Rates

print-me
Vehicle Loans
TERM A.P.R.
New/Used Vehicles
New/Used Vehicles (2017-2013) Up to 36 months 1.49%
37 to 66 months 2.49%
67 to 75 months 2.79%
76 to 84 months 3.19%

Used Vehicles (2012 - 2010) Up to 65 months 2.69%
66 to 75 months 3.49%

Used Vehicles (2009 - 2007) Up to 60 months 3.49%

Used Vehicles (2006 & Older) 36 to 48 months 6.25%

Motorcycles - New & Used Up to 72 months 6.24%

Recreational Vehicles-New & Used Up to 60 months 4.99%
  61 to 84 months 6.99%
  Up to 144 months >15k 6.99%

Ask us about Membership Plus for more rate discounts.

Minimum loan balances may apply.

Effective - 06/15/2017

Unsecured Loans
A.P.R. TERM
Signature - Uncollateralized 11.90% 5 Years
QuickCash - Adjustable 14.90% Revolving

Ask us about Membership Plus for more rate discounts.

A recent ruling by the U.S. Congress has changed the way variable rates are calculated for credit card accounts. In order to continue to provide low credit card rates to our members, U.S. Eagle has changed from variable rates to non-variable rates thus maintaining the current rate on your existing credit card balances when the prime rate increases. Any rate increases that may be imposed will affect only your new purchases.

VISA - Non-Variable
Platinum Preferred 6.90% Revolving
Platinum Select 9.99% Revolving
Eagle Classic 13.99% Revolving
Credit Builder 18.00% Revolving
Business - as low as 6.90% Revolving

Mobile Homes
Doublewide - Fixed 85% LTV 9.75% 15 Years
Singlewide - Fixed 85% LTV 10.50% 10 Years


A.P.R. (Annual Percentage Rate)
LTV (Loan to Value)
Please note the following:
  • You must qualify for financing.
  • Rates can change without notice.
  • All consumer loans are charged simple interest with no pre-payment penalty
  • Rates/Terms may vary based on qualification and amount financed.
  • Rates are fixed unless otherwise indicated.
Residential Solar Loans
TERM Rates*
Up to 84 Months As low as 4.99%
85 to 120 Months As low as 5.49%
121 to 180 Months As low as 5.79%
* On Approved Credit. Qualifications Apply.  

 

Home Improvement Loan
TERM Rates*
Up to 84 Months As low as 5.74%
85 to 120 Months As low as 6.24%
121 to 180 Months As low as 6.54%
* On Approved Credit. Qualifications Apply.  

 

Share Secured Loans
A.P.R. TERM
Share Secured Loans 2% above the highest Annual Percentage Rate 12 Months
Share Certificates 2% above the Annual
Dividend Rate
1 Year or maturity of certificate,
whichever is less.



Home Mortgages

Fixed Rate Mortgages

Loan Amounts up to $424,100 - Conventional
30 Year
 | 
20 Year
 | 
15 Year
Rate Origination
Fee
Discount
Points
APR  |  Rate Origination
Fee
Discount
Points
APR  |  Rate Origination
Fee
Discount
Points
APR
Low 4.250% 1.00% 0.00% 4.713%  |  4.125% 1.00% 0.00% 4.616%  |  3.625% 1.00% 0.00% 4.127%
10 Year
 | 
Rate Origination
Fee
Discount
Points
APR  |           
Low 3.500% 1.000% 0.000% 4.073%  |           

30 Year - VA
Rate Origination
Fee
Discount
Points
APR  |           
Low 3.875% 0.000% 0.000% 4.204%  |           

$424,101 to $900,000 - Jumbo
30 Year  |  15 Year
Rate Origination
Fee
Discount
Points
APR  |  Rate Origination
Fee
Discount
Points
APR          
Low 4.625% 1.00% 0.000% 4.720%  |  3.875% 1.00% 0.000% 4.085%          


  • All rates are subject to change without notice. Your rate and APR may vary depending on (including but not limited to): loan term, loan amount, points, credit score and property occupancy.
  • Cash out may affect Discount Points.
  • Other rates and products are available.
  • The Mortgage Services Office is located inside our Coors and Learning Road Branch at 5201 Antequera NW, Albuquerque, NM. Call us at 505-342-8957.



