Rates


Rates Effective March 1, 2023

Loan Rates

Auto Loans
LOAN TYPE AND TERM ANNUAL PERCENTAGE RATE*
New Auto (Up to36 Months) As Low As 4.49%
New Auto (37-48 Months) As Low As 4.79%
New Auto (49-66 Months) As Low As 4.99%
New Auto (67-75 Months) As Low As 5.49%
New Auto (76-84 Months) As Low As 5.99%
Used Auto (2019-2023) Same as new auto
Used Auto (2015-2018) As Low As 5.49%
Used Auto (2014 and older) As Low As 5.99%
Recreational Vehicles
New & Used *APR – As Low As
36 Months 5.79%
48 Months 6.24%
66 Months 6.49%
75 Months 6.79%
84 Months 6.99%
96 Months 7.24%
Personal Loan
Term *APR – As Low As
Up to 60 Months 9.00%

An example of a payment is $219.09 at 2.49% for 48 months on $10,000.00

Real Estate

Please contact Artesia Credit Union for all real estate questions at 575-748-9779.

Share Rates

Share Secured

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

Regular Shares
Share Balance Dividend Rate Annual Percentage Yield
$100.00-$4,999.99 0.10% 0.10%
$5,000.00-$9,999.99 0.25% 0.25%
$10,000.00-$34,999.99 0.35% 0.35%
$35,000.00-$49,999.99 0.45% 0.45%
$50,000.00 99,999.99 0.60% 0.60%
  • $25 minimum to open account
  • $1 one time membership fee
  • Rates are effective March 1, 2023 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

Share Draft / Checking
Dividend Rate Annual Percentage Yield
0.00 0.00

Share Certificates

Share Certificates
Term Dividend Rate Annual Percentage Yield
6 month 1.25% 1.26%
12 month 3.00% 3.03%
24 month 3.50% 3.55%
36 month 3.75% 3.80%
48 month 4.00% 4.06%
60 month 4.00% 4.06%

 

  • $5,000.00 Minimum Deposit
  • Early Withdrawal Penalty- 90 Days Dividend
  • Rates are effective March 1, 2023 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
Jumbo Share Certificate Special (Limited Time)
Amount Dividend Rate Annual Percentage Yield
$50,000.00 4.18% 4.25%
$100,000.00 4.91% 5.00%
  • $50,000.00 / $100,000 Minimum Deposit
  • Early Withdrawal Penalty- 90 Days Dividend
  • Rates are effective March 1, 2023 and are subject to change without notice
  • Non-renewable accounts
  • Fees could reduce the earnings on the account

IRA and Money Market

IRA Shares

IRA Shares
Amount Dividend Rate Annual Percentage Yield
$25.00-$9,999.99 0.70% 0.70%
$10,000.00-24,999.99 0.75% 0.75%
$25,000.00-49,999.99 0.85% 0.85%
$50,000.00 and up 0.95% 0.95%
100,000.00 and up 1.10% 1.10%

 

  • Rates are effective March 1, 2023 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

IRA Certificates
Term Dividend Rate Annual Percentage Rate
12 Month 3.00% 3.03%
24 Month 3.50% 3.55%
  • Rates are effective March 1, 2023 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)

Money Market Accounts (Big Dog Investor)
Amount Dividend Rate Annual Percentage Yield
$1,000.00-4,999.99 0.50% 0.50%
$5,000.00-24,999.99 0.60% 0.60%
$25,000.00-49,999.99 070% 0.70%
$50,000.00-99,999.99 0.80% 0.80%
$100,000.00 and above 0.90% 0.90%

 

  • $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.