Loan Rates

Home Banking

New & Used Cars and Trucks Apply Online New & Used Cars and Trucks
APR as low as Term Vehicle Year
6.74%* Up to 60 months 2015-2024
7.24%* 61 to 72 months 2015-2024
7.99%* 73 to 84 months 2015-2024

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

*Advertised APR includes 0.50% discount with automatic payments from a Cyprus Dream Checking account.

2014 & Older Used Cars and Trucks Apply Online 2014 & Older Used Cars and Trucks
APR as low as Term Vehicle Year
7.99%* Up to 60 months 2014 & Older
8.49%* 61 to 84 months 2014 & 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

*Advertised APR includes 0.50% discount with automatic payments from a Cyprus Dream Checking account.

All RV's and All Motorcycles Apply Online All RV's and All Motorcycles
APR as low as Term Vehicle Year
8.24%* Up to 60 months 2015-2024
8.74%* 61 to 144 Months 2015-2024
8.99%* 145 to 180 months 2015-2024
8.99%* Up to 60 months 2014 & Older
9.74%* 61 to 84 months 2014 & Older

8.99%*

RV Balloon Program: 2015-2024

120 month term with a 240 month amortization. Loan Amounts: 
$50,000 - $200,000
 *Advertised APR includes 0.50% discount with automatic payments from a Cyprus Dream Checking account.
Visa Platinum/Platinum Rewards/Cash Back (Variable Rate Visa) Apply Online Visa Platinum/Platinum Rewards/Cash Back (Variable Rate Visa)
APR as low as Card Type Annual Fee
12.24% Variable Rate Visa 
Platinum Credit Card
No Annual Fee (see terms)
14.74% Variable Rate Visa 
Platinum Rewards Credit Card
No Annual Fee (see terms)
17.74% Variable Rate Visa 
Platinum Cash Back Credit Card
No Annual Fee (see terms)
12.24% Variable Rate Visa 
Share-Secured Credit Card
No Annual Fee (see terms)
Unsecured (Signature Loans) Apply Online Unsecured (Signature Loans)
APR as low as Term
12.49% 48 Months
Share & Certificate Loans Apply Online 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
Short & Sweet Mortgage (short-term mortgages at a sweet rate) Apply Online Short & Sweet Mortgage (short-term mortgages at a sweet rate)
Max LTV Minimum FICO score Max Loan Amount
80% 680 $400,000
Short & Sweet Mortgage Rates
Rates 10 year 15 year
First Tier 6.375% 6.625%
* Rates are subject to change | Owner Occupied Refinance
Home Equity Line of Credit Apply Online Home Equity Line of Credit

HELOC Default Rate

APR as low as 8.50% (prime rate +0%)

To apply call please call 801-260-7600 Ext 5330

Contact us at homeequity@cypruscu.com

We will loan up to 100% of the property’s value based on the evaluation or appraisal, minus 1st mortgage balance. An appraisal may be required on CLTV's (Combined Loan to Value) above 80%. Call for more details.

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%.

 

Fixed Rate 2nd Mortgage
APR as low as Term
7.49% 10 years
7.99% 20 years

To apply call please call 801-260-7600 Ext 5330

Contact us at homeequity@cypruscu.com

Construction Loans Apply Online Construction Loans
Closing APR as low as Term
Two time close 6.375% Up to 12 months
One time close 6.750% 12 month construction period.

Call a Construction Loan Officer at 801-260-7600 Ext. 5340 for more information.

Contact us at construction@cypruscu.com

Improved Lot Loans
APR as low as Term LTV
6.74% 30/5 80%
6.99% 10 Year Fixed 80%

Call a Construction Loan Officer at 801-260-7600 Ext. 5340 for more information.

Contact us at construction@cypruscu.com


Prime interest rate = 8.50%
Historical Prime Rates

Rates as of 09/12/23, variable rates may change. Membership and eligibility required.
The products and services on this page are offered through LPL Financial or its affiliates by Registered Representatives of LPL Financial. These products and services are not credit union deposits, not credit union guaranteed, not insured by NCUA or any other government agency, and may lose value. Cyprus Credit Union is a separate entity and is not affiliated with LPL Financial.
Links from the Cyprus Credit Union web site to other web sites are provided solely as a convenience to visitors. If you use these links, you will leave the Cyprus Credit Union web site.

The Credit Union does not have any responsibility or control over any of these external web sites, their content or their privacy policies. We do not endorse or make any representations about third-party external web sites, including any information, products, materials or results that may be obtained from using them.

If you decide to access any of the linked third-party web sites, you do so entirely at your own risk. You are encouraged to review the privacy notice for each linked web site.
You are about to send an e-mail message to Cyprus Credit Union or to one of our partner associations.

 Please do not send any personal financial information via Email.

 E-mail transmission cannot be guaranteed to be secure and information
could be intercepted, lost, or contain viruses.