Home Equity Loans
APR TERM
LINE OF CREDIT
Up to 80% LTV 5.25% Variable 15-Year
80.01% to 90% LTV 5.75% Variable 15-Year

LTV (Loan to Value)


For Line of Credit the Following Apply:

  • Rates are variable and subject to change quarterly based on the Wall Street Journal Prime
  • Maximum APR is 9.5%
  • Advances allowed during first 5 years (draw period)
  • Monthly payment is based on 15-year term
  • Minimum monthly payment is $100
  • Rates may change without notice

Home Equity Loans
APR TERM
HOME EQUITY SECOND MORTGAGE
Fixed Rate Second Mortgage Up to 80% LTV 5.75% 15-Year
Fixed Rate Second Mortgage 80.01% to 90.00% LTV 6.25% 15-Year

LTV (Loan to Value)


For Fixed Rate Mortgage the Following Apply:

  • Monthly payment is based on 15-year term
  • Minimum payment of $100

Additional Requirements for All Home Equity Loans:

  • Owner-Occupied in New Mexico
  • You must qualify for financing
  • Additional fees may apply
  • All consumer loans are charged simple interest with no pre-payment penalty

Contact us at 342-8824 for more information.

Current Investment Rates
Nominal APY*
SHARE SAVING ACCOUNT (balance of $100 or more) 0.15% 0.15%
This is a variable rate account. Rates may change at any time without prior notice. Fees could reduce earnings on the account. Minimum opening balance is $5.

DIVIDEND CHECKING ACCOUNT*
$0.01 TO $4,999.99 0.00% 0.00%
$5,000.00 TO $14,999.99 0.30% 0.30%
$15,000+ 0.05% 0.30% to 0.08%
*Balances up to $4,999.99 receive 0.00%. With a minimum balance of $5,000, a dividend of 0.30% is paid on balances up to $14,999.99. Balances $15,000 and above receive 0.05% dividend on the portion above $14,999.99. Per Reg DD, the blended rate is calculated on the assumption of $100,000 in account over cap. Fees could reduce earnings on the account. Minimum opening balance is $25.

IRA SHARE RATES:
$100 to $999 0.00% 0.00%
$1,000 to $24,999 0.25% 0.25%
$25,000 to $49,999 0.30% 0.30%
$50,000 to $99,999 0.35% 0.35%
$100,000 to 149,000 0.35% 0.35%
$150,000 to $249,000 0.40% 0.40%
$250,000 + 0.45% 0.45%
These are variable rate accounts (Traditional, Roth, SEP, Coverdell). Rates may change at any time without prior notice. Minimum opening balance is $5.



Investment Plus Money Market Account
Nominal APY*
$100 to $999 0.00% 0.00%
$1,000 to $24,999 0.15% 0.15%
$25,000 to $49,999 0.20% 0.20%
$50,000 to $99,999 0.25% 0.25%
$100,000 to $149,999 0.25% 0.25%
$150,000 to $249,999 0.30% 0.30%
$250,000+ 0.35% 0.35%
This is a variable rate account. Rates may change at any time without prior notice. Fees and other conditions may reduce earnings. Minimum opening balance is $1,000.



<
Share Certificates
Nominal APY*
Minimum $1,000
3 Months (91 Days) 0.20% 0.20%
6 Months (182 Days) 0.35% 0.35%
Penalties apply for early withdrawal

SHARE CERTIFICATE and IRA CERTIFICATE RATES
12 Months (365 Days) Min. $1000 0.40% 0.40%
18 Months (547 Days) Min. $1000 0.50% 0.50%
24 Months (730 Days) Min. $1000** 0.70% 0.70%
36 Months (1095 Days) Min. $1000** 1.00% 1.00%
48 Months (1460 Days) Min. $1000** 1.14% 1.15%
60 Months (1825 Days) Min. $1000** 1.39% 1.40%
Penalties apply for early withdrawal

BUMP RATE SHARE CERTIFICATE RATES
18 Months (547 Days) Min. $1000 0.35% 0.35%
36 Months (1095 Days) Min. $1000 0.75% 0.75%
Penalties apply for early withdrawal

* APY (Annual Percentage Yield)
** $250,000 or more add 0.25%
You can also select your Share Certificate Maturity Date for any duration between 3 and 60 months.

Investment Rates Effective 06/15/2017.