San Juan Mountains Credit Union • 1102 South Cascade Montrose, Co 81401 •

RATES

Loan Rates       Savings Rates       Certificate Rates       Fee Schedule      

Effective as of: 10/01/2014
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. Call 970-249-5319 or 1-800-301-5129 for the most current rates.
New Auto/Used Auto
New Auto/Used Auto
YearTermMax 100%*

A credit tier

Max 100%*

B credit tier

Max 80%*

C and D credit tier

2014-201060 Months3.99% APR4.99% APR9.75-13.00% APR
2014-201072 Months4.49% APR5.49% APR10.25-13.50% APR
*Max calls include Tax, Title, License, DandH, and all Canelable Back-End Product - will over allow for GAP only.
Motorcycles, ATVs, Snowmobiles, Personal Watercraft
YearTermMax 100%** A credit tierMax 100%** B credit tierMax 80%** C and D credit tier
Titled New and Used60 Months3.99% APR4.25% APR10.75-13.00% APR
Titled New and Used72 Months4.49% APR4.75% APR11.25- 13.50% APR
Untitled New and Used60 Months3.99% APR4.25% APR10.75-13.00% APR
*Max calls include Tax, Title, License, DandH, and all Canelable Back-End Product - will over allow for GAP only.
TermMax 80%** A credit tierMax 75%** B credit tierMax 75%** C and D credit tier
5yr Balloon15 Year8.50% APR9.25% APR11.25 / 14.25% APR

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.

Mission Statement:

"TO SERVE AS THE PRIMARY FINANCIAL INSTITUTION OF OUR MEMBERSHIP BY PROVIDING EFFICIENT SERVICES OF HIGH QUALITY, THUS PROMOTING THE PHILOSOPHY OF  "PEOPLE HELPING PEOPLE".