Loan Rates

Effective July 22nd, 2019

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
  

  2019-2018
    66 Months
    4.25% APR*
    5.25% APR*
    9.75% APR*
    14.50% APR*
  
2019-2018
    72 Months
    5.25% APR*
    6.25% APR*
    10.75% APR*
    15.50% APR*
   

  2017-2015
    66 Months
    4.50% APR*
    5.50% APR*
    10.00% APR*
    14.75% APR*
  

  2017-2015
    72 Months
    5.50% APR*
    6.50% APR*
    11.00% APR*
    15.75% 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
  

  2014 – Older
    66 Months
    5.25% APR*
    6.25% APR*
    10.75% APR*
    15.50% APR*
  

  2014 – Older
    72 Months
    6.25% APR*
    7.25% APR*
    11.75% APR*
    16.50% 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
    6.25% APR*
    7.25% APR*
    11.25% and 15.25% APR*
  

  Over $15,000
    72 Months
    7.25% APR*
    8.25% APR*
    12.25% APR*
  

  $50,000-$75,000
    84-120 Months
    8.25% APR*
    9.25% APR*
    13.25% 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)

  
  Credit Tier
    Max Loan Amount
    Rate
 
  

  A
    $15,000
    9.50% APR*
  
B
    $7,500
    11.50% APR*
   

  C
    $5,000
    17.50% APR*
  

  D
    $2,500
    19.50% APR*
  

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

Online Banking