Rates – Desert River Credit Union

Deposit/Savings Rates

Premier Savings

Deposit Amount	APY*	Rate	Minimum Balance	Compare to National Average
$100,000-$249,000	3.25%	3.21%	$100,000	0.38%
$250,000-$749,999	3.30%	3.26%	$250,000	0.38%
$750,000 and up	3.40%	3.36%	$750,000	0.38%

** Annual Percentage Yield. Interest is paid monthly on the average daily balance. No interest is paid if the balance falls below $100,000 anytime during the month. If the balance falls below $100,000 there is a $25 service fee.

Deposit Rates

Deposit Amount	APY*	Rate	Minimum Balance	Comparison to National Average
6 mos CD	2.75%	2.72%	$500	0.65%
1 year CD	4.25%	4.18%	$500	1.07%
2 year CD	4.75%	4.67%	$500	0.77%
3 year CD	4.75%	4.67%	$500	0.77%
5 year CD	4.00%	3.95%	$500	0.83%
Checking	.00%	.00%	$25	0.00%
Savings/Shares	.05%	.05%	$25	0.03%
IRA	1.00%	1.00%	$500	0.10%

* Annual Percentage Yield. On all savings accounts, other than CDs (Savings Certificates or Certificate of Deposits), the rates above are the dividend rates declared at the end of the last quarter by the Board of Directors. Dividends are paid quarterly and are subject to change at any time.
Savings certificates are subject to Early Withdrawal Penalties as follows:
6 Month Certificate: 90 days of dividend earned if withdrawal is 90 days or more from the date of purchase. If withdrawal is less than 90 days from the date of purchase, the penalty will be the amount earned to date.
12-36 Month Certificate: 180 days of dividend earned if withdrawal is 180 days or more from the date of purchase. If withdrawal is less than 180 days from the date of purchase, the penalty will be the amount earned to date.
48-60 Month Certificate: 365 days of dividend earned if withdrawal is 365 days or more from the date of purchase. If withdrawal is less than 365 days from the date of purchase, the penalty will be the amount earned to date.
How the Penalty Works: The penalty is calculated as a forfeiture of part or all of the dividend that has been earned.

Exceptions to Early Withdrawal Penalties: At our option, we may pay the account before maturity without imposing an early withdrawal penalty if the account owner dies.

Money Market Interest Rates

Deposit Amount	APY*	Rate	Minimum Balance	Compare to National Average
$100-$999	.05%	.05%	$100	0.03%
$1000-$24,999	1.60%	1.59%	$1000	0.10%
$25,000-$99,000	1.90%	1.89%	$25,000	0.38%
$100,000-$199,000	2.75%	2.72%	$100,000	0.38%
$200,000 +	3.25%	3.21%	$200,000	0.38%

* Annual Percentage Yield. On Money Market Accounts the rates above are the dividends declared at the end of the last quarter by the Board of Directors. Dividends are paid quarterly and are subject to change at any time. There is no early withdrawal penalty on a Money Market Account.

Loan Rates

New Auto Loans - 0-2 Years Old

Term	A+ >740	A 690-739	B 660-689	C 620-659	D 600-619	<600
24 - 60 months	6.49%	6.74%	6.99%	9.49%	18.00%	18.00%
72	6.74%	6.99%	7.24%	9.74%	18.00%	18.00%
84	7.24%	7.49%	7.74%	10.24%	18.00%	18.00%
96	7.75%	8.25%	8.75%	11.25%	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 5.99% APR payment for 60 month are $19.23 per $1000.00 borrowed. Membership required-based on eligibility.

Auto Loans 3-7 Years Old

Term	A+ >740	A 690-739	B 660-689	C 620-659	D 600-619	<600
24 - 48 months	6.49%	6.74%	6.99%	9.49%	18.00%	18.00%
60	6.74%	6.99%	7.24%	9.74%	18.00%	18.00%
72	6.99%	7.24%	7.49%	9.99%	18.00%	18.00%
84	7.74%	7.99%	8.24%	11.24%	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

Term	A+ >740	A 690-739	B 660-689	C 620-659	D 600-619	<600
24 - 36 months	7.74%	8.24%	9.99%	11.99%	18.00%	18.00%
48	7.99%	8.49%	10.24%	12.49%	18.00%	18.00%
60	8.24%	8.74%	10.49%	12.99%	18.00%	18.00%
72	8.74%	9.24%	10.99%	13.49%	18.00%	18.00%

*Rates are APR (Annual Percentage Rates). Your rate may be higher and is based on your credit worthiness.

RV Loans

Term	A+ >740	A 690-739	B 660-689	C 620-659	D 600-619	<600
24 - 60 months	7.99%	8.24%	8.74%	10.49%	18.00%	18.00%
72	8.24%	8.49%	8.99%	10.74%	18.00%	18.00%
84	8.24%	8.49%	8.99%	10.99%	18.00%	18.00%
96	8.49%	8.74%	9.49%	11.24%	18.00%	18.00%
120	8.74%	8.99%	9.99%	11.74%	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. At 5.25%% APR payment for 60 month are $18.99 per $1000.00 borrowed. Membership required-based on eligibility.

Signature/Lifestyle Loans

Term	A+ >740	A 690-739	B 660-689	C 620-659	D 600-619	<600
12-36	11.24%	14.74%	15.49%	18.00%	18.00%	18.00%
48	11.49%	14.99%	15.74%	18.00%	18.00%	18.00%
60	11.74%	15.24%	15.99%	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.

Share/CD Secured Loans

Term	All Credit Scores
12-60	6.00%
61-84	6.25%
85-120	7.00%
120-144	7.50%
144-180	8.00%

*Rates are APR (Annual Percentage Rates).

Mortgage Loan Rates

Mortgage Loans

Term
10 Years	Click below for a rate quote.
15 Years	Click below for a rate quote.
20 Years	Click below for a rate quote.
30 Years	Click below for a rate quote.

*The APR (Annual Percentage Rate) on the above rates is higher and depends on closing costs
The following APR is an example of a 15 year fixed rate mortgage and assumes the purpose of the loan is to purchase an owner occupied home in Utah, with a loan to value at 80% or less. (No cash out is allowed at this rate). At a 4.50% interest rate the origination costs and loan fees would be $2945 and the APR would be 4.72%. The monthly payments on a $200,000 home would be $1529.99. ($7.717 per $1000 borrowed). This payment includes principal and interest only.
Your rate may be higher depending on credit worthiness. Get an official “good faith estimate” before choosing a loan. Membership required-based on eligibility.

Mortgage Rate Quote

Manufactured Homes

Term	A+ >740	A 690-739	B 660-689	C 620-659	D 600-619	<600
24 - 60 months	7.99%	8.49%	9.49%	11.49%	18.00%	18.00%
72	8.24%	8.74%	9.74%	11.74%	18.00%	18.00%
84	8.24%	8.74%	9.74%	11.74%	18.00%	18.00%
120	8.49%	8.99%	9.99%	11.99%	18.00%	18.00%
144	8.99%	9.49%	10.49%	12.49%	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\|LTV	APR* - A+ >740	APR - A 690-739	APR - B 660-689
Revolving\|80% or less	7.25%	8.25%	10.25%
Revolving\|80-90%	7.99%	8.50%	10.75%
Effective Date	January 1, 2023

*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.”

**Variable Rate Loans

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.”

VISA Rates

As low as	As high as... Depending on your credit.
9.49%	18.00%

Rates are APR (Annual Percentage Rates) and the rates listed are our best rates. Your rate may be higher depending on credit worthiness. See Truth in Lending Disclosure below