Rates - Jemez Valley CU

Deposit Rates

Money Market/Golden Share Account Rates
Effective Date: 01/24/2023
Avg Balance	Nominal Dividend Rate	APY*
$500.01 - $10,000	0.30%	0.30%
$10,000.01 - $50,000	0.70%	0.70%
$50,000.01 - Up	1.00%	1.00%

New and Used Auto Loans*
Effective Date: 05/01/2023
Type	Term	APR*	Description
New Auto	24 months	As low as 4.74%	Vehicle may be up to two years old with less than 25,000 miles.
New Auto	36 months	As low as 5.89%	Vehicle may be up to two years old with less than 25,000 miles.
New Auto	48 months	As low as 6.14%	Vehicle may be up to two years old with less than 25,000 miles.
New Auto	60 months	As low as 6.69%	Vehicle may be up to two years old with less than 25,000 miles.
New Auto	72 months	As low as 6.79%	Vehicle may be up to two years old with less than 25,000 miles.
New Auto	84 months	As low as 7.14%	Vehicle may be up to two years old with less than 25,000 miles.
Used Auto	24 months	As low as 7.04%	Vehicles up to four years old or with more than 25,000 miles.
Used Auto	36 months	As low as 7.54%	Vehicles up to four years old or with more than 25,000 miles.
Late Model Used Auto	48 months	As low as 7.64%	Vehicles up to four years old or with more than 25,000 miles.
Late Model Used Auto	60 months	As low as 7.74%	Vehicles up to four years old or with more than 25,000 miles.
Late Model Used Auto	66 months	As low as 8.05%	Vehicles up to four years old or with more than 25,000 miles.
Late Model Used Auto	60 months	As low as 12.49%	All other used vehicles
^{*APR based on applicant’s credit history at time of application processing. Example: You could pay as low as $424.00 per month for a $25,000.00 auto loan on approved credit with a 6.79% Annual Percentage Rate for 72 months. APR effective April 2023 and subject to change.}

Motorcycle, Watercraft, & ATV Loans*
Effective Date: 11/23/2020
Type	Regular	Preferred	Preferred Plus
New	16.05%	14.05%	10.05%
Used	17.05%	15.05%	11.05%
_{APR based on applicant's credit history at time of application processing. Maximum Term shall not exceed 72 Months.}

Fully Secured Share Loan Rates*
Effective Date: 11/23/2020
Type	Amortize	Rate
Share Secured	Amortize up to 120 Months	Share Dividend Rate+2.50%
Share Secured Line of Credit	Amortize up to 120 Months	Share Dividend Rate+2.50%
Share Certificate Secured*	Amortize up to 120 Months	Share Dividend Rate+2.50%
Can only be Secured by Share/Certificate Accounts. Cannot use Draft/MM/IRA’s for Share Secured.

Personal Loans*
Effective Date: 05/01/2023
Type	Regular	Preferred	Preferred Plus
Signature Loan	15.05%	11.55%	9.55%
Line of Credit	15.05%	11.55%	9.55%
Overdraft Protection	15.05%	11.55%	9.55%
_{APR based on applicant's credit history at time of application processing. Maximum Term for Personal Loans is 36 Months.}

Payday Alternative Loan "PAL"*
Effective Date: 11/23/2020
Type	Rate	Fee
1st PAL	28.00%	$20.00
All PAL's after	28.00%	$10.00
Maximum Term for Payday Alternative Loans is 6 Months. Monthly Payment cannot exceed 25% of Gross Monthly Wages.

Land Loan
Effective Date: 10/15/2025
Type	Amortize	Rate
Vacant/Improved LTV max 75% 5 Year Balloon	Amortized up to 360 Months	8.50%

Please call 575.829.3366 and ask to speak to a loan officer for more information.
*JVCU will follow the exceptions listed by NCUA 723.1

Please call 575.829.3366 and ask to speak to a loan officer for more information.

Please call 575.829.3366 and ask to speak to a loan officer for more information.