Rates Effective March 1, 2023
Loan Rates
| 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% |
| 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% |
| 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
| 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 | 0.10% | 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
| Dividend Rate | Annual Percentage Yield |
|---|---|
| 0.00 | 0.00 |
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
| 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
| 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
| 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)
| 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.