Rates

Accounts

Account Type
Minimum Balance
Dividend Rate
APY*
Share
$25.00
0.25%
0.250%
Checking
$0.00
0.00%
0.00%
EMMA
$0.00
0.00%
0.00%
Christmas Club
$0.00
0.25%
0.250%
*APY = Annual Percentage Yield
As of March 31, 2017
Fees may reduce the earnings on the account
Rates subject to change without notice

CD's

Certificates
Minimum Deposit
Interest Rate
APY*
Term
$500.00 - $249,999.99
$500.00
0.50%
0.501%
12 Mos.
$500.00 - $249,999.99
$500.00
0.75%
0.752%
24 Mos.
$500.00 - $249,999.99
$500.00
1.00%
1.04%
36 Mos.
$250,000.00 or more
$250,000.00
0.75%
0.752%
12 Mos.
IRA
$500.00
0.75%
0.752%
N/A
 
*APY = Annual Percentage Yield
As of April 1, 2017
Fees may reduce the earnings on the account
Rates subject to change without notice

Loans - New Vehicles-current year model and previous year model untitled

APR*
Term
3.90%
48 Months
4.90%
5.15%
5.40%
60 Months
72 Months
**84 Months
*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (432) 586-6631 for more information.
Rates listed are lowest available for new auto loans based on MSRP/NADA Retail; 2017 or previous; 750+ credit score.

Loans - Older Vehicles-any vehicle titled within the previous year

APR*
Term
4.90%
48 Months
5.90%
60 Months
6.15%
72 Months
   
Rates listed are lowest available for based on NADA Retail; 750+ credit score.
*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (432) 586-6631 for more information.
**84 Month Terms for New Purchases is restricted to an amount financed of $50,000 or greater

Loans - Consumer Goods and Non-Titled Off Road Vehicles

APR*
Term
7.00%
36 Months
7.25%
48 Months
7.50%
60 Months
Rates listed are lowest available for based on NADA Retail; 750+ credit score.
*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (432) 586-6631 for more information.

Loans - Personal

APR*
Term
8.00%
12 Months
8.25%
24 Months
8.50%
36 Months
*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (432) 586-6631 for more information.

Loans - CD Secured

APR*
Term
2.00% above CD Rate
Maturity Date of Certificate
   
   
*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (432) 586-6631 for more information.

Loans - Share Secured

APR*
Term
2.00% above Share Rate
Up to 36 Months
4.00% above Share Rate
37 to 60 Months
   
*APR = Annual Percentage Rate. Quoted rates reflect the lowest rate available. Your individual loan rate will be based on your personal financial situation and previous credit performance. Certain conditions and restrictions apply. Rate subject to change without notice. Other loans are available. Call (432) 586-6631 for more information.

Loans - Real Estate

Risk Grade
Risk Score
Commercial
Max LTV
A+ & A
700 & up
*Prime + 2%
80%
B
650-699
*Prime + 4%
80%
C
600-649
*Prime + 6%
75%
D & E
400-599
Not Available
 
Commercial Real Estate Rate
*Prime will be pulled from www.bankrate.com, the first business day of each month
Mortgages  & Home Equity
Risk Grade
1 Year
2 Years
3 Years
7 Years
10-12YR
15-20YR
25-30 YR
LTV
A+: 750+
3.48/4.73
3.44/4.69
3.44/4.69
3.79/5.04
3.93/5.18
3.48/4.73
3.92/5.42
80%
A: 700-749
3.73/5.23
3.69/5.19
3.69/5.19
4.04/5.54
4.18/5.68
3.73/5.23
3.92/5.92
80%
B: 650-699
3.98/5.98
3.94/5.94
3.94/5.94
4.29/6.29
4.43/6.43
3.98/5.98
4.67/6.67
80%
C: 600-649
4.23/6.23
4.19/6.19
4.19/6.19
4.54/6.54
4.68/6.68
4.23/6.23
4.92/6.92
70%
D: 550-599
4.72/6.72
4.68/6.68
4.68/6.68
5.03/7.03
5.17/7.17
4.72/6.72
5.41/7.41
50%
E: 549 &
Below
N/A
N/A
N/A
N/A
N/A
N/A
N/A
 
Rates as of August 21, 2017
Rates are stated as Annual Percentage Rate (APR)
Rates subject to change without notice

Credit Cards

Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by th due date each month.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://federalreserve.gov/creditreports
 
Annual Fee
 
None
Transaction Fees
Balance Transfer
$0
 
Cash Advance
$0
 
Foreign Transaction
Up to 1% of each transaction in U.S. Dollars
Penalty Fees
Late Payment
$25
 
Returned Payment
$25
Rates
Platinum Mastercard
   
Annual Percentage Rate
(APR) for Purchases
7.9 - 15%
   
APR for Balance Transfers
7.9 - 15%
   
APR for Cash Advances
7.9 - 15%
   

Safe Deposit Boxes

Size
Price (Yearly)
3X5
$25.00
3X10
$30.00
5X10
$35.00
10X10
$40.00
Boxes not available in Alpine
Ask for Availability
Rates do not reflect possible Member Loyalty Rewards. 
Member Loyalty Rewards may be given for Length of Membership, Satisfactory Paid Loans and Discounts for Qualified Products.
Loyalty Rewards are not available on Share or CD Secured Loans, Credit Cards, Loan Promotions or Real Estate Loans.

*APR = Annual Percentage Rate
Rates subject to change without notice
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