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Notice

These Lobbies Are Now Open!

Our Colorado Springs, Pueblo and Crestone branch lobbies are now open! Click here for details and services offered. Cascade's branch lobby will be closed on Saturdays, drive-up still available.

COVID 19 Update: The Center Branch at 395 S. Worth Street in Center, Colorado (San Luis Valley) will re-open June 8th, 2020. Center branch lobby will remain closed on Saturdays until further notice, however the walk-up window will still be available. 

Stimulus Payments: If you have received your stimulus in the form of a debit card you can access your funds through our ATMs, on our website home page under "Make a Payment" or simply utilize as a regular Debit Card for your purchase.

Home » Loans & Credit Cards  » All Loan Rates 

All Available Rates

We have many rates to suit your needs. Use the links below to visit each section of the page for your convenience.

Loan Rates

Deposit Rates

Auto Loans

Year Max Term APR*
2020/2019 60 mos 3.50% - 17.99%
2020/2019 72 mos 3.75% - 17.99%
2020/2019 84 mos 3.99% - 17.99%
2018/2017/2016 60 mos 3.99% - 17.99%
2018/2017/2016 72 mos 4.24% - 17.99%
2018/2017/2016 84 mos 4.49% - 17.99%
2015/2014/2013 60 mos 4.25% - 17.99%
2012/2011/2010 60 mos 5.25% - 17.99%
2009 and older 48 mos 6.25% - 17.99%

*APR=Annual Percentage Rate. All rates and terms subject to change. All loans subject to approval. Rates, terms and conditions depend on credit qualifications. For a $20,000 auto loan for a term of 60 months with a 3.50% APR, the monthly payment will be $363.86.

Motorcycles/ATVs/Scooters

Max Term APR*
72 mos NEW 5.49% - 17.99%
60 mos USED 5.99% - 17.99%

*APR=Annual Percentage Rate. For a $10,000 motorcycle loan for a term of 60 months with a 5.49% APR, the monthly payment will be $190.97

Motor Home/Travel Trailers/Recreational Vehicles

Max Term APR*
under $20,000 - 84 mos New 6.49% - 17.99%
$20,000 - $49,999 - 144 mos Used 7.49% - 17.99%
$50,000+ - 240 mos

*APR=Annual Percentage Rate. For a $15,000 motor home loan for a term of 84 months with a 6.49% APR, the monthly payment will be $222.67.

Motor Boat/Trailers

Max Term APR*
$30,000 - 84 mos New 7.99% - 17.99%
Used 12.99% - 17.99%

*APR=Annual Percentage Rate. For a $10,000 boat loan for a term of 60 months with a 7.99% APR, the monthly payment will be $202.76.

Unsecured/Signature

Max Term APR*
60 mos 7.49% - 17.99%

*APR=Annual Percentage Rate. For a $10,000 unsecured loan for a term of 60 months with a 7.49% APR, the monthly payment will be $200.97.

First Responder Loan

Max Term APR*
36 mos 4.00%

*APR=Annual Percentage Rate. For a $5,000 loan for a term of 36 months with a 4.00% APR, the monthly payment will be $147.62.

Shared Secure Loan

Max Term APR*
60 mos Share: 2% Above Dividend Rate
60 mos Certificate: 2% Above Dividend Rate

*APR=Annual Percentage Rate. For a $10,000 share secured loan for a term of 60 months with a 2.05% APR, the monthly payment will be $175.65.

Mortgages

For current rates, please contact our Mortgage Lending Department at 800.555.6665

Certificate and IRA Certificate Accounts

Term Dividend Rate APY*
3 Months 0.40% 0.40%
6 Months 0.60% 0.60%
12 Months 0.80% 0.80%
24 Months 1.00% 1.00%
36 Months 1.05% 1.06%
48 Months 1.10% 1.11%
60 Months 1.20% 1.21%

*APY=Annual Percentage Yield. Minimum balance of $500 to open and earn APY. Rates and terms subject to change. Early withdrawal penalties may be imposed.  Effective as of 3/19/20.

Jumbo Certificates and IRA Certificates

Term Dividend Rate APY*
3 months 0.40% 0.40%
6 Months 0.60% 0.60%
12 Months 0.80% 0.80%
24 Months 1.00% 1.00%
36 Months 1.05% 1.06%
48 Months 1.10% 1.11%
60 Months 1.20% 1.21%

*APY=Annual Percentage Yield. Minimum balance of $50,000 to open and earn APY. Rates and terms subject to change. Fees may reduce earnings on the account. Early withdrawal penalties may be imposed. Effective as of 3/19/20.

Tiered Money Market

Investment Value Dividend Rate APY*
$0 to $99 0.00% 0.00%
$100 to $2,499 0.05% 0.05%
$2,500 to 4,999 0.15% 0.15%
$5,000 to $9,999 0.20% 0.20%
$10,000 to $49,999 0.30% 0.30%
$50,000 or more 0.35% 0.35%

*APY=Annual Percentage Yield. Minimum balance of $5 to open and minimum balance of $100 to earn APY. Rates subject to change. Fees may reduce earnings on the account. Effective as of 3/19/20.

Ascent Savings

Balance APY*
$0 to $999.99 5.00%
$1000.00 and Up 0.25%

*APY=Annual Percentage Yield. Account requires Aventa checking account and debit card. Rates subject to change. Effective as of 3/19/20. 

Share/Savings Accounts

Account Type Dividend Rate APY*
Share Savings1 0.05% 0.05%
Health Savings Account1 0.05% 0.05%
Christmas Club1 0.05% 0.05%
Electronic Checking2 0.05% 0.05%
IRA Share Accounts3 0.40% 0.40%

*APY=Annual Percentage Yield. 1Minimum balance of $5 to open and minimum balance of $100 to earn APY. 2Minimum balance of $5 to open and minimum balance of $500 to earn APY.  3Minimum balance of $25 to open and earn APY. Fees may reduce earnings on the account. Rates subject to change. Effective as of 3/19/20.