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Auto Loan Rates
Age of Vehicle Term Months Benefits APR* As Low As
2014-2024 36 LOWEST RATE, no payment for 60 days 5.24%
2014-2024 48 No payment for 60 days 5.74%
2014-2024 66 No payment for 60 days 6.24%
2014-2024 72 $12,000 or more, no payment for 60 days 6.49%
2014-2024 84 $25,000 or more, no payment for 60 days 7.24%
2009-2013 60 No payment for 60 days 7.74%
2008 & Older 48 No payment for 60 days 9.74%
 

*TERMS & CONDITIONS: APR=annual percentage rate | Membership required | Based on approved credit | Rates & terms may vary | Some restrictions may apply | Speak to a Loan Specialist for more information.

Adventure Vehicle Rates
LOAN TYPE TERM MONTHS BENEFIT APR* AS LOW AS
Travel Trailers, Motor Homes & Boats 60 months | up to $6,000 No payment for 60 days 8.25%
Travel Trailers, Motor Homes & Boats 84 months | $6,001-$10,000 No payment for 60 days 8.50%
Travel Trailers, Motor Homes & Boats 120 months | $10,001 + No payment for 60 days 8.75%
ATV's, Off-Road Motorcycles, Watercraft, & Snowmobiles 60 months | up to $6,000 No payment for 60 days 8.50%
ATV's, Off-Road Motorcycles, Watercraft, & Snowmobiles 84 months | $6,001-$10,000 No payment for 60 days 8.50%
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%
 

*TERMS & CONDITIONS: APR = annual percentage rate | Membership required | Based on approved credit | Rates & terms may vary | Some restrictions may apply | Speak to a Loan Specialist for more information.

Special Loan Rates
LOAN TYPE APR* AS LOW AS
Holiday 9.99%
Personal 11.50%
Credit Builder Contact us for more information
 

*TERMS & CONDITIONS: APR = annual percentage rate | Membership required | Based on approved credit | Rates & terms may vary | Some restrictions may apply | Speak to a Loan Specialist for more information.

Overdraft Line of Credit
LOAN TYPE BENEFIT APR* AS LOW AS
Overdraft LOC Avoid denied debit card transactions and bounced checks 15.75%
 

*TERMS & CONDITIONS: APR = annual percentage rate | Membership required | Based on approved credit | Rates may vary | Some restrictions may apply | Speak to a Loan Specialist for more information.

 

HELOC Rates
LOAN TYPE LTV RATE TYPE 6 MONTH INTRO RATE

Introductory rate of 5.50% 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 minimum variable APR of 4%. As of November 07, 2024, Prime Rate is 7.75% 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.  

APR* AS LOW AS
Home Equity Line of Credit (HELOC)
The introductory rate of 5.50% 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 November 7, 2024, Prime Rate is 7.75% 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 5.50% 7.75%
Home Equity Line of Credit (HELOC)

Introductory rate of 5.50% 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 November 7, 2024, Prime Rate is 7.75% 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 5.50% 8.00%
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 November 7, 2024, Prime Rate is 7.75%. 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 11.00%

*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.

Mortgage Rates
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.

Certificate Rates
TERM MINIMUM BALANCE APY* DIVIDEND RATE
6-Month $500 4.50%
7-Month (FLUID)** $10,000 4.40%
9-Month (GROWTH CERTIFICATE) *** $500 4.40%
12-Month $500 4.40%
18-Month $500 4.00% w/ bump
24-Month $500 4.00%
30-Month $500 4.00%
36-Month $500 4.00%
Starter Certificate **** $50 4.40%
 

*TERMS & CONDITIONS: APY = annual percentage yield | Rates subject to change without notice | Rates listed as of October 25, 2024 | 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.

Saving Rates
TERM MINIMUM BALANCE APY* RATE
Traditional Savings $25 0.10%
Save the Change N/A 4.40%
Dollar Dog Kids Club $25 0.10%
iSave Teen $25 0.10%
 

*TERMS & CONDITIONS: APY = annual percentage yield | Rates subject to change without notice | Rates listed as of October 25, 2024.

Money Market Rates
TIER BALANCE APY* RATE
1 $0 - $2,499.99 N/A
2 $2,500 - $4,999.99 0.50%
3 $5,000 - $9,999.99 1.25%
4 $10,000 - $24,999.99 1.50%
5 $25,000 - $49,999.99 1.75%
6 $50,000 - $99,999.99 2.00%
7 $100,000 - $249,999.99 2.50%
8 $250,000 & Above 3.00%
 

*TERMS & CONDITIONS: APY = annual percentage yield | Rates subject to change without notice | Rates listed as of May 15, 2023 | Dividends may be forfeited if the account is closed before accrued dividends have been credited.

Credit Card Rates
CARD TYPE ANNUAL FEE GRACE PERIOD APR* RATE SPECIAL INTRO RATE
Visa Credit Card No Fee 28 days 12.25% 5.99%
 

*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 12.25% | APR, effective December 1, 2024, 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.

 


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