--- title: "San Juan Mountains Credit Union Rates (Nov 2026): CDs to 1.46%" description: "San Juan Mountains Credit Union rates today: savings & CDs up to 1.46% APY. Every rate verified daily from the official website — no pay-to-rank. See who can join San Juan Mountains Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/colorado/san-juan-mountains" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # San Juan Mountains Credit Union Rates (Nov 2026): CDs to 1.46% ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **Auto Loan** auto | — APR | 5.500% | — | Standard | | **Recreational Loan** powersports | — APR | 7.000% | — | Standard | San Juan Mountains Credit Union auto & vehicle rates as of November 12, 2026 ### Personal loan rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Unsecured Personal Loan** personal_unsecured | — APR | 9.750% | — | Standard | San Juan Mountains Credit Union personal loan rates as of November 12, 2026 ### Savings & CD rates 16 offers | Product | Published | Rate | Term / condition | Status | | **IRA** ira | 0.04% APY | 0.04% | — | Standard | | **Regular Share Account** share_savings | 0.05% APY | 0.05% | — | Standard | | **Kids Club*** savings | 0.15% APY | 0.15% | — | Eligibility restricted | | **Christmas Club Account** savings | 0.20% APY | 0.20% | — | Specialty offer | | **Regular High Yield** savings | — APY | 1.25% | — | Standard | | **Regular High Yield** savings | 1.26% APY | 1.25% | — | Standard | | **High Yield** savings | — APY | 1.45% | — | Standard | | **High Yield** savings | 1.46% APY | 1.45% | — | Standard | | **High Yield** savings | — APY | 1.75% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 2.50% | 12 mo | Standard | | **6-Month Certificate** cd_6mo | — APY | 2.50% | 6 mo | Standard | | **18-Month Certificate** cd_18mo | — APY | 2.60% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 2.70% | 24 mo | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.85% | 36 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 3.05% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 3.15% | 60 mo | Standard | San Juan Mountains Credit Union savings & cd rates as of November 12, 2026 Savings and certificate yields up to 1.46% APY. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/colorado/san-juan-mountains) , verified from [San Juan Mountains Credit Union's official website](https://www.sjmcreditunion.org/) Loading branch locator… ## About San Juan Mountains Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 3.3K Assets $62.7M Founded 1958 Locations reported 4 NCUA charter 60110 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Bilingual services - Student scholarships Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Nuvista** Corporate Office · Montrose · CO · 81401 About 6.8 miles away](https://rateapi.dev/credit-unions/colorado/nuvista) [**Olathe** Olathe Federal Credit Union · Olathe · CO · 81425 About 13.4 miles away](https://rateapi.dev/credit-unions/colorado/olathe) [**Delta County** Delta County FCU-Hotchkiss · Hotchkiss · CO · 81419 About 19.9 miles away](https://rateapi.dev/credit-unions/colorado/delta-county) [**Bellco** Clifton · Clifton · CO · 81520-7676 About 54.4 miles away](https://rateapi.dev/credit-unions/colorado/bellco) [**Coloramo** Coloramo FCU · Grand Junction · CO · 81501 About 56.5 miles away](https://rateapi.dev/credit-unions/colorado/coloramo) [**Canvas** Grand Junction · Grand Junction · CO · 81501 About 56.9 miles away](https://rateapi.dev/credit-unions/colorado/canvas) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join San Juan Mountains Credit Union Membership eligibility from San Juan Mountains Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on San Juan Mountains Credit Union's website. Check the membership page below to confirm whether you qualify. - Location montrose, gunnison, san miguel, ouray, delta, mesa — CO Verified from [San Juan Mountains Credit Union's membership page](https://www.sjmcreditunion.org/membership) . Final membership determination is always made by the credit union. ## Membership rules for San Juan Mountains Credit Union Geography 6 counties · Family 13 published paths to membership, last verified November 8, 2026, quoted from San Juan Mountains Credit Union’s own published criteria. ### Geography 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Delta County, CO - Gunnison County, CO - Mesa County, CO - Montrose County, CO - Ouray County, CO - San Miguel County, CO “IF YOU LIVE OR WORK IN MONTROSE, GUNNISON, SAN MIGUEL, Hindsdale, OURAY, delta and mesa COUNTY YOU ARE ELIGIBLE FOR MEMBERSHIP AT THE SAN JUAN MOUNTAINS CREDIT UNION.” > [source ↗](https://www.sjmcreditunion.org/membership) ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member family “And as long as you're a member all of your family is eligible for membership too!” > [source ↗](https://www.sjmcreditunion.org/membership) - Family member (family) of a member Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for San Juan Mountains Credit Union? Yes No ## Work at San Juan Mountains Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where San Juan Mountains Credit Union ranks against Colorado peers. - See which AI assistants fetched San Juan Mountains Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Colorado - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=san-juan-mountains&state=colorado&code=CO&name=San%20Juan%20Mountains%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does San Juan Mountains Credit Union offer? San Juan Mountains Credit Union currently offers vehicle loan, and personal loan rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are San Juan Mountains Credit Union rates updated? RateAPI verifies San Juan Mountains Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get San Juan Mountains Credit Union's rate data? Rate data is collected directly from San Juan Mountains Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is San Juan Mountains Credit Union's best CD rate? As of November 12, 2026, San Juan Mountains Credit Union offers savings and certificate (CD) yields up to 1.46% APY. ### Who can join San Juan Mountains Credit Union? San Juan Mountains Credit Union publishes its membership criteria on its own website. RateAPI tracks 13 published membership paths covering 6 counties for San Juan Mountains Credit Union, each quoted from San Juan Mountains Credit Union's own published membership criteria. Immediate family of an existing member also qualify. ## Related Rate Data Compare San Juan Mountains Credit Union's rates against national credit-union benchmarks. [More Colorado credit unions](https://rateapi.dev/credit-unions/colorado) [Colorado auto loan rate leaders](https://rateapi.dev/auto-loan-rates/colorado) [Colorado personal loan leaders](https://rateapi.dev/personal-loan-rates/colorado) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.sjmcreditunion.org/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track San Juan Mountains Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Colorado credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for San Juan Mountains Credit Union curl "https://api.rateapi.dev/credit-unions/colorado /san-juan-mountains " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## San Juan Mountains Credit Union locations Search, filter, and browse all 4 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/colorado/san-juan-mountains Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp