Deposit/Savings Rates

Premier Savings

Deposit AmountAPY*RateMinimum BalanceCompare to National Average
$100,000-$249,0002.75%2.72%$100,0001.15%
$250,000-$749,9993.00%2.96%$250,0001.15%
$750,000 and up3.25%3.20%$750,0001.15%
** 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 AmountAPY*RateMinimum BalanceComparison to National Average
1 mo Super CD**4.50%4.41%$5000.23%
6 mos CD4.25%4.17%$500
1.75%
1 year CD4.00%3.93%$5001.81%
2 year CD3.75%3.70%$5001.48%
3 year CD3.75%3.70%$5001.37%
5 year CD3.50%3.46%$5001.37%
Checking.00%.00%$25
0.00%
Savings/Shares.05%.05%$250.03%
IRA Savings1.00%1.00%$5000.64%
* 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.
** 1 month Super CD allows you to add to the CD 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 AmountAPY*RateMinimum BalanceCompare to National Average
$100-$999.05%.05%$1000.03%
$1000-$24,9991.10%1.09%$10000.10%
$25,000-$99,0001.30%1.29%$25,0000.61%
$100,000-$199,0002.00%1.98%$100,0000.61%
$200,000 +2.75%2.72%$200,0000.61%
* 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.

IRA Interest Rates (Individual Retirement Accounts - Traditional and Roth)

Deposit AmountAPY*RateMinimum BalanceComparison to National Average
6 mos IRA CD4.25%4.41%$500
1.75%
1 year IRA CD4.00%3.93%$5001.81%
2 year IRA CD3.75%3.70%$5001.48%
3 year IRA CD3.75%3.70%$5001.37%
5 year IRA CD3.50%3.46%$5001.37%
IRA Savings1.00%1.00%$5000.10%
* Annual Percentage Yield. IRA 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.

Loan Rates

Special Purchase Auto Loans - 0-5 Years Old

TermA+ >740A 690-739B 660-689
24 - 60 months5.99%6.24%6.49%
726.24%6.49%6.74%
846.99%7.24%7.49%
* Purchases only. Limited Time. Refi allowed if dealer purchase agreement is less than 30 days old. No other rate discounts allowed to add on.
**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 $19.32 per $1000.00 borrowed. Membership required-based on eligibility.

New Auto Loans - 0-2 Years Old

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
24 - 60 months6.49%6.74%6.99%10.24%18.00%18.00%
726.74%6.99%7.24%10.49%18.00%18.00%
847.49%7.74%7.99%11.24%18.00%18.00%
968.49%8.99%9.49%12.49%18.00%18.00%
120 Month Term Limited Time Special***
120 months
7.99%8.24%8.49%
*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 months6.49%
6.74%6.99%
10.24%18.00%18.00%
606.74%6.99%7.24%10.49%18.00%18.00%
726.99%7.24%7.49%10.74%18.00%18.00%
847.74%7.99%8.24%11.74%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 months7.99%8.49%10.24%12.99%18.00%18.00%
488.24%8.74%10.49%13.49%18.00%18.00%
608.49%8.99%10.74%13.99%18.00%18.00%
728.99%9.49%11.24%14.74%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 months8.49%8.74%9.24%12.24%18.00%18.00%
728.74%8.99%9.49%12.49%18.00%18.00%
848.99%9.24%9.74%12.74%18.00%18.00%
969.24%9.49%10.24%12.99%18.00%18.00%
1209.49%9.74%10.74%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. 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.

Share/CD Secured Loans

TermAll Credit Scores
12-605.75%
61-845.75%
85-1206.75%
120-1447.25%
144-1807.75%
*Rates are APR (Annual Percentage Rates).

Mortgage Loan Rates

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%12.49%18.00%18.00%
728.74%9.24%10.24%12.74%18.00%18.00%
848.74%9.24%10.24%12.74%18.00%18.00%
1208.99%9.49%10.49%12.99%18.00%18.00%
1449.49%9.99%10.99%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.

Home Equity Line of Credit**

Term|LTVAPR* - A+ >740APR - A 690-739APR - B 660-689
Revolving|80% or less8.25%8.75%
10.75%
Revolving|80-90%8.49%9.00%11.2
5%
Effective DateOctober 1, 2024
*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 asAs 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
VISA truth in lending disclosure

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