| AGE OF VEHICLE | TERM MONTHS | BENEFITS | APR* AS LOW AS |
|---|---|---|---|
| 2015-2025 | 36 | LOWEST RATE. No payment for 60 days | 4.74% |
| 2015-2025 | 48 | No payment for 60 days | 5.24% |
| 2015-2025 | 66 | No payment for 60 days | 5.74% |
| 2015-2025 | 72 | $12,000 or more. No payment for 60 days | 5.99% |
| 2015-2025 | 84 | $25,000 or more. No payment for 60 days | 6.74% |
| 2010-2014 | 60 | No payment for 60 days | 7.24% |
| 2009 & Older | 48 | No payment for 60 days | 9.24% |
| Loan Type | TERM MONTHS | BENEFIT | APR* AS LOW AS |
|---|---|---|---|
| Travel Trailers, Motor Homes & Boat | 60 months | up to $6,000 | No payment for 60 days | 7.75% |
| Travel Trailers, Motor Homes & Boat | 84 months | up to $6,001-$10,000 | No payment for 60 days | 8.00% |
| Travel Trailers, Motor Homes & Boat | 120 months | up to $10,001 + | No payment for 60 days | 8.25% |
| ATV's, Off-Road Motorcycles, Watercraft, & Snowmobiles | 60 months | up to $6,000 | No payment for 60 days | 8.25% |
| ATV's, Off-Road Motorcycles, Watercraft, & Snowmobiles | 84 months | $6,001-$10,000 | No payment for 60 days | 8.25% |
| Horse, Utility, & Flatbed Trailers | 60 months | up to $6,000 | No payment for 60 days | 7.74% |
| Horse, Utility, & Flatbed Trailers | 84 months, $6,001-$10,000 | No payment for 60 days | 8.74% |
| Horse, Utility, & Flatbed Trailers | 120 months | $10,001 + | No payment for 60 days | 9.74% |
| LOAN TYPE | LTV | Rate Type | 6 MONTH INTRO RATE | APR* AS LOW AS |
|---|---|---|---|---|
|
Home Equity Line of Credit (HELOC)
Introductory rate of 4.50% Annual Percentage Rate (APR) fixed for 180 days after account opening. After the introductory period, the APR on outstanding balance will revert to a variable rate based on the Wall Street Journal Prime Rate plus the margin stated in your original home equity line of credit agreement. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Home equity loans and lines of credit have a maximum variable APR of 18% and a minimum variable APR of 4%. As of May 1, 2025, Prime Rate is 7.50% APR. APRs for home equity lines of credit are based on the prime rate plus a margin, and are determined by your credit score and loan to value of the subject property. Fees may apply if closed within 36 months. Property insurance is required. Subject to credit approval.
|
Up to 50% | Variable | 4.50% | 7.50% |
|
Home Equity Line of Credit (HELOC)
Introductory rate of 4.50% Annual Percentage Rate (APR) fixed for 180 days after account opening. After the introductory period, the APR on outstanding balance will revert to a variable rate based on the Wall Street Journal Prime Rate plus the margin stated in your original home equity line of credit agreement. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Home equity loans and lines of credit have a maximum variable APR of 18% and a minimum variable APR of 4%. As of May 1, 2025, Prime Rate is 7.50% APR. APRs for home equity lines of credit are based on the prime rate plus a margin, and are determined by your credit score and loan to value of the subject property. Fees may apply if closed within 36 months. Property insurance is required. Subject to credit approval.
|
Up to 51%-80% | Variable | 4.50% | 7.75% |
|
Home Equity Line of Credit (HELOC)
APR = Annual Percentage Rate. Variable rate based on the Wall Street Journal Prime Rate plus a margin of 3.25%. As of December 18, 2024, Prime Rate is 7.50%. Subject to credit approval. Rates, terms, and conditions are subject to change without notice. Other restrictions apply. Maximum variable APR of 18% and minimum variable rate APR of 4%. APRs for home equity lines of credit with a loan-to-value (LTV) between 81% and 100% of the subject property are based on the Prime Rate plus a margin and your credit score. Property insurance is required. Fees may apply if closed within 36 months.
|
Up to 81%-100% | Variable | N/A | 10.75% |
*TERMS & CONDITIONS: APR=annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details. | Equal Housing Lender | NMLS# 641663 | Membership eligibility required | Consult your tax advisor for more information regarding the tax-deductible benefits of a home equity line of credit.
