Loan Rates

Rates effective as of


Newer Car and Truck - Purchase, Refinance, or Title Loan

Newer Car and Truck
APR* As Low As Terms Model Year
4.99% 60 Months, Fixed 2017-2027
4.99% 72 Months, $15,000 Min, Fixed 2017-2027
6.24% 84 Months, 30,000 Min, Fixed 2017-2027
8.24% 96 Months, 45,000 Min, Fixed 2017-2027
7.99% Branded Title** 25,000 Max, 60 Months Max 2017-2027

Payment Examples: If you qualified for a 60 month term at 4.99% APR* you would have 60 monthly payments of $18.87 per $1,000.00 borrowed.
Maximum Loan Amount $100,000.00
** Additional Requirements, Call for details (435) 864-4411

 

Older Car and Truck - Purchase, Refinance, or Title Loan

Older Car and Truck
APR* As Low As Terms Model Year
5.99% ** 60 Months Fixed, 2006-2016
5.99% ** 72 Months, $15,000 Min Fixed 2006-2016

Payment Examples: If you qualified for a 60 month term at 4.99% APR* you would have 60 monthly payments of $18.87 per $1,000.00 borrowed.
** Clean Title Only

 

RV / Trailer / ATV / UTV / Boat

RV Trailer ATV UTV Boat
APR* As Low As Terms
7.24% 60 Months Fixed
7.24% 72 Months, $10,000 Min Fixed
7.24% 84 Months, $15,000 Min Fixed
7.99% 120 Months, $20,000 Min Fixed
7.99% 180 Months, $30,000 Min Fixed

Payment Examples: If you qualified for a 60 month term at 7.24% APR* you would have 60 monthly payments of $19.92 per $1,000.00 borrowed.
Maximum Loan Amount $115,000.00

 

Share Pledged

Share Pledged
APR* As Low As Terms
3.99% Up To 60 Months Fixed

Payment Examples: If you qualified for a 60 month term at 3.99% APR* you would have 60 monthly payments of $18.41 per $1,000.00 borrowed.

 

Water Stock

Water Stock
APR* As Low As Terms
4.99% Up To 60 Months Fixed, 80% Max LTV

Payment Examples: If you qualified for a 60 month term at 4.99% APR* you would have 60 monthly payments of $18.41 per $1,000.00 borrowed.

 

Visa® Credit Card

VISA Credit Card
APR* As Low As Transaction Type
14.00% Purchases
14.00% Balance Transfers
14.00% Cash Advances

$500.00 Minimum, $10,000.00 Maximum

 

Overdraft / Revolving Line of Credit

Overdraft Revolving Line of Cr
APR* As Low As Terms
18.00% Line of Credit

Maximum $5,000.00

 

Personal / Signature / Consolidation Loan

Personal
APR* As Low As Terms
10.49% 24 Months Fixed
10.74% 36 Months Fixed
10.99% 48 Months Fixed
11.24% 60 Months Fixed

Payment Examples: If you qualified for a 60 month term at 11.24% APR* you would have 60 monthly payments of $21.86 per $1,000.00 borrowed.
Maximum $25,000.00

 

Short Term First Mortgage

short term first mortgage
Mortgage Type APR* As Low As Terms
10 Year Conventional First Mortgage Refinance** Fixed 4.875% 120 Months, 80% Max LTV
15 Year Conventional First Mortgage Refinance** Fixed 5.125% 180 Months, 80% Max LTV
20/10 Balloon ** 5.500% 20 Year Amortization / 10 Year Balloon 80% Max LTV
30/15 Balloon ** 5.750% 30 Year Amortization / 15 Year Balloon 80% Max LTV

Owner Occupied, Primary Residence, Refinance. Minimum Loan Amount $15,000.00.
Maximum Loan Amount $500,000.00
*APR: Annual Percentage Rate; all rates are minimum rate; rates may differ depending on credit rating; all rates subject to change without notice.
**Closing Costs Vary - Call for details (435) 864-4411.

 

Second Mortgage

Second Mortgage
APR* As Low As Terms
6.740% 60 Months, 85% Max CLTV Fixed
7.240% 120 Months, 85% Max CLTV Fixed
7.490% 180 Months, 85% Max CLTV Fixed
7.990% 10 Year Balloon (20 Year Amortization)
9.000% 15 Year Balloon (30 Year Amortization)

Owner Occupied, Primary Residence, Refinance. Minimum Loan Amount $15,000.00. Maximum Loan Amount $200,000.00
*APR: Annual Percentage Rate; all rates are minimum rate; rates may differ depending on credit rating; all rates subject to change without notice.
**Closing Costs Vary - Call for details (435) 864-4411.

 

Home Equity Line of Credit

Home Equity Line of Credit
Type APR* As Low As Terms
120 month (2 Year Draw, 8 Year Payback)** Fixed 7.490% Line of Credit, 85% Max CLTV

Owner Occupied, Primary Residence, Refinance. Minimum Loan Amount $15,000.00. Maximum Loan Amount $200,000.00
*APR: Annual Percentage Rate; all rates are minimum rate; rates may differ depending on credit rating; all rates subject to change without notice.
**Closing Costs Vary - Call for details (435) 864-4411.
Payment Example: If your line of credit balance is 1,000 your payment during the draw would be $12.50 per $1,000 borrowed for 2 years, and then a fixed payment of $13.88 per $1,000 borrowed for 8 years.
All Loans On Approved Credit (O.A.C.).
LTV: Loan-to-Value.
CLTV: Combined Loan-to-Value.

 

Dividend Rates

Rates effective as of 1/21/2026


Certificates

Certificates
Term APY** Rate Minimum Balance
6 months 3.919% 3.850% $1,000
12 months 3.867% 3.800% $1,000
24 months 3.815% 3.750% $1,000
36 months 2.750% 2.716% $1,000
 

Money Market Accounts

Money Market Accounts
Tier APY** Rate Minimum Balance
Tier 1 0.500% 0.501% $0
Tier 2 0.650% 0.652% $5,000
Tier 3 0.750% 0.753% $10,000
Tier 4 0.850% 0.853% $25,000
Tier 5 1.000% 1.005% $50,000
Tier 6 1.250% 1.257% $100,000
 

Savings Accounts

Savings Accounts
Type APY** Rate Minimum Balance
Share Savings 0.050% 0.050% $25
IRA Savings 0.100% 0.100% $0
 

Checking Accounts

Coming soon!