Rates

Current Rates effective as of 07/01/2025
All posted rates include all applicable discounts

Loan Rates
Loans Term Rate%****** APR %*
New & Used Vehicles, Motorcycles** 60 5.74 5.74
Specialty Vehicles 60 8.74 8.74
RVs, Campers, and Motorhomes 60 7.74 7.74
Credit Card N/A 8.99 8.99
Personal Loans 24 11.74 11.74
Rockies Rapid Cash Loan** 12 16.00 16.00
MyChoice Line Home Equity LOC*** 240 7.25 7.25
Done in 10 Mortgage (1st lien position) 120 4.99 4.99
Fixed 2nd Mortgage - 10 yr**** 120 7.50 7.50
Fixed 2nd Mortgage - 15 yr**** 180 8.00 8.00
Overdraft LOC N/A 21.00 21.00
Spire LOC N/A 21.00 21.00

*APR = Annual Percentage Rate
**Longer terms available.
***Rates are subject to change without notice. The APR is variable and is based upon an index plus a margin. The APR will vary with the Prime Rate (the index) as published by the Wall Street Journal. As of January 1, 2025, the Prime Rate is 7.50%. MyChoice Line HELOC has a floor rate of 3.00%. Loan rates and terms are dependent on credit qualifications.
****Term available on Done-in-Ten Mortgage is 10 years. Contact the credit union for additional rates. Payment example: on a $150,000 loan for 120 months at 5.189% APR, monthly payments would be $1590.25. Payment does not include taxes or insurance.

*****Terms available on fixed 2nd mortgages range from 3 to 20 years. Contact the credit union for additional rates. Payment example: on a $50,000 loan for 180 months at 8.00% APR, monthly payments would be $477.83. Payment does not include taxes, or insurance if in first lien position.

******Loan rates listed are the lowest APR for well-qualified borrowers and include all available discounts. Condo and Townhome Property Types Add 0.50%, Non-Owner-Occupied Occupancy Status Add 1.00%

Foreign transactions, or transactions initiated in foreign countries and/or foreign currencies will incur a foreign transaction fee of 1.00% of the final settlement amount.  For transactions occurring in foreign countries and initiated in US Dollars, a foreign transaction fee of 0.80% of the final settlement amount will be assessed.  Transactions initiated via the internet with merchants or other parties located outside of the United States of America are deemed to occur in the foreign country where the merchant or other party is located.