Print this Page
image description
CURRENT RATES

Loan Rates

 

New & Used Cars and Trucks
APR as low as Term Vehicle Year

Protect yourself and your vehicle with Guaranteed Asset Protection (GAP insurance), Payment Protection and Major Mechanical Protection at a low cost.
Click here for more information and quotes.

Check the NADA value of your vehicle

Rebuilt/Restored titles:  

Call Cyprus Credit Union for rates and terms. (801) 260-7700

*New Money Only

2.69%
Up to 60 months
2006-2015
2.99%
61 to 72 months
2006-2015
3.69%
73 to 84 months
2006-2015

 


2005 & Older Used Cars and Trucks
APR as low as Term
Vehicle Year
3.99%
Up to 60 months
2005 & Older

Protect yourself and your vehicle with Guaranteed Asset Protection (GAP insurance), Payment Protection and Major Mechanical Protection at a low cost. Click here for more information and quotes.

Check the NADA value of your vehicle


All RV's and All Motorcycles
APR as low as Term
Vehicle Year
3.99%
Up to 60 months
2006-2015
4.24%
61 to 72 Months
2006-2015
4.49%
73 to 84 months
2006-2015
4.49%
85 to 144 months
2006-2015
5.69%
Up to 36 months
2005 & Older
5.99%
37 to 48 months
2005 & Older
6.24%
49 to 60 months
2005 & Older

 


Visa Platinum/Platinum Awards
Variable Rate Visa
APR as low as Card Type
Annual Fee
7.99%
Variable Rate Visa Platinum Credit Card
No annual Fee
(see terms)
9.49%
Variable Rate Visa Platinum Awards Credit Card
No Annual Fee
(see terms)

Unsecured (Signature Loans)
APR as low as Term
8.99%
Up to 36 Months
9.49%
37 to 48 Months
9.99%
49 to 60 Months

Share & Certificate Loans
APR as low as Type
3.00 over highest declared dividend rate
Share Secured
3.00 over the CD rate
Certificate Secured

First Mortgage

View our current mortgage rates in the Mortgage Center

Short & Sweet Mortgage
Short-term mortgages at a sweet rate
Owner Occupied Refinance
Loan Grid Max LTV Minimum FICO score Max Loan Amount
First Tier 75% 720 $150,000
Second Tier 70% 680 $150,000

Owner Occupied Refinance
Rates 5 year 7 year 10 year 12 year
First Tier 2.99% 3.24% 3.49% 3.99%
Second Tier 3.49% 3.74% 3.99% 4.49%




* Rates are subject to change


Home Equity (Loan Line of Credit)

 

 

HELOC Default Rate

APR as low as 4.0% (prime rate +0.75%)

*We will loan up to 100% of the property’s value based on the evaluation or appraisal, minus 1st mortgage balance. If the appraisal is required, members must pay for the appraisal at the time it is ordered. An appraisal is required on all loans with a loan to value in excess of 80% and a loan amount that exceeds $ 25,000. All investment and second home properties require an appraisal and are subject to third party fees.

**Loan will be subject to early termination fee.

Home Equity Line of Credit rate is based on the wall street Journal prime lending rate
on the last day of each month. Maximum interest rate over the life of the loan is 18%.
Minimum interest rate over the life of the loan is 4%.

Additional Loan Information

Apply Now

For loan requests larger than these amounts please call 260-7600 Ext 5335

Contact a 2nd Mortgage Officer


Second Mortgage (Closed-end)  
Rate APR (as low as) Term
3.74%
3.74%
5 years
4.49%
4.49%
10 years
5.49%
5.49%
15 years

To apply call please call 260-7600 Ext 5335

Contact a 2nd Mortgage Officer



Construction Loans
APR as low as Term
4.25%****
8-12 months

Call a Construction Loan Officer at 260-7600 Ext. 5331 for more information.

Contact a Construction Loan Officer



Improved Land Loans  
APR as low as
Term
LTV
5.25%
20/5
80%

Call a Construction Loan Officer at 260-7600 Ext. 5331 for more information.

Contact a Construction Loan Officer


Prime interest rate = 3.25%
Historical Prime Rates


Savings Rates

Rates - Shares & Deposits

Interest Rates (Rate) and Annual Percentage Yields (APY)

Regular Share Savings Interest Rates (S1-S3)
Daily Balance
Rate
APY
$0.00 and over
.100%
.100%

** Minimum balance of $5 to earn dividends
** These interest rates apply to S1, S2 and S3 account types
** Declared, paid and compounded monthly


Money Market (S8)
Daily Balance
Rate
APY
$0.00 to $9,999.99
.100%
.10%
$10,000.00 to $24,999.99
.150%
.15%
$25,000.00 to $49,999.99
.200%
.20%
$50,000.00 to $99,999.99
.250%
.25%
$100,000 to $199,999.99
.300%
.30%
$200,000.00 and over
.300%
.30%

** Declared, paid and compounded monthly


Checking (S5)
Daily Balance
Rate
APY
$500.00 to $49,999.99
.100%
.10%
$50,000.00 and over
.150%
.15%

** Minimum balance of $500 required to earn dividends
** Declared, paid and compounded monthly


IRA Shares (S10-S18)
Daily Balance
Rate
APY
$0.00 to $9,999.99
.100%
.10%
$10,000.00 to $24,999.99
.150%
.15%
$25,000.00 to $49,999.99
.200%
.20%
$50,000.00 and over
.250%
.25%

** Declared, paid and compounded monthly


Certificate Accounts , IRA Certificate Accounts and Dream Certificates Open Now
Daily Balance
Rate
APY
6 month Certificate (CD)
.250%
.250%
12 month Certificate (CD)
.499%
.500%
18 month Certificate (CD)
.499% 
.500%
24 month Certificate (CD)
.747% 
.750%
30 month Certificate (CD)
.847% 
.850%
36 month Certificate (CD)
.995% 
1.000%
48 month Certificate (CD)
1.243%   
1.250%
60 month Certificate (CD)
2.080%   
2.100%

Open your Dream CD with just $1 and add any amount you choose while earning regular CD rates. Your deposits will be automatically transferred to your Dream CD every month or every paycheck.

**Sample Certificate Accounts, $1,000 minimum to open, penalty for early withdrawal.

** $100,000 Dream CD maximum per member.

 

back to top