Rates


Savings Rates

Savings Range Dividend Rate APY**
$25.00 - $100.00 0.05% 0.05%
$101.00 - $5000.00 0.10% 0.10%
$5001.00 - $20,000.00 0.15% 0.15%
$20,001.00 - $40,000.00 0.20% 0.20%
$40,001.00 and over 0.30% 0.30%
Christmas Club Savings** 0.15% 0.15%
  • $25 minimum to open savings account

  • Rates are effective 12/19/2017 and are subject to change without notice including after an account is opened

  • Regular Shares require a $25 minimum balance at all times

  • Fees could reduce the earnings on the account

  • ** No minimum to open, check mailed on November 1st

  • For more information, please contact the Credit Union at 575.623.7788


Money Market Checking

Balance APY**
Balance over $2,500.00 0.30%

IRA’s

Amount APY**
$25.00 and up 0.30%
  • We offer Traditional, Education, and Roth IRA’s

  • Rates are effective 8/21/2018 and are subject to change without notice including after an account is opened

  • Fees could reduce the earnings on the account

  • For more information, please contact the Credit Union at 575.623.7788


Certificate of Deposit (CD)

Term (Mo) Minimum Balance Dividend Rate APY**
36 $2,000.00 1.70% 1.70%
24 $2,000.00 1.50% 1.50%
18 $2,000.00 1.30% 1.30%
12 $2,000.00 1.15% 1.15%
6 $2,000.00 0.95% 0.95%
3 $2,000.00 0.75% 0.75%
  • $2,000.00 Minimum Deposit

  • Early Withdrawal Penalty- 90 Days Dividend

  • Rates are effective 12/19/2017 and are subject to change without notice

  • Certificates which are automatically renewed will receive the rate in effect on the renewal date, which may be different from the renewing certificate rate

  • Fees could reduce the earnings on the account

  • For more information, please contact the Credit Union at 575.623.7788


Loan Rates

RISK-BASED PRICING
Closed-End Loans

Loan Tier A+ A B C D E
Credit Score Range 750&up 749-680 679-630 629-600 599-530 529&under
Debt Ratio (GMI) 45% 45% 42% 40% 38% 38%
% FINANCED 125% MSRP 115% MSRP 100% MSRP 90% MSRP 85% MSRP 85% MSRP

#7 BELOW APPLIES


New Vehicle 2019-2018 (never titled)

Loan Type A+ A B C D E
36 months* 2.75%* 3.25%* 5.25%* 8.25%* 11.75%* 13.75%*
48 months 3.25%* 3.75%* 5.50%* 8.75%* 12.25%* 14.25%*
60 months 4.25%* 4.50%* 6.00%* 9.00%* 12.75%* 14.75%*
72 months 4.75%* 5.75%* 7.00%* 10.00%* 13.25%* 15.25%*
84 months 5.50%* 6.00%* 8.00%* n/a n/a n/a
  • *36 Months or less.

  • 72 month term requires minimum of $20,000.00 and 84 month term requires minimum of $30,000.00


Used Vehicle 2015-2018

Loan Type A+ A B C D E
NADA Used Retail NADA Used Retail NADA Used Retail NADA Used Retail NADA Used Trade
TV Only
NADA Used Trade
TV Only
36 months* 3.75%* 4.25%* 6.25%* 9.25%* 12.75%* 15.75%*
48 months 4.25%* 4.75%* 6.75%* 9.75%* 13.25%* 16.25%*
60 months 5.00%* 5.75%* 7.75%* 10.75%* 14.25%* 17.25%*
72 months 6.00%* 6.50%* 8.50%* 11.50%* 15.00%* 18.00%*
  • *36 Months or less


Used Vehicle 2012-2014

Loan Type A+ A B C D E
NADA Used Retail NADA Used Retail NADA Used Retail NADA Used Retail NADA Used Trade
TV Only
NADA Used Trade
TV Only
36 months* 4.75%* 5.25%* 7.25%* 10.25%* 13.25%* 16.25%*
48 months 5.25%* 5.75%* 7.75%* 10.75%* 13.75%* 16.75%*
60 months 6.00%* 6.75%* 8.75%* 11.75%* 14.75%* 17.75%*
  • *36 Months or less


Used Vehicle 2011 & OLDER

Loan Type A+ A B C D E
36 months* 5.75%* 6.25%* 7.50%* 10.50%* 13.75%* 16.50%*
48 months 6.25%* 6.75%* 8.00%* 11.00%* 14.75%* 17.00%*
60 months 6.75%* 7.00%* 9.00%* 12.00%* 15.00%* 18.00%*
  • "CLASSIC VEHICLES" RATES IS 1% LESS THAN ABOVE CATEGORY

  • All Vehicles with 100,000 or more miles MUST add 2.00% to APR (with a maximum of 18%)


RECREATIONAL VEHICLES, MOTORCYCLES, TRAILERS NEW & USED

Loan Type A+ A B C D E
36 months 6.00%* 6.25%* 7.50%* 9.50%* 12.50%* 14.50%*
48 months 6.50%* 6.75%* 7.75%* 9.75%* 12.75%* 14.75%*
60 months 7.00%* 7.25%* 8.00%* 10.00%* 13.00%* 15.00%*
72 months 7.50%* 7.75%* 8.25%* 10.25%* 13.25%* 15.25%*
84 months** 8.00%* 8.25%* 8.50%* 10.50%* 13.50%* 15.50%*
96 months** 8.50%* 8.75%* 9.00%* 11.00%* 14.00%* 16.00%*
120 months** 9.00%* 9.25%* 9.50%* n/a n/a n/a
  • **Motorhomes, high end only


O/D Protection Loans

Loan Type A+ A B C D E
16.00% 16.00% 16.00% 18.00% 18.00% 18.00%
Limits $500 $500 $500 $300 $300 $300

Signature Loans

Loan Type Max Term A+ A B C D E
up to $12,000 60 9.25%*
up to $10,000 60 9.00%* 12.50%*
up to $8,000 48 8.75%* 12.25%* 15.25%*
up to $7,000 48 8.50%* 12.00%* 15.00%* 17.50%*
up to $2,000 36 8.25%* 11.75%* 14.75%* 17.25%* 18.00%*
up to $1,000 24 8.00%* 11.50%* 14.50%* 17.00%* 18.00%* 18.00%*

Share Secured Loans

Loan Type A+ A B C D E
3.50%* 3.50%* 3.50%* 3.50%* 3.50%* 3.50%*

Click Here for Credit Card Rates

Mortgage Loans

First Mortgage Loans - Please see mortgage loan officer for current rate. 80% of the appraised value, in New Mexico, A+ credit.

Second Mortgage Loans - Please see mortgage loan officer for current rate. 90% of appraised value less first mortgage balance, in New Mexico, A+ credit.

  1. CD Secured loans will be set 2% above dividend rate for the term of the CD.

  2. Once the CD matures the loan will be renewed at the new rate.

  3. All interest rates are subject to change without notice based on current market factors.

  4. All used vehicle vales are based on NADA Guide value.

  5. Comprehensive & Collision insurance required on all vehicle collateralized loans, under certain circumstances can be waived on vehicles with loan balance under $1,000.00.

  6. A Lien in lieu of RCFCU will be filed on all vehicle/collateralized loans.

  7. Collateralized loan amounts over 100% of MSRP will be assessed a blended rate.

Credit Grade: Additional Instructions

  1. "C" will include members who have no credit history.

  2. "D" and "E" will be financed at Trade Value Only and will be required to purchase GAP Protection Insurance.


Effective date: 9/25/18