Rates

Loan Rates

Auto Loans
LOAN TYPE AND TERM ANNUAL PERCENTAGE RATE*
New Auto (Up to36 Months) As Low As 2.29%
New Auto (67-75 Months) As Low As 3.29%
New Auto (76-84 Months) As Low As 3.59%
Used Auto (2016-2021) Same as new auto
Used Auto (2012-2015) As Low As 3.79%
Used Auto (2011 and older) As Low As 4.79%
Recreational Vehicles
New & Used *APR – As Low As
36 Months 4.49%
48 Months 4.75%
60 Months 4.99%
72 Months 5.24%
84 Months 5.49%
96 Months 5.74%
Personal Loan
Term *APR – As Low As
Up to 60 Months 9.00%

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 0.05% 0.05%
$5,000.00-$9,999.99 0.10% 0.10%
$10,000.00-$34,999.99 0.20% 0.20%
$35,000.00-$49,999.99 0.30% 0.30%
$50,000.00 99,999.99 0.40% 0.40%
  • $25 minimum to open account
  • $1 one time membership fee
  • Rates are effective August 1, 2020 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 0.35% 0.35%
12 month 0.60% 0.60%
24 month 0.75% 0.75%
36 month 0.85% 0.85%
48 month 0.95% 0.95%
60 month 1.15% 1.15%
  • $5,000.00 Minimum Deposit
  • Early Withdrawal Penalty- 90 Days Dividend
  • Rates are effective August 1, 2020 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

IRA Shares
Amount Dividend Rate Annual Percentage Yield
$25.00-$9,999.99 0.50% 0.50%
$10,000.00-24,999.99 0.60% 0.60%
$25,000.00-49,999.99 0.70% 0.70%
$50,000.00 and up 0.80% 0.80%
100,000.00 and up 1.00% 1.00%
  • Rates are effective August 1, 2020 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 1.00% 1.00%
24 Month 1.25% 1.26%
  • Rates are effective August 1, 2020 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 0.20% 0.20%
$5,000.00-24,999.99 0.25% 0.25%
$25,000.00-49,999.99 0.30% 0.30%
$50,000.00-99,999.99 0.35% 0.35%
$100,000.00 and above 0.45% 0.45%
  • $1,000.00 minimum to open account
  • Is not a variable account. Rate is fixed
  • For all Share Accounts, Dividends are paid quarterly.
  • 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.