Loan Rates
Auto Loan Rates
Auto loan rates start as low as 5.44% APR! Whether you're purchasing a new or used vehicle or looking to refinance your current loan from another financial institution, we’ve got you covered. Take advantage of our competitive rates and rely on our local experts to guide you every step of the way. Hit the road with confidence—apply for your new auto loan today!
Rates Reflect 0.25% Discount for Active Rewards Checking.
Click here to learn more.
Annual Percentage Rates (APR) subject to change without notice and are based on approved credit. Rates shown above are our best rates available on new/used vehicle purchases and on refinanced loans from other financial institutions. Your rate may be higher based on credit history, eligibility and underwriting criteria. Rate includes 0.25% rate discount for active JCU reward checking accounts. The 0.25% checking discount started January 6, 2025. Speak with a JCU Relationship Representative for more details. ^Monthly payment estimates per $1,000 borrowed. Estimate includes payment protection. **Limited Credit loans include applicants with no credit score or limited credit history. Additional requirements and limitations apply. Speak with a JCU Relationship Representative for more details. Rates updated as of October 14, 2025.
48 MONTH
5.44%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $22.80.
60 MONTH
5.44%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $18.64.
72 MONTH
5.74%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $16.45.
84 MONTH
6.24%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $14.72.
VISA Credit Cards
Are you looking for an amazing rate or a worthwhile rewards program? We have credit cards with extremely low, fixed rates. We also have one of the best rewards programs you’ll find on an extremely low variable rate. Get rewards you’ll love, such as cashback, gift cards, travel discounts, and more! Plus, you’ll save money with low variable rates and no yearly maintenance fee.
*Annual Percentage Rate (APR) accurate as of 10/14/25. On approved credit. Transactions fees such as foreign fees (1% of the transaction in USD), late payment fees, or other account fees may apply. Points earned for qualifying transactions at one point per one dollar on Platinum+ Rewards VISA Credit Cards. Total points are based on the total transaction amount, with total points rounding to the nearest dollar. Some transaction types may not be eligible for point accrual. Points expire 48 months from the date earned. 10,000 bonus points are awarded after the first purchase made between 2 and 60 business days after card activation. Visit JCU Rewards in Online Banking to view the rewards catalog. No annual fee. Your interest rate will be based upon creditworthiness. APR will vary with the market based on the Prime Rate and subject to change without notice. The maximum interest rate over the life of the loan is 18%. Membership eligibility required.
Platinum VISA
11.99%
APR OAC*
Lowest interest. 28 day grace period. No balance transfer fee. Cash advances okay. No annual fee.
Platinum+ Rewards VISA
12.74%
APR OAC*
Lowest interest. 28 day grace period. No balance transfer fee. Cash advances okay. No annual fee.
Get 10,000 Starting Rewards Points.
Mortgage Rates
Don’t wait any longer to start your American dream with the purchase of a new home. Jordan Credit Union offers many options to buy a home in Utah. Mortgages starting at 5.99% (6.106% APR) for 30 years.*
* 5 year – under $85,000. ***APR = Annual Percentage Rate. 5 Year 5.375 based on 85,000 80% LTV, 15 year 5.5% based on loan amount 320K 80% LTV, 20 year 5.875% based on loan amount at 320K 80% LTV, 30 year 5.99% based on loan amount at 320K 80% LTV. Rates and terms are accurate as of October 22, 2025 and are subject to change. The rates listed above are our best rates. Your rate may be higher depending on underwriting criteria. The rate-lock period is 30 days and the assumed credit score is 740. Actual rates, fees, and APRs may vary based on these and other factors. Loans approved above 80% LTV may require mortgage insurance, which could increase your monthly payment. These payment examples do not include taxes and insurance. The monthly obligation will be determined by the total loan amount at the time of closing and the term and interest rate of the loan. The information provided is for a fixed mortgage and assumes the purpose of the loan is to purchase a primary residence, single-family dwelling in Utah.
5 Year Mortgage
5.375%
6.138% APR OAC*
15 Year Mortgage
5.5%
5.768% APR OAC*
20 Year Mortgage
5.875%
6.027% APR OAC*
30 Year Mortgage
5.99%
6.106% APR OAC*
Home Equity Loans Rates
Have you considered the benefits of consolidating credit card debt? Or does your kitchen need a remodel? Maybe your house could use some new carpet, a fresh coat of paint, or even a new deck. Confused on whether a Home Equity Loan or Home Equity Line of Credit (HELOC) is the better loan for you? It depends on why you’re borrowing.
