Deposit/Savings Rates

Deposit Rates

Deposit AmountAPY*RateMinimum BalanceComparison-National Avg.
Checking.00%.00%$25
0.00%
Savings/Shares.10%.10%$250.07%
IRA.40%.40%$10000.11%
6 mos CD0.50%0.50%$10000.30%
1 year CD0.60%0.60%$10000.33%
2 year CD0.90%0.90%$10000.45%
3 year CD1.10%1.10%$10000.60%
5 year CD1.35%1.35%$10000.90%
* 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 AmountRateAPY*Minimum Balance
$100-$999.10%.10%$100
$1000-$24,999.15%.15%$1000
$25,000-$99,000.20%.20%$25,000
$100,000-$199,000.25%.25%$100,000
$200,000 +.30%.30%$200,000
* 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. The is no early withdrawal penalty on a Money Market Account.

Loan Rates

New Auto Loans - 0-2 Years Old

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
24 & 36
3.99%4.25%4.75%
7.25%13.99%16.50%
483.99%4.25%4.75%7.25%13.99%16.50%
603.99%4.25%4.75%7.25%13.99%16.75%
724.25%4.50%5.25%7.99%14.50%17.50%
844.75%5.25%6.25%8.75%14.99%18.50%
965.50%5.99%7.50%9.50%15.75%19.25%
*Rates are APR (Annual Percentage Rates) and our best rates. Your rate may be higher and is based on your credit worthiness. At 4.25% APR payment for 60 month are $18.53 per $1000.00 borrowed. Membership required-based on eligibility.

Auto Loans 3-7 Years Old

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
244.25%4.50%4.99%
7.40%14.75%17.50%
364.25%4.50%4.99%7.40%14.75%17.50%
484.25%4.50%4.99%7.40%14.75%17.50%
604.25%4.50%4.99%7.75%14.75%17.75%
724.50%4.75%5.75%8.40%15.25%18.50%
844.75%5.25%6.50%9.50%15.99%19.50%
*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
246.75%7.25%9.00%
10.99%19.75%23.50%
366.75%7.25%9.00%10.99%19.75%23.50%
486.75%7.25%9.15%10.99%19.75%23.50%
607.35%7.75%9.25%11.50%20.25%23.75%
727.90%8.30%9.99%11.99%20.75%24.50%
*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 5.25%5.65%6.85%8.75%15.75%18.50%
365.25%5.65%6.85%8.75%15.75%18.50%
485.25%5.65%6.85%8.75%15.75%18.50%
605.25%5.65%6.85%8.75%15.75%18.50%
725.40%5.90%7.35%9.40%16.25%19.25%
845.50%6.25%7.85%9.99%16.75%19.99%
1205.99%6.50%8.85%10.50%17.50%20.75%
1206.25%6.99%9.15%10.99%18.25%21.50%
*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.

Lifestyle/Signature Loans

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
1210.25%13.75%
14.25%16.99%25.99%27.99%
2410.25%13.75%14.25%16.99%25.99%27.99%
3610.25%13.75%14.25%16.99%25.99%27.99%
4810.25%13.99%14.60%17.25%26.25%27.99%
6010.75%14.15%14.90%17.40%26.50%28.25%
*Rates are APR (Annual Percentage Rates) and our best rates. Your rate may be higher and is based on your credit worthiness.

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
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

TermA+ >740A 690-739B 660-689C 620-659D 600-619<600
24-485.50%5.99%
6.50%8.75%15.75%18.50%
605.50%5.99%6.85%8.99%15.75%18.75%
725.75%6.25%7.40%9.99%16.25%19.25%
845.99%6.60%8.10%10.25%16.75%19.99%
1206.50%6.90%8.50%10.50%17.25%20.75%
1446.99%7.40%8.85%10.99%17.75%21.50%
*Rates are APR (Annual Percentage Rates) and our best rates. Your rate may be higher and is based on your credit worthiness. Rates are effective as of January 1, 2020.

Home Equity Line of Credit

Term|LTVA+ >740A 690-739B 660-689
Revolving|80% or less3.75%4.00%
6,00%
Revolving|80-90%3.75%4.25%6.25%
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.

VISA Rates

As low asAs high as...
Depending on your credit.
9.49%24.90%
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