan 90% LTV 5 Years 5.24% Variable
Home Equity Loan 90% LTV 5 Years 5.74% Fixed
Home Equity Loan 90% LTV 10 Years 5.99% Variable
Home Equity Loan 90% LTV 10 Years 6.49% Fixed
Home Equity Loan 90% LTV 15 Years 6.99% Variable
No Closing Costs Home Equity Loan 80% LTV 5 Years 3.24% Variable
No Closing Costs Home Equity Loan 80% LTV 5 Years 3.74% Fixed
No Closing Costs Home Equity Loan 80% LTV 10 Years 3.99% Variable
No Closing Costs Home Equity Loan 80% LTV 10 Years 4.49% Fixed
No Closing Costs Home Equity Loan 80% LTV 15 Years 4.99% Variable
No Closing Costs Home Equity Loan 80% LTV Balloon 20/5 Years 6.99% Fixed

No Closing Costs First Mortgage Rates


Product Term APR*
* The annual percentage rates listed are our best rates. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Friday, July 1, 2016 and are subject to change. Home Equity Loans and Lines of Credit have a maximum variable APR of 18% and require homeowners' insurance. A reconveyance fee may apply if reconveyed within 24 months.
No Closing Costs First Mortgage 50% LTV 5 Years 2.49% Variable
No Closing Costs First Mortgage 50% LTV 7 Years 2.75% Variable
No Closing Costs First Mortgage 50% LTV 5 Years 2.99% Fixed
No Closing Costs First Mortgage 50% LTV 10 Years 3% Variable
No Closing Costs First Mortgage 50% LTV 7 Years 3.25% Fixed
No Closing Costs First Mortgage 50% LTV 12 Years 3.25% Variable
No Closing Costs First Mortgage 50% LTV 10 Years 3.5% Fixed
No Closing Costs First Mortgage 50% LTV 15 Years 3.5% Variable
No Closing Costs First Mortgage 50% LTV 12 Years 3.75% Fixed
No Closing Costs First Mortgage 50% LTV 15 Years 3.99% Fixed
No Closing Costs First Mortgage 80% LTV 5 Years 2.74% Variable
No Closing Costs First Mortgage 80% LTV 7 Years 3% Variable
No Closing Costs First Mortgage 80% LTV 5 Years 3.24% Fixed
No Closing Costs First Mortgage 80% LTV 10 Years 3.24% Variable
No Closing Costs First Mortgage 80% LTV 7 Years 3.5% Fixed
No Closing Costs First Mortgage 80% LTV 12 Years 3.5% Variable
No Closing Costs First Mortgage 80% LTV 10 Years 3.74% Fixed
No Closing Costs First Mortgage 80% LTV 15 Years 3.99% Variable
No Closing Costs First Mortgage 80% LTV 12 Years 4% Fixed
No Closing Costs First Mortgage 80% LTV 15 Years 4.25% Fixed
No Closing Costs First Mortgage 80%LTV/Balloon 20/5 Years 5.99% Fixed

Personal Loan Rates


Product Term APR* Apply Online
*Rates displayed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Rates and terms are accurate as of Friday, July 1, 2016 and are subject to change.
share secured line of credit   3.1% Variable APPLY NOW
share secured 10 Years 3.1% Variable APPLY NOW
personal Up to 5 years 8% Variable APPLY NOW
personal Up to 5 years 9% Fixed APPLY NOW
line of credit Monthly Payment = 3.5% of balance 10% Variable APPLY NOW
certificate secured Term of Certificate Certificate Rate + 3.00% Fixed APPLY NOW

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