Loan Rates

Effective: August 7, 2020


NMLS ID# 1812062 NMLS ID# 1573750 NMLS ID# 417707 NMLS ID# 417703
Valerie Finnegan Alamosa Main Darrell Meis Alamosa Main Samantha Hall West Alamosa Andrea Archuleta-Cisneros Alamosa West
Apply with Valerie Apply with Darrell Apply with Sam Apply with Andrea

Currently, San Luis Valley Federal Bank only lends within the 6 San Luis Valley counties (Alamosa, Conejos, Costilla, Mineral, Rio Grande, and Saguache). The bank will occasionally loan outside the valley but only within the State of Colorado and to existing bank members.


APR*(Annual Percentage Rate)

Fixed Rate Mortgage – Primary Residence:

Term (Years) Loan to Value Rate APR* Origination Fee Examples
30 80% 3.00% 3.09% 1% $100,000.00 @ 3.09% APR* = 360 payments of $421.60
15 80% 2.625% 2.79% 1% $100,000.00 @ 2.79% APR* = 180 payments of $672.69

Manufactured homes are not eligible. Loans may be sold but still serviced by San Luis Valley Federal Bank.

5/1 Adjustable Rate Mortgage – Primary Residence:

Term (Years) Loan to Value Rate APR* Origination Fee
1-30 80% 3.04% 3.13% 1%

Example: $100,000.00 @ 3.13% APR=360 payments of $423.76 Rates may increase after consummation.

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Auto Loans:

Auto Loan Fixed Rate-New to 4 years old

Term (Years) Rate APR* Document Preparation Fee
5 4.54% 4.75% $100.00

Example: $15,000.00 @ 4.54% APR = 60 payments of $281.35 Vehicles over 1 year old, down payment determined by the NADA retail value. Financing up to 84 months is available for qualified borrowers.

We also provide the following loan products:

Commercial Loans Vacant Land Rental Loans Recreational Loans
Vehicle Loans Line of Credit Loans Deposit Accounts (Share Loans) Manufactured Homes


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Interest rates are subject to change without notice. Contact Bank for current rates. *APR (Annual Percentage Rate) – the actual cost of credit to the borrower, including interest and certain other charges, expressed as a yearly rate and calculated over the life of the loan. San Luis Valley Federal Bank- NMLS ID#403374

If you need information on any of our additional loan products or rates, please call 719-589-6653 or toll-free 1-877-478-8625 to reach any of our loan professionals.