Loan Rates

Effective 12/16/2024

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
  

  2025-2023
    60 Months
    5.50% APR*
    6.50% APR*
    11.25% APR*
    16.00% APR*
  
2025-2023
    72 Months
    6.00% APR*
    7.00% APR*
    11.75% APR*
    16.50% APR*
   

  2022-2020
    60 Months
    6.00% APR*
    7.00% APR*
    11.75 APR*
    16.50% APR
  

  2022-2020
    72 Months
    6.50% APR*
    7.50% APR*
    12.25% APR*
    17.00% APR*
  
00

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
  

  2019 – Older
    60 Months
    6.50% APR*
    7.50% APR*
    12.25% APR*
    17.00% APR*
  

  2019 – Older
    72 Months
    7.00% APR*
    7.50% APR*
    12.75% APR*
    17.50% 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
    7.00% APR*
    8.00% APR*
    12.00% and 16.00% APR*
  

  $15,000 - $50,000
    72 Months
    8.00% APR*
    9.00% 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
    9.75% APR*
  
B
    $7,500
    11.75% APR*
   

  C
    $5,000
    16.75% APR*
  

  D
    $2,500
    18.75% APR*
  

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