Loan Rates
Rates effective as of
Newer Car and Truck - Purchase, Refinance, or Title Loan
| 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
| 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
| 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
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
| 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
| 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
| APR* As Low As | Terms |
|---|---|
| 18.00% | Line of Credit |
Maximum $5,000.00
Personal / Signature / Consolidation Loan
| 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
| 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
| 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
| 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
| 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
| 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
| Type | APY** | Rate | Minimum Balance |
|---|---|---|---|
| Share Savings | 0.050% | 0.050% | $25 |
| IRA Savings | 0.100% | 0.100% | $0 |
Checking Accounts
Coming soon!