New Auto Loans - 0-2 Years Old

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
24 - 60 months5.49%5.84%6.09%9.49%18.00%18.00%
725.74%6.09%6.34%9.74%18.00%18.00%
846.49%6.84%7.09%10.49%18.00%18.00%
967.49%7.99%8.49%11.74%18.00%18.00%
120 Month Term Limited Time Special***
120 months
7.49%7.99%8.24%
*Rates are APR (Annual Percentage Rates) and our best rates. Your rate may be higher and is based on your credit worthiness. At 6.49% APR payment for 60 month are $19.56 per $1000.00 borrowed. Membership required-based on eligibility.
**On Purchased Vehicles 0-4 years old only.
LTV plus GAP and Warranty within guidelines
-9 year term at $30,000 minimum
-10 year at $40,000 minimum

Auto Loans 3-7 Years Old

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
24 - 48 months5.49%
5.84%6.09%
9.49%18.00%18.00%
605.74%6.09%6.34%9.74%18.00%18.00%
725.99%6.34%6.59%9.99%18.00%18.00%
846.74%7.09%7.34%10.99%18.00%18.00%
*Rates are APR (Annual Percentage Rates). Your rate may be higher and is based on your credit worthiness.

Auto Loans 8+ Years Old

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
24 - 36 months7.49%7.99%9.74%12.49%18.00%18.00%
487.74%8.24%9.99%12.99%18.00%18.00%
607.99%8.49%10.24%13.49%18.00%18.00%
728.49%8.99%10.74%14.24%18.00%18.00%
*Rates are APR (Annual Percentage Rates). Your rate may be higher and is based on your credit worthiness.

RV Loans

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
24 - 60 months7.75%8.10%8.50%11.50%18.00%18.00%
728.24%8.59%8.99%11.99%18.00%18.00%
848.49%8.84%9.24%12.24%18.00%18.00%
968.74%9.09%9.74%12.49%18.00%18.00%
1208.99%9.34%10.24%13.24%18.00%18.00%
*Rates are APR (Annual Percentage Rates) and our best rates. Your rate may be higher and is based on your credit worthiness. At 8.49%% APR payment for 60 month is $20.51 per $1000.00 borrowed. Membership required-based on eligibility.

Signature/Lifestyle Loans

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
12-3612.74%16.24%16.99%18.00%18.00%18.00%
4812.99%16.49%17.24%18.00%18.00%18.00%
6013.24%16.74%17.49%18.00%18.00%18.00%
*Rates are APR (Annual Percentage Rates) and our best rates. Your rate may be higher and is based on your credit worthiness.

Mortgage Loans

Term
10 YearsClick below for a rate quote.**
15 YearsClick below for a rate quote.
20 YearsClick below for a rate quote.
30 YearsClick below for a rate quote.
*The APR (Annual Percentage Rate) on the above rates is higher and depends on closing costs
Get an official “good faith estimate” before choosing a loan. Membership required-based on eligibility.
**Get a rate quote below or at desertriverscu.com/loans/#mortgage

Mortgage Rate Quote

Manufactured Homes

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
24 - 60 months8.49%8.99%9.99%12.74%18.00%18.00%
728.74%9.24%10.24%12.99%18.00%18.00%
848.74%9.24%10.24%12.99%18.00%18.00%
1208.99%9.49%10.49%12.74%18.00%18.00%
1449.49%9.99%10.99%13.74%18.00%18.00%
*Rates are APR (Annual Percentage Rates) and our best rates. Your rate may be higher and is based on your credit worthiness.

Home Equity Line of Credit**

Term|LTVAPR* - A+ >740APR - A 690-739APR - B 660-689
Revolving|80% or less7.50%8.00%
10.00%
Revolving|80-90%7.74%8.25%11.50%
Effective DateOctober 1, 2025
*Rates are APR (Annual Percentage Rates) and the rates listed are our best rates. Your rate may be higher depending on credit worthiness. The rate is variable and the maximum rate is 18.00% APR.
Rate is for owner occupied Utah homes and requires homeowner’s insurance. Membership required-based on eligibility.
**Home Equity Line of Credit (HELOC) is a variable rate loan. The index is based on the “U.S. Prime Rate” as listed in the Money Section of the Wall Street Journal on the the last day of the month plus a margin to be disclosed in your closing documents. Any interest rate increase will result in more payment of the same amount until the amount owed has been repaid.”

NCUA Logo

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

More information.

Equal Housing Lending logo

Desert Rivers Credit Union is an Equal Housing Lender.

More information