*Valid through 12/31/2025. $20,000 minimum loan amount. Fees may include, but are not limited to, the following: origination fees, CC&R for homes with an HOA or in a PUD $100-$175, flood, underwriting, and title fees. All dollar figures are estimates and may vary. Additional fees may be required. The introductory 3.99% APR is for the first six months after loan closing. After six months, the introductory rate will convert back to the Variable Annual Percentage Rate (APR) based on the Prime Rate, ranging from 4% APR to 15.00% APR based on credit worthiness. Some restrictions may apply. APR (Annual Percentage Rate) as low as 7.25% as of 10/14/2025 and may increase up to 2% per quarter, not to exceed 15%. Variable Rate may change without notice. NMLS #402456 **The Annual Percentage Rates (APRs) shown are available to well-qualified borrowers. Rates effective 9/17/25. Rates are subject to change without notice. Rates are based on Home Equity Fixed Rate Loans up to $250,000, loan-to-value (LTV) ratio of 80% or less, and a debt-to-income ratio of 42% or less. For real estate secured products, property insurance is required and flood insurance may be required. Your actual APR will be determined by the amount of your loan, loan-to-value and lien position if applicable, repayment term, and a review of your credit. APRs are accurate when accessed and are subject to change without notice.
HELOC Introductory Rate
3.99%
APR OAC*
After six months, the introductory rate will convert to the Variable Rate
HELOC Variable Rate
7.25%
APR OAC*
60 Month Fixed Rate
7.24%
APR OAC**
84 Month Fixed Rate
7.24%
APR OAC**
120 Month Fixed Rate
7.49%
APR OAC**
180 Month Fixed Rate
7.69%
APR OAC**
Motorcycle/ATV Loan Rates
Motorcycle and ATV loan rates start as low as 6.99% APR! With affordable financing options, we help you purchase new or used motorcycles, dirt bikes, side-by-sides, and ATVs—so you can enjoy the freedom of the ride without draining your savings.
Rates Reflect 0.25% Discount for Active Rewards Checking.
Click here to learn more.
*Annual Percentage Rates (APR) are subject to change without notice and are based on approved credit. Rates shown above are our best rates available on new/used small recreational vehicle purchases and refinanced loans from other financial institutions. Your rate may be higher based on credit history, eligibility, and underwriting criteria. Speak with a JCU Relationship Representative for more details. ^Monthly payment estimates per $1000 borrowed. Estimate includes payment protection. Rates updated October 14, 2025.
60 MONTH
6.99%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $19.80.
72 MONTH
7.14%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $17.12.
84 MONTH
7.29%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $15.23.
Trailer, Boat, and RV Loan Rates
Jordan Credit Union has you covered with financing for campers, utility trailers, and boats. With low, competitive rates on both new and used trailers, we make it easy to hit the road, haul with ease, or launch into adventure with your home away from home.
Rates Reflect 0.25% Discount for Active Rewards Checking.
Click here to learn more.
*Annual Percentage Rates (APR) are subject to change without notice and are based on approved credit. Rates shown above are our best rates available on new/used small recreational vehicle purchases and refinanced loans from other financial institutions. Your rate may be higher based on credit history, eligibility, and underwriting criteria. Speak with a JCU Relationship Representative for more details. ^Monthly payment estimates per $1000 borrowed. Estimate includes payment protection. Rates updated October 14, 2025.
60-72 MONTH
7.99%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $19.80.
73-96 MONTH
8.24%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $15.23.
97-180 MONTH
8.74%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $10.67.
Personal Loan Rates
Cover your immediate needs with a personal loan from Jordan Credit Union starting at 11.99%. Whether you need some emergency cash, a new appliance, or need to consolidate some bills quickly, taking advantage of a Personal loan may be a good idea for you.
*APR = Annual Percentage Rate. On approved credit. Rates subject to change without notice and are based on Approved Credit. Rates shown above are for members with exceptional credit scores. Loan subject to credit approval and other terms/conditions. Rates are based on Prime as published in the Wall Street Journal and subject to change. Payment estimates include payment protection. Contact us for details. ^Monthly payment estimates per $1,000 includes payment protection. Rates updated: Sept 17, 2025
<24 MONTH
11.99%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $48.49.
36 MONTH
12.24%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $34.69.
48 MONTH
12.49%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $27.93.
60 MONTH
12.74%
APR OAC*
Estimated monthly payment per $1,000 borrowed is approximately $23.99.
Deposit Rates
Regular Share Savings
Elite Checking
Elite Checking is the perfect fit for you if you are a savvy saver and tend to carry a significant balance. You can earn up to 2.00% APY* on your monthly checking account balance! We’ll also reimburse you up to $20 in ATM fees each month. Just complete three easy qualifications each qualifying cycle to earn the interest reward.
