Accounts
Checking Accounts
Your checking account should be something personalized to you, because it needs to work for you. East Idaho Credit Union has a variety of checking accounts to fit your unique situation and personality.
Checking account options:
- Classic Checking
Velocity Checking
See our new interest earning checking accountGolden Access Checking (59 1/2+)
Every checking account comes with the following FREE features:
Instant Issue Visa® Debit Card
CURewards®
Access to 30,000+ Fee-Free ATMs
All of Our Online Services
Savings Accounts
Use one of our personalized savings accounts to secure your money. When putting your money somewhere, you want to know it is safe. East Idaho Credit Union offers a trustworthy solution by allowing you to open one or multiple secure savings accounts.
Savings account options:
Classic Savings
Money Market
Velocity Money Market
Individual Retirement Accounts (IRAs)
Certificates of Deposit (CDs)
Pickle Jar Savings (Round up savings)
Classic Savings Rates
| APY* | Interest Rate |
|---|---|
| 0.05% | 0.05% |
Rates effective as of January 6th, 2022
Money Market Rates
| Balance | APY* | Rate |
|---|---|---|
| $0–$2,500 | 0.05% | 0.05% |
| $2,500–$20,000 | 0.10% | 0.10% |
| $20,000–$75,000 | 0.15% | 0.15% |
| $75,000+ | 0.20% | 0.20% |
Rates effective as of January 6th, 2022
Velocity Money Market Rates*
| Average Daily Balance Tiers | APY* |
|---|---|
| First $50,000 ($0-$50,000) | 0.20% |
| Next $25,000 ($50,000-$75,000) | 0.50% |
| Next $25,000 ($75,000-$100,000) | 1.00% |
| Next $50,000 ($100,000-$150,000) | 1.51% |
| Everything over $150,000 | 2.02% |
Rates effective as of 10/1/2022
Here’s an example of how much you could earn with a total balance of $185,000:
| Tiered Balance | APY* | Annual Interest | ||
|---|---|---|---|---|
| $50,000 | @ | 0.20% | = | $100 |
| $25,000 | @ | 0.50% | = | $125 |
| $25,000 | @ | 1.00% | = | $250 |
| $50,000 | @ | 1.51% | = | $755 |
| $35,000 | @ | 2.02% | = | $707 |
| Total Earned $1,937 |
*Tier 1- Your daily balance in tier 1 ($0.00 up to $49,999.99) will earn an interest rate of 0.20% and an APY of 0.20%. Tier 2- Your daily balance in tier 2 ($50,000.00 up to $74,999.99) will earn an interest rate of 0.50% with a 0.50% APY. Tier 3- Your daily balance in tier 3 ($75,000.00 up to $99,999.99) will earn an interest rate of 1.00% with a 1.00% APY. Tier 4- Your daily balance in tier 4 ($100,000.00 up to $149,999.99) will earn an interest rate of 1.50% with a 1.51% APY. Tier 5- Your daily balance in tier 5 ($150,000.00 or more) will earn an interest rate of 2.00% with a 2.02% APY. Your interest rate and annual percentage yield are subject to change. At our discretion, we may change the interest rate on your account. All applicants must meet East Idaho Credit Union account opening requirements. Some restrictions may apply.
Special CD Rates
For a limited time, take advantage of the following special rates when you open a new CD in branch:
| Term | Rate | APY* |
|---|---|---|
| 13 Months Bump-up/Add-on CD* |
4.96% | 5.05% |
| 17 Months | 4.47% | 4.55% |
| 26 Months | 3.99% | 4.05% |
| 33 Months | 2.77% | 2.80% |
| 45 Months | 2.77% | 2.80% |
A Bump-up CD entitles the bearer to take advantage of rising interest rates with a one-time option to “bump up” the interest rate paid.
An Add-on CD allows the bearer to make up to 2 additional deposits into a CD account during the maturity term.
Bump-up option is only available at the request of the member if the rate exceeds their current certificate interest rate, up to .50 basis points, and will only effect rate of dividends that have not been paid out. Members may only add additional funds up to 2 times.
Standard CD Rates
| Term | Rate | APY* |
|---|---|---|
| 6 Months | 1.00% | 1.00% |
| 1 Year | 1.25% | 1.26% |
| 2 Years | 1.75% | 1.76% |
| 3 Years | 2.25% | 2.27% |
| 4 Years | 2.10% | 2.12% |
| 5 Years | 2.00% | 2.02% |
*APY = Annual Percentage Yield. Effective as of 2/15/2023. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at its discretion. View Rate & Fee Schedule.
IRA Rates
| APY* | Interest Rate |
|---|---|
| 0.05% | 0.05% |
Rates effective as of January 6th, 2022
Pickle Jar Rates
| APY* | Interest Rate |
|---|---|
| 0.10% | 0.10% |
Rates effective as of January 6th, 2022
Teen Accounts
Is it time to start handling your own finances? Go ahead and start to learn what it means to control your own finances, we will be with you every step of the way with training and support.
If you are a teenager and want to start to gain your independence, there is no better way than with our Teen Account.
Youth Accounts
East Idaho Credit Union doesn’t discriminate by age. Don’t forget about the youth, we certainly didn