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Interest Rates

Interest Rates are subject to change without notice

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Rates

CDs & IRAs

For rate information for Certificates of Deposit or Individual Retirement Accounts, please call or visit any of our Banking Centers for our current rates.

Savings

Balance Interest Rate Annual Percentage Yield (APY)
Health Savings Account
$0.01 - $1,999.99 0.05% 0.05%
$2,000.00 - $4,999.99 0.15% 0.15%
$5,000.00 and above 0.25%  0.25% 

Health Savings Account (HSA) Rates are effective as of 05/16/2019. Fees could reduce earnings on the account. Rates are subject to change at any time without prior notice.

Loans

Model Year Term Interest Rate Annual Percentage Rate (APR)
Automobile
2026, 2025, 2024, 2023, 2022, 2021, 2020, 2019, 2018 84 months 7.500% 7.881%
2026, 2025, 2024, 2023, 2022, 2021, 2020, 2019, 2018 72 months 7.375% 7.811%
2026, 2025, 2024, 2023, 2022, 2021, 2020, 2019, 2018 60 months 6.750% 7.261%
2026, 2025, 2024, 2023, 2022, 2021, 2020, 2019, 2018 48 months 6.500% 7.125%
2017, 2016, 2015, 2014, 2013, 2012, 2011, 2010, 2009 60 months 8.250% 8.762%
2017, 2016, 2015, 2014, 2013, 2012, 2011, 2010, 2009 48 months 8.250% 8.877%
2017, 2016, 2015, 2014, 2013, 2012, 2011, 2010, 2009 36 months 8.125% 8.940%

Details

  • Interest rates are subject to Springs Valley's underwriting guidelines.
  • Decisions made locally.
  • Interest rates are subject to change.
  • The above APR does include an application fee, VSI fee and electronic title fees.

To apply for a consumer loan, visit our Online Consumer Loan Center.

Loan Rates are effective as of 3/31/2026. The above APR is based on a $20,000.00 loan. A loan for a 2026 vehicle for 5 yrs, 60 mo. Payments of $398.49 would be required. This is based on a current rate & APR of a 2026 vehicle.

Home Equity Fixed Rate or Line of Credit

For details, call or visit your nearest Springs Valley Banking Center or Contact a Loan Officer.

Mortgage Information

Decisions made locally by a friendly and knowledgeable staff. For details visit the Springs Valley Online Mortgage Center.

Find a Mortgage Loan Officer

Let a Springs Valley's Mortgage Loan Officer customize a Home Loan that works for you. 

Find an MLO