| LOAN TYPE | LTV | RATE TYPE | Rate | APR* AS LOW AS |
|---|---|---|---|---|
|
5-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 5-year fixed mortgage and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 5.75% interest rate, the APR for this loan type is 6.24%. The monthly payment would be $2882.52 60 payments of $2882.52 at an interest rate of 5.75%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 80% | Fixed | 5.75% | 6.24% |
|
10-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.25% interest rate, the APR for this loan type is 6.40%. The monthly payment would be $1684.20 120 payments of $1684.20 at an interest rate of 6.25%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 80% | Fixed | 6.25% | 6.40% |
|
15-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.99% interest rate, the APR for this loan type is 7.09%. The monthly payment would be $1347.50 180 payments of $1347.50 at an interest rate of 6.99%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 80% | Fixed | 6.99% | 7.09% |
|
20-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 20-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.99% interest rate, the APR for this loan type is 7.09%. The monthly payment would be $1162.05 119 payments of $1162.05 at an interest rate of 6.99%. The final payment was approximately $101,289.05 at the end of the 10th year. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 80% | Fixed w/10-Year Call | 6.99% | 7.09% |
|
30-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 30-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $187,500. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 6.99% interest rate, the APR for this loan type is 7.08%. The monthly payment would be $996.95 119 payments of $996.95 at an interest rate of 6.99%. The final payment was approximately $129,684.65 at the end of the 10th year. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 80% | Fixed w/10-Year Call | 6.99% | 7.08% |
|
No Fee 10-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 7.25% interest rate, the APR for this loan type is 7.25%. The monthly payment would be $1,761.02 120 payments of $1,761.02 at an interest rate of 7.25%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 65% | Fixed | 7.25% | 7.25% |
|
No Fee 15-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 15-year fixed mortgage. It assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,411.05 180 payments of $1,411.05 at an interest rate of 7.74%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 65% | Fixed | 7.74% | 7.74% |
|
No Fee 20-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 20-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,230.50. 119 payments of $1,230.50 at an interest rate of 7.74%. The final payment was approximately $103,807.37 at the end of the 10th year. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 65% | Fixed w/10-Year Call | 7.74% | 7.74% |
|
No Fee 30-Year Mortgage
APR=Annual Percentage Rate. The information provided is for a 30-year fixed mortgage with a 10-year call and assumes the purpose of the loan is to refinance a property, with a loan amount of $150,000.00 and an estimated property value of $230,770. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 7.74% interest rate, the APR for this loan type is 7.74%. The monthly payment would be $1,073.58 119 payments of $1,073.58 at an interest rate of 7.74%. With a final payment of approximately $131,945.70 at the end of the 10th year. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 65% | Fixed w/10-Year Call | 7.74% | 7.74% |
|
10-Year 2nd Mortgage
APR=Annual Percentage Rate. The information provided is for a 10-year fixed mortgage. It assumes the purpose of the loan is to refinance a property with a loan amount of $75,000.00 and an estimated property value of $300,000.00 with a combined LTV of 80% or less. The property is located in UT and is within Box Elder County. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 45 days, and the assumed credit score is 720. At a 7.25% interest rate, the APR for this loan type is 7.44%. The monthly payment would be $880.51 120 payments of $880.51 at an interest rate of 7.25%. The monthly payment amount displayed includes principal and interest. The payment amount does not include homeowner’s insurance or property taxes which must be paid in addition to your loan payment. An escrow account may be required.
|
Up to 80% | Fixed | 7.25% | 7.44% |
*TERMS & CONDITIONS: APR = annual percentage rate | Loans based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Officer for further details. | Equal Housing Lender | NMLS# 641663 | Membership eligibility required | Consult your tax advisor for more information regarding the tax-deductible benefits of a home equity line of credit.
*TERMS & CONDITIONS: APY = annual percentage yield | Rates subject to change without notice | Rates listed as of January 10, 2025 | Certificate rates are subject to early closure penalties; please see us for details | **For Fluid Certificates, you may make one monthly withdrawal as long as the minimum balance of $10,000 is maintained | You may also make additional deposits at any time | ***9-Month Growth Certificates must have auto-transfer set-up with at least $25 per month going into the certificate | You can make additional deposits as you want | If you withdraw funds before the maturity date, the certificate will be terminated, and an early withdrawal penalty will be assessed | ****For Starter Certificates, you may make additional deposits at any time | A minimum deposit of $25.00 per month | When your balance reaches $500.00, the funds in the account will be transferred to a 12-month certificate.
*TERMS & CONDITIONS: APR = annual percentage rate | Some restrictions may apply | Offer valid on approved credit | After the introductory rate of 5.99% APR for six billing cycles, you will receive a variable APR of 12.00% | APR, effective January 1, 2025, for purchases, balance transfers, and cash advances | The introductory rate applies to cash advances | Offer not retroactive | Speak to a loan officer for the full terms of the offer.