*Annual Percentage Yield (APY) accurate as of 10/1/25. On approved credit. For personal accounts only. All qualifications must be achieved during the qualification cycle to earn 2.00% APY. For Personal accounts only (1 account per SSN). ATM refunds of up to $20 are provided as long as qualifications are met during the qualification cycle. All qualification transactions on the account must be posted and cleared during the qualification cycle, which could take anywhere from, but not limited to, 1-5 business days to post to an account from the date the transaction is made (ATM withdrawals or transactions do not qualify). “Qualification cycle” means a period beginning one day prior to the first day of the current statement cycle through one day prior to the close of the current statement cycle. Rates are subject to change. Fees may reduce earnings. Elite Checking: 2.00% APY applies to balances of $0.00-$10,000, 0.25% APY applies to balances over $10,000, and 0.05% APY applies if you don’t meet any qualifications.
$0-$10,000 Balance
2.00%
APY*
Up to $20/mo. Requires: e*Statements, one ACH post and clear, and ten debit card purchases post and clear*
Above $10,000 Balance
0.25%
APY*
Up to $20/mo. Requires: e*Statements, one ACH post and clear, and ten debit card purchases post and clear*
Money Market Deposit Account (MMDA)
If you are looking to save long term, but also want accessibility in case of an emergency, then a Money Market Deposit Account may be for you. It just requires $2,500 to start. Money Market Deposit Accounts (MMDA) provide unique benefits for members who maintain a high balance in their MMDA account but want the ability to access the funds regularly.
^APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change monthly for Money Market Deposit accounts. Rates and terms are accurate as of October 1, 2025, and are subject to change.
Balance Range
< $2,499
0.10%
APY*
Dividend Rate: 0.10%
Balance Range
$2,500-$9,999
0.75%
APY*
Dividend Rate: 0.75%
Balance Range
$10,000-$19,999
1.00%
APY*
Dividend Rate: 1.00%
Balance Range
$20,000-$49,999
1.25%
APY*
Dividend Rate: 1.24%
Balance Range
$50,000-$99,999
2.00%
APY*
Dividend Rate: 1.99%
Balance Range
$100,000 <
2.40%
APY*
Dividend Rate: 2.38%
Elite Money Market Deposit Account (EMMDA)
Elite Money Market Deposit Accounts (EMMDA) provide higher interest for those that don’t need to use the money immediately, but would still like a more fluid option than a certificate account.
^APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited quarterly. The Dividend Rate and Annual Percentage Yield may change monthly for Money Market Deposit accounts. Rates and terms are accurate as of October 1, 2025, and are subject to change.
Balance Range
< $19,999
1.00%
APY*
Dividend Rate: 1.00%
Balance Range
$20,000-$49,999
1.50%
APY*
Dividend Rate: 1.49%
Balance Range
$50,000-$99,999
2.00%
APY*
Dividend Rate: 1.99%
Balance Range
$100,000-$249,999
3.00%
APY*
Dividend Rate: 2.97%
Balance Range
$250,000-$999,999
3.25%
APY*
Dividend Rate: 3.21%
Balance Range
$1,000,000 <
3.85%
APY*
Dividend Rate: 3.80%
Certificate Account
Are you looking for a smart and secure way to make your savings work for you? Look no further than a JCU Certificate Account. Whether you have short-term or long-term savings goals, our Certificate Accounts are designed to help you reach them while keeping risk to a minimum. Certificates are a conservative investment option, making them attractive for those who are willing to lock in their funds for a set period of time.
Early withdrawals from Certificate Accounts are subject to fees and penalties that may reduce the earnings or the principal of the Certificate. Dividends are paid monthly. * APY = Annual Percentage Yield.
6 Month
4.15% APY*
Dividend Rate: 4.07%
Minimum $500
12 Month
4.10%
APY*
Dividend Rate: 4.03%
Minimum $500
18 Month
4.10%
APY*
Dividend Rate: 4.03%
Minimum $500
24 Month
4.20%
APY*
Dividend Rate: 4.12%
Minimum $500
36 Month
4.10%
APY*
Dividend Rate: 4.03%
Minimum $500
48 Month
4.15%
APY*
Dividend Rate: 4.07%
Minimum $500
60 Month
4.15%
APY*
Dividend Rate: 4.07%
Minimum $500
Growth Certificate Account
A Growth Certificate Account is a savings product that allows you to add funds over time, unlike a regular Certificate Account where you make a one-time deposit. This makes it better for incrementally saving towards a goal while locking in a great rate. Once your Growth Certificate is open, you can keep adding to it at any time, with total deposits up to $100,000. Get started with just $100 at account opening.
*Early withdrawals from Certificate Accounts are subject to fees and penalties that may reduce the earnings or the principal of the Certificate. Dividends are paid monthly. * APY = Annual Percentage Yield. As of October 23, 2025. Fees may reduce earnings on the account. After the certificate is opened, additional deposits can be made to the certificate at any time with a maximum of $100,000 of cumulative Growth CertificateTM deposits per primary account holder. A deposit of at least $100 is set up at account opening.
12 Month
4.10%
APY*
Dividend Rate: 4.03%
Minimum $100
24 Month
4.20%
APY*
Dividend Rate: 4.12%
Minimum $100
