Loan Rates

At the present time, the bank’s primary lending area is the 6 counties of the San Luis Valley. This includes Alamosa, Conejos, Costilla, Mineral, Rio Grande, or Saguache County.  The bank will occasionally make loans outside the Valley but within the State of Colorado to existing bank members.

Effective: September 11, 2018

APR (Annual Percentage Rate)

Fixed Rate Mortgage – Primary Residence:

TermLoan to ValueRateAPR*PMIOrigination Fee
30 Yr.80%4.875%4.98%01%

Example: $100,000.00 @ 4.98% APR = 360 payments of $529.21.

TermLoan to ValueRateAPR*PMIOrigination Fee
15 Yr.80%4.375%4.55%01%

Example: $100,000.00 @ 4.55% APR = 180 payments of $758.62.

TermLoan to ValueRateAPR*PMIOrigination Fee
10 Yr.80%4.125%4.38%01%

Example: $100,000 @ 4.38% APR = 120 payments of $1,018.40.

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


1 Year Adjustable Rate – Primary Residence:

TermLoan to ValueRateAPR*PMIOrigination Fee

Example: $100,000.00 @ 3.94% APR = 360 payments of $468.24.

Rate may increase after consummation.


Auto Loans:

Auto Loan Fixed Rate – New to 4 years old

TermRateAPR*Document Preparation Fee
5 yrs.3.81%4.01% APR$100.00

Example: $15,000.00 @ 4.01% APR = 60 payments of $274.96.

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:

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.

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