Rates
Rates are effective October 1, 2026.
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Auto
| Model Year | Maximum Term** | APR* Rate Adjusts with Term |
|---|---|---|
| New | up to 84 months | As low as 5.50% |
| 2022 - 2025 | up to 60 months | As low as 5.50% |
| 2019 - 2021 | up to 48 months | As low as 5.50% |
| 2018 - Older | up to 36 months | As low as 5.50% |
Watercraft – ATV – Trailer
| Model Year | Maximum Term** | APR* Rate Adjusts with Term |
|---|---|---|
| New | up to 84 months | As low as 7.50% |
| 2022 - 2025 | up to 60 months | As low as 7.50% |
| 2019 - 2021 | up to 48 months | As low as 7.50% |
| 2018 - Older | up to 36 months | As low as 7.50% |
Motorhome – Camper Trailer
| Type | Maximum Term** | APR* Rate Adjusts with Term |
|---|---|---|
| Less Than $25,000 | up to 60 months | As low as 7.50% |
| More Than $25,000 | up to 144 months | As low as 6.50% |
Other
| Type | Maximum Term** | APR* |
|---|---|---|
| Signature Loan - Small | up to 24 months | As low as 13.00% |
| Signature Loan - Large | up to 48 months | As low as 12.00% |
| Share Loan | up to 24 months | 2.00% above passbook rate |
| Share Loan | up to 15 years | 3.00% above passbook rate |
| Certificate Loan | up to 15 years | 2.00% above certificate rate |
| 4-H Loans - Up To $4000.00 | up to 12 months | 5.75% |
| Mobile Home Loan | up to 84 months - Used/70% LTV | 9.00% |
| Mobile Home Loan | up to 144 months - Used/70% LTV | 9.00% |
| Overdraft Protection Loans | Open Ended | 14.50% |
| Credit Builder Loan - Student | up to 12 months | $50.00 interest |
| Credit Builder Loan - Non-Student | up to 12 months | $100.00 interest+ $35 CB Fee |
Mortgage Loans
Please call us for current rates at 970-854-3109 in Holyoke or 308-882-6633 in Imperial.
*Rates quoted “As low as” Rate is determined by underwriting guidelines including member’s credit bureau score and term of the loan. Contact a credit union loan officer for details and more information at 970-854-3109 in Holyoke or 308-882-6633 in Imperial.
**Term is determined according to underwriting guidelines.
Please note that the rate for share and certificate secured loans may vary.
Rates do not include any fees if applicable. Membership requirements and other fees may apply.
Rates and Terms are subject to change without notice. Some restrictions may apply.
Shares
| Account Type | Current Rate | Yield/APY* | Minimum Balance |
|---|---|---|---|
| Passbook | 0.40% | 0.400% | $25.00 |
| Kid's Saver Club | 0.40% | 0.400% | $5.00 |
| Share Draft | 0.20% | 0.20% | $0.00 |
| Money Market | 1.10% | 1.106% | $2,000.00 |
| Money Market | 1.25% | 1.257% | $10,000.00 |
*Annual Percentage Yield
IRA/HSA
| Account Type | Current Rate | Yield/APY* | Minimum Balance |
|---|---|---|---|
| IRA | 2.0% | 2.018% | $50.00 |
| HSA | 2.0% | 2.018% | $50.00 |
*Annual Percentage Yield
CD’s
| Term | Current Rate | Yield/APY* | Minimum Opening Deposit |
|---|---|---|---|
| 3 month | 3.25% | 3.29% | $500.00 |
| 6 month | 3.45% | 3.495% | $2,500.00 |
| 12 month | 3.50% | 3.546% | $5,000.00 |
| 12 month | 3.55% | 3.598% | $50,000.00 |
| 15 month (rollover only) | 0.00% | 0% | $10,000.00 |
| 15 month (rollover only) | 0.00% | 0% | $50,000.00 |
| 16 month (rollover only) | 0.00% | 0% | $10,000.00 |
| 16 month (rollover only) | 0.00% | 0% | $50,000.00 |
| 18 month | 3.50% | 3.546% | $10,000.00 |
| 18 month | 3.55% | 3.598% | $50,000.00 |
| 24 month | 3.35% | 3.392% | $10,000.00 |
| 24 month | 3.40% | 3.444% | $50,000.00 |
| 30 month | 3.40% | 3.444% | $10,000.00 |
| 30 month | 3.45% | 3.495% | $50,000.00 |
| 36 month | 3.35% | 3.392% | $10,000.00 |
| 36 month | 3.40% | 3.444% | $50,000.00 |
| 48 month | 3.35% | 3.392% | $10,000.00 |
| 48 month | 3.40% | 3.444% | $50,000.00 |
| 60 month | 3.35% | 3.392% | $10,000.00 |
| 60 month | 3.40% | 3.444% | $50,000.00 |
| Kid's CD - 12 Month (0-18 yrs old) | 3.60% | 3.60% | $200.00 |
*Annual Percentage Yield
Rates are subject to change daily without notice.
You can obtain current rates by calling us at 970-854-3109 in Holyoke or 308-882-6633 in Imperial.
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