Loan Rates
Rates Effective June 1, 2025
| LOAN TYPE AND TERM | ANNUAL PERCENTAGE RATE* |
|---|---|
| New Auto (Up to36 Months) | As Low As 5.29% |
| New Auto (37-48 Months) | As Low As 5.59% |
| New Auto (49-66 Months) | As Low As 5.79% |
| New Auto (67-75 Months) | As Low As 6.19% |
| New Auto (76-84 Months) | As Low As 6.59% |
| Used Auto (2020-2024) | Same as new auto |
| Used Auto (2016-2019) | As Low As 6.29% |
| Used Auto (2015 and older) | As Low As 6.79% |
| New & Used | *APR – As Low As |
|---|---|
| 36 Months | 6.29% |
| 48 Months | 6.79% |
| 66 Months | 6.99% |
| 75 Months | 7.29% |
| 84 Months | 7.59% |
| 96 Months | 7.79% |
| Term | *APR – As Low As |
|---|---|
| Up to 60 Months | 9.49% |
- The amount or percentage of the down payment (if applicable).
An example of a payment is $439.77 at 5.49% for 66 months on $25,000 with 0% Down.
Real Estate
Please contact Artesia Credit Union for all real estate questions at 575-748-9779.
Share Rates
Share Secured
| Product | Amount Financed | Rate |
|---|---|---|
| Share Accounts | Not to exceed the principal & interest due | 3.50% over the current share rate |
| Share Certificates | Not to exceed the principal and interest due | 2.00% over the current share certificate rate |
Regular Shares
| Share Balance | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $100.00-$4,999.99 | 0.20% | 0.20% |
| $5,000.00-$9,999.99 | 0.40% | 0.40% |
| $10,000.00-$34,999.99 | 0.50% | 0.50% |
| $35,000.00-$49,999.99 | 0.60% | 0.60% |
| $50,000.00 99,999.99 | 0.75% | 0.75% |
- $25 minimum to open account
- $1 one time membership fee
- Rates are effective April 1, 2025 and are subject to change without notice including after an account is opened
- Regular Shares require a $25 minimum balance at all times
- Fees could reduce the earnings on the account
Share Draft / Checking
| Dividend Rate | Annual Percentage Yield |
|---|---|
| 0.50% | 0.50% |
Share Certificates
| Term | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| 6 month | 3.00% | 3.04% |
| 12 month | 4.25% | 4.32% |
| 24 month | 4.10% | 4.16% |
| 36 month | 3.45% | 3.49% |
| 48 month | 3.45% | 3.49% |
| 60 month | 3.45% | 3.49% |
- $5,000.00 Minimum Deposit
- Early Withdrawal Penalty- 90 Days Dividend
- Rates are effective April 1, 2025 and are subject to change without notice
- Certificates which are automatically renewed will receive the rate in effect on the renewal date, which may be different from the renewing certificate rate
- Fees could reduce the earnings on the account
IRA and Money Market
IRA Shares
| Amount | Dividend Rate | Annual Percentage Yield |
|---|---|---|
| $25.00-$9,999.99 | 1.00% | 1.00% |
| $10,000.00-24,999.99 | 1.25% | 1.26% |
| $25,000.00-49,999.99 | 1.50% | 1.51% |
| $50,000.00 and up | 1.75% | 1.76% |
| 100,000.00 and up | 2.00% | 2.02% |
- Rates are effective April 1, 2025 and are subject to change without notice
- Is not a variable rate account. Rate is fixed
- $25.00 minimum to open account
- Fees could reduce the earnings on the account
IRA Certificates
| Term | Dividend Rate | Annual Percentage Rate |
|---|---|---|
| 12 Month | 4.25% | 4.32% |
| 24 Month | 4.50% | 4.58% |
- Rates are effective April 1, 2025 and are subject to change without notice
- Is not a variable rate account. Rate is fixed
- $5,000.00 minimum to open account
- Fees could reduce the earnings on the account
Money Market Accounts (Big Dog Investor)
| Dividend Rate | Annual Percentage Yield |
|---|---|
| Starting at .75% | Starting at .75% |
- $1,000.00 minimum to open account
- Is not a variable account. Rate is fixed
- For all Share Accounts, Dividends are paid monthly.
- Fees could reduce the earnings on the account
Overdraft Protection
Overdraft Protection
18.00% *APR
- Amounts added to Overdraft Protection loan in increments of $25.00.
- Rates and terms are based on your credit history.
- An example of a payment is $25.00 monthly for a $300.00 loan at 18.00% for 14 months. For other payment options, call your loan officer at (575) 748-9779.
- The annual percentage rate is fixed and will not increase after consummation.
- No participation fees
*APR refers to Annual Percentage Rate.