Loan Rates

Rates effective as of


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

New Car and Truck
Terms APR * as low as Model Year
60 Months, Fixed % 2017-2027
72 Months, $15,000 Min, Fixed % 2017-2027
84 Months, 30,000 Min, Fixed % 2017-2027
96 Months, 45,000 Min, Fixed % 2017-2027
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
Terms APR * as low as Model Year
** 60 Months Fixed, % 2006-2016
** 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
Terms APR * as low as
60 Months Fixed %
72 Months, $10,000 Min Fixed %
84 Months, $15,000 Min Fixed %
120 Months, $20,000 Min Fixed %
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
Terms APR * as low as
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
Terms APR * as low as
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
Terms APR * as low as
Purchases %
Balance Transfers %
Cash Advances %

$500.00 Minimum, $10,000.00 Maximum

 

Overdraft / Revolving Line of Credit

Overdraft - Revolving Line of C
Terms APR * as low as
Line of Credit %

Maximum $5,000.00

 

Personal / Signature / Consolidation Loan

Personal Signature
Terms APR * as low as
24 Months Fixed %
36 Months Fixed %
48 Months Fixed %
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 Terms APR * as low as
10 Year Conventional First Mortgage Refinance** Fixed 120 Months, 80% Max LTV %
15 Year Conventional First Mortgage Refinance** Fixed 180 Months, 80% Max LTV %
20/10 Balloon ** 20 Year Amortization / 10 Year Balloon 80% Max LTV %
30/15 Balloon ** 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
Terms APR * as low as
60 Months, 85% Max CLTV Fixed %
120 Months, 85% Max CLTV Fixed %
180 Months, 85% Max CLTV Fixed %
10 Year Balloon (20 Year Amortization) %
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 Terms APR * as low as
120 month (2 Year Draw, 8 Year Payback)** Fixed 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 % % $1,000
12 months % % $1,000
24 months % % $1,000
36 months % % $1,000
 

Money Market Accounts

Money Market Accounts
Tier APY** Rate Minimum Balance
Tier 1 % % $0
Tier 2 % % $5,000
Tier 3 % % $10,000
Tier 4 % % $25,000
Tier 5 % % $50,000
Tier 6 % % $100,000
 

Savings Accounts

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

Checking Accounts

Coming soon!