Rates - Artesiacu

Loan Rates

Share Rates

Ira and Money Market

Overdraft Protection

Rates Effective February 1, 2026

Auto Loans

LOAN TYPE AND TERM	ANNUAL PERCENTAGE RATE*
New Auto (Up to36 Months)	As Low As 4.74%
New Auto (37-48 Months)	As Low As 4.94%
New Auto (49-66 Months)	As Low As 5.24%
New Auto (67-75 Months)	As Low As 5.74%
New Auto (76-84 Months)	As Low As 6.29%
Used Auto (2021-2025)	Same as new auto
Used Auto (2017-2020)	As Low As 5.74%
Used Auto (2016 and older)	As Low As 6.24%

New & Used	*APR – As Low As
36 Months	5.99%
48 Months	6.59%
66 Months	6.79%
75 Months	6.99%
84 Months	7.29%
96 Months	7.59%

Term	*APR – As Low As
Up to 60 Months	9.49%

The amount or percentage of the down payment (if applicable).
An example of a payment is $474.53 at 5.24% for 60 months on $25,000 with 0% Down.

An example of a payment is $474.53 at 5.24% for 60 months on $25,000 with 0% Down.

Real Estate

Please contact Artesia Credit Union for all real estate questions at 575-748-9779.

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	0.20%	0.20%
$5,000.00-$9,999.99	0.40%	0.40%
$10,000.00-$34,999.99	0.50%	0.50%
$35,000.00-$49,999.99	0.60%	0.60%
$50,000.00 99,999.99	0.75%	0.75%

- $25 minimum to open account
- $1 one time membership fee
- Rates are effective April 1, 2025 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
0.50%	0.50%

Share Certificates

Term	Dividend Rate	Annual Percentage Yield
6 month	3.00%	3.04%
12 month	4.25%	4.32%
24 month	4.10%	4.16%
36 month	3.45%	3.49%
48 month	3.45%	3.49%
60 month	3.45%	3.49%

- $5,000.00 Minimum Deposit
- Early Withdrawal Penalty- 90 Days Dividend
- Rates are effective April 1, 2025 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 Shares

Amount	Dividend Rate	Annual Percentage Yield
$25.00-$9,999.99	1.00%	1.00%
$10,000.00-24,999.99	1.25%	1.26%
$25,000.00-49,999.99	1.50%	1.51%
$50,000.00 and up	1.75%	1.76%
100,000.00 and up	2.00%	2.02%

- Rates are effective April 1, 2025 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	4.25%	4.32%
24 Month	4.50%	4.58%

- Rates are effective April 1, 2025 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)

Dividend Rate	Annual Percentage Yield
Starting at .75%	Starting at .75%

- $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

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.