Loan Rates
Rates effective as of
Newer Car and Truck - Purchase, Refinance, or Title Loan
| 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
| 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
| 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
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
| 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
| Terms | APR * as low as |
|---|---|
| Purchases | % |
| Balance Transfers | % |
| Cash Advances | % |
$500.00 Minimum, $10,000.00 Maximum
Overdraft / Revolving Line of Credit
| Terms | APR * as low as |
|---|---|
| Line of Credit | % |
Maximum $5,000.00
Personal / Signature / Consolidation Loan
| 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
| 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
| 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
| 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
| Term | APY** | Rate | Minimum Balance |
|---|---|---|---|
| 6 months | % | % | $1,000 |
| 12 months | % | % | $1,000 |
| 24 months | % | % | $1,000 |
| 36 months | % | % | $1,000 |
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
| Type | APY** | Rate | Minimum Balance |
|---|---|---|---|
| Share Savings | % | % | $25 |
| IRA Savings | % | % | $0 |
Checking Accounts
Coming soon!