Loan Rates
Year | Loan Rate* as low as |
---|---|
2018 - 2021 | 2.99% APR |
2012 - 2017 | 3.25% APR |
2011 & Older | 3.75% APR |
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
Year | Loan Rate* as low as |
---|---|
2019 - 2021 | 4.25% APR |
2018 & Older | 5.00% APR |
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
Type | Loan Rate* as low as |
---|---|
Visa Platinum Credit Card | 9.90% APR |
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
** There is no membership or participation fee. There are no minimum, fixed, transaction or activity fees. There is a $15 late fee.
** There is no membership or participation fee. There are no minimum, fixed, transaction or activity fees. There is a $15 late fee.
Type | Loan Rate* as low as |
---|---|
Overdraft Protection Line of Credit** | 14.70% APR |
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
** There is no membership or participation fee. There are no minimum, fixed, transaction or activity fees. There is a $15 late fee.
** There is no membership or participation fee. There are no minimum, fixed, transaction or activity fees. There is a $15 late fee.
Amount | Loan Rate* as low as |
---|---|
$1,000 to $2,999 | 14.90% APR |
$3,000 & up | 7.75% APR |
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
Real Estate Product | Loan Rate* as low as |
Origination | APR* as low as |
Monthly Payment |
---|---|---|---|---|
Conventional Mortgages | Call (719) 561-0804 | |||
Non Conventional Mortgages** | ||||
10 year Mortgage LTV <=80% | 3.25% | 1% Orig. | 3.460% | $98.70 / $10,000 |
10 year Mortgage LTV >80% | 3.75% | 1% Orig. | 3.964% | $101.06 / $10,000 |
15 Year Mortgage | ||||
15 year Mortgage | 3.00% | 1% Orig. | 3.143% | $69.75 /$10,000 |
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
Rates for owner occupied homes.
**Additional closing costs and appraisal fees may apply to home loans and range from $135 to $1,200. Real estate payment estimates do not include amounts for taxes and insurance premiums. The actual payment obligation may be greater.
Rates for owner occupied homes.
**Additional closing costs and appraisal fees may apply to home loans and range from $135 to $1,200. Real estate payment estimates do not include amounts for taxes and insurance premiums. The actual payment obligation may be greater.
Real Estate Product | Loan Rate | Origination | APR* as low as |
Monthly Payment |
---|---|---|---|---|
Home Equity Loans | ||||
2nd Mortgage 10 Year LTV<=80% | 5.25% | 0% Orig. | 5.25% | $107.30 on $10,000 |
2nd Mortgage 10 Years LTV>80% | 6.90% | 0% Orig.5 | 6.90% | $115.64 on $10,000 |
Home Equity Line of Credit Variable Rate** | ||||
Home Equity Line of Credit LTV <=80% | 0% Orig. | P+0.5% | Payment based on outstanding balance. | |
Home Equity Line of Credit LTV >80% | 0% Orig. | P+1% | Payment based on outstanding balance. | |
Home Equity Line of Credit Fixed Rate | ||||
Home Equity Line of Credit LTV <=80% | 4.99% | 0% Orig. | 4.99% | Payment based on outstanding balance. |
Home Equity Line of Credit LTV >80% | 6.75% | 0% Orig. | 6.75% | Payment based on outstanding balance. |
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
** A home equity line of credit is an open-end loan. The rate can vary and is based on prime rate plus a margin. Rates listed are the most current rates. However, they are subject to change. Rates vary based on credit history, loan-to-value, owner occupied status and other factors. Rates range from P + 0% APR (prime rate plus a 0% margin) to 21% APR (maximum APR). The prime rate is based on the published rate in the Wall Street Journal. Rates cannot increase/decrease by more than 2% per year. Closing costs to open a new home equity line of credit range from $200 to $1,200. Real estate payment estimates do not include amounts for taxes and insurance premiums. The actual payment obligation may be greater. For more information about our home equity plans, please contact a credit union representative at 719/561-0804. WSJ prime rate 3.25% effective 4/1/2020.
** A home equity line of credit is an open-end loan. The rate can vary and is based on prime rate plus a margin. Rates listed are the most current rates. However, they are subject to change. Rates vary based on credit history, loan-to-value, owner occupied status and other factors. Rates range from P + 0% APR (prime rate plus a 0% margin) to 21% APR (maximum APR). The prime rate is based on the published rate in the Wall Street Journal. Rates cannot increase/decrease by more than 2% per year. Closing costs to open a new home equity line of credit range from $200 to $1,200. Real estate payment estimates do not include amounts for taxes and insurance premiums. The actual payment obligation may be greater. For more information about our home equity plans, please contact a credit union representative at 719/561-0804. WSJ prime rate 3.25% effective 4/1/2020.

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