Risk-Based | Mortgage | Savings | Certificates
New Auto
| Credit Rating |
|
| Up to 72 months. As low as |
5.50 APR |
USED VEHICLE
| Credit Rating |
|
| Up to 72 months. As low as |
6.00 APR |
| |
Classic Vehicles
| Credit Rating |
|
| As low as |
7.50 APR |
Personal/Revolving Loan
| Credit Rating |
|
| 12-48 months. As low as |
8.50 APR |
New Mobile Homes-Over $30,000-5yr balloon
| Credit Rating |
|
| Call Credit Union for rates |
|
Used Mobile Homes-Over $30,000-5yr balloon
| Credit Rating |
|
| Call Credit Union for rates |
|
Home Equity Lines of Credit (HELOC's)
| Credit Rating |
|
| Call Credit Union for rates |
|
Vacant Land Loans
| Credit Rating |
|
| Call Credit Union for rates |
|
New RV Loans-Over $35,000 Value: Up to 15yrs Amortization-5yr balloon
| Credit Rating |
|
| Up to 15 years. As low as |
7.75 |
Used RV Loans-Over $35,000 Value: Up to 15yrs Amortization-5yr balloon
| Credit Rating |
|
| Up to 15 years. As low as |
8.25 |
Overdraft Protection on Sharedraft Accounts
| Credit Rating |
|
| Revolving |
15.00 |
San Juan Mountains Credit Union's method for determining loan rates is based on Risk Base Lending. The actual rate charged will be determined using this method at the time a loan application is completed. Please use these rates only as a guide when you are estimating loan payments.
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First Mortgages
| Rate |
Points |
APR* |
| Call for rates |
|
|
Second Mortgages
| Rate |
Points |
APR* |
| Call for rates |
|
|
San Juan Mountains Credit Union's method for determining loan rates is based on Risk Base Lending. The actual rate charged will be determined using this method at the time a loan application is completed. Please use these rates only as a guide when you are estimating loan payments.
Go To Loan Application | Go To Calculators | Back to Top
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All account types listed are variable rate accounts. Dividend rates and Annual Percentage Yields are established by the San Juan Mountains Credit Union at its' sole discretion and are subject to change at any time. Dividends are compounded monthly and paid monthly. Dividend period is the calendar month. The Daily Balance Method calculates dividends. Dividends are calculated from current income and available earnings after required transfers to reserves at the end of the dividend period. The dividend rates and annual percentage yields are the rates and yields the Credit Union anticipates paying for the dividend period. Dividends will not be paid on shares, high yield money market shares or IRA accounts if the account is closed before accrued dividends are credited.
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| Certificates Call for Current Rates |
Rate |
APY* |
Term |
Dividends are compounded monthly and are paid monthly. Dividend rates are fixed for the term of the account. Dividends period begin the first calendar date of the quarter and ends on the last calendar date of the quarter. Annual Percentage Yield assumes dividends will remain on deposit until maturity. There is a substantial penalty for early withdrawal of certificates. Early withdrawal will reduce earnings. Additional deposits to certificate account will not be accepted. Dividends are not paid after maturity. Certificate accounts will not automatically renew, but will transferred to member's #1 share account at maturity unless member requests renewal at current rate. Early withdrawal penalty may reduce principal deposit. The annual percentage yield is a percentage rate that reflects the total amount of the dividends to be paid on an account based on the dividend rate and frequency of compounding for an annual percentage rate that reflects the total amount of dividends to be paid on an account based on the dividend rate and frequency of compounding on an annual period. San Juan Mountains Credit Union may offer other rates for these accounts from time to time.
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