New Auto/Truck
- 100% financing including tax/license
- Maximum $50,000
Used Vehicle
- 2002 and newer models-up to 100% of NADA Retail
- Maximum $40,000
- Average Trade-in value for older vehicles
New Boat & RV
- 100% of purchase price including tax/license
- Maximum $50,000
Used Boat & RV
- 2002 and newer models - up to 100% of NADA Retail
- Maximum $30,000
New Motorcycle
- 90% of purchase price including tax/license
- Maximum $20,000
Used Motorcycle
- 2002 and newer models - up to 90% of NADA Retail
- Maximum $15,000
Signature Loans
overdraft/debit cards/credit cards/single payment
- Limit based on credit bureau, salary, and debt ratio
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Share Secured/CD Secured
- 100% of savings
- Minimum payment is 1.5% of balance or $25.00
- Term of loan must match maturity of certificate/savings
Fixed Rate Home Secured Loan
- Up to 100% of appraised value less 1st mortgage balance of owner occupied property
- Property can be outside of Utah
- Maximum of $90,000 on 80% loan to value
- Fees: appraisal, title insurance, flood determination, escrow, and filing
- Fees may be added to Loan
- Terms up to 120 months available
Home Equity Line of Credit
- Up to 80% of appraised value less 1st mortgage balance
- Maximum of $50,000
- 180 Month payback period
- Rate: Currently at Wall Street Prime
- Full disclosure available
Special Circumstance Loans
- For members who may not qualify under existing loan approval policy
- Add 3% to listed loan rates
- Rebates of interest may be earned for good repayment record
- This classification of loan must be approved by committee
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