Loan Rates


Effective 10/02/2023

San Juan Mountains Credit Union's method for determining loan rates is based on Risk Base Lending. The actual rate charged will be determined using this method at the time a loan application is completed. Please use these rates only as a guide when you are estimating loan payments. Call (970) 249-5319 or (800) 301-5129 for the most current rates.

New and Used Auto

Year Term Max 100%¹
A Credit Tier
Max 100%¹
B Credit Tier
Max 80%¹
C Credit Tier
Max 75%¹
D Credit Tier
2024-2022 60 Months 6.25% APR* 7.25% APR* 11.50% APR* 16.25% APR*
2024-2022 72 Months 6.75% APR* 7.75% APR* 12.00% APR* 16.75% APR*
2021-2019 60 Months 6.75% APR* 7.75% APR* 12.00 APR* 16.75% APR
2021-2019 72 Months 7.25% APR* 8.25% APR* 12.50% APR* 17.25% APR*

Used Auto

Year Term Max 100%¹
A Credit Tier
Max 100%¹
B Credit Tier
Max 80%¹
C Credit Tier
Max 75%¹
D Credit Tier
2018 – Older 60 Months 7.25% APR* 8.25% APR* 12.50% APR* 17.25% APR*
2018 – Older 72 Months 7.75% APR* 8.75% APR* 13.00% APR* 17.75% APR*

¹Max calls include Tax, Title, License, D and H, and all Cancelable Back-End Product - will over allow for GAP only.
*APR is Annual Percentage Rate.


Motorcycles, ATVs, Snowmobiles, Personal Watercraft

Amount Term Max 100%1
A Credit Tier
Max 90%1
B Credit Tier
Max 75%1 C and
70%1 Max D Credit Tier
Up to $15,000 66 Months 7.25% APR* 8.25% APR* 12.25% and 16.25% APR*
$15,000 - $50,000 72 Months 8.25% APR* 9.25% APR*

¹Max calls include Tax, Title, License, DandH, and all Cancelable Back-End Product - will over allow for GAP only.
Other terms available depending on loan amount.

*APR is Annual Percentage Rate.


Personal Loans (Unsecured) - Effective 12/19/2022

Credit Tier Max Loan Amount Rate
A $15,000 10.00% APR*
B $7,500 12.00% APR*
C $5,000 17.00% APR*
D $2,500 19.00% APR*

Unsecured loans are for a maximum term of 60 months. Minimum payment amount $50.00
*APR is Annual Percentage Rate.