Loan Rates
| Year | Loan Rate* as low as |
|---|---|
| 2017 - 2020 | 3.49% APR |
| 2011 - 2016 | 3.75% APR |
| 2010 & Older | 4.25% APR |
* Rates may vary based on your credit history. APR=Annual Percentage Rate.
| Year | Loan Rate* as low as |
|---|---|
| 2018 - 2020 | 4.25% APR |
| 2017 & 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% | 3.75% | 1% Orig. | 3.964% | $103.67 / $10,000 |
| 10 year Mortgage LTV >80% | 4.50% | 1% Orig. | 4.717% | $108.56 / $10,000 |
| 15 Year Mortgage | ||||
| 15 year Mortgage | 3.50% | 1% Orig. | 3.713% | $75.23 /$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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