*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. Speak with a JCU Relationship Representative for more details.
**Limited Credit loans include applicants with no credit score or limited credit history. Additional requirements and limitations apply. Contact a JCU relationship representative for more details.
Rates Updated October 1, 2024.

* 5 year – under $85,000.

15 year 5.625% based on loan amount $110K, 20 year 6.0% based on loan amount at 200K, 30 year 6.5% based on loan amount at 200K.

Rates and terms are accurate as of October 1, 2024 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.

Example:
A $100,000 loan approved at 80% of value would require a down payment of $20,000. The minimum payment for a $80,000 loan with a 5.875% APR and 12-year term is $775.51
A $240,000.00 loan approved at 80% of value would require a down payment of $48,000. The minimum payment for a $192,000 loan with a 6.5% APR and a 30-year term is $1,245.31.

Terms subject to change without notice and are based on Approved Credit. Payment estimates include payment protection. Rates shown above are for members with exceptional credit scores. Ask for details. Loan rates updated October 1, 2024.

^On approved credit. For Personal Accounts only. APY = Annual Percentage Yield. Fees could reduce earnings. Dividends are credited monthly. The Dividend Rate and Annual Percentage Yield may change monthly for Checking Accounts. Rates and terms are accurate as of October 1, 2024 and are subject to change.

^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, 2024, and are subject to change.

^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, 2024, and are subject to change.

Early withdrawals from Regular and IRA Term Deposits are subject to fees and penalties that may reduce the earnings or the principal of the Term Deposit.

Early withdrawals from Certificate Accounts are subject to fees and penalties that may reduce the earnings or the principal of the Certificate. Interest is paid semiannually. * APY = Annual Percentage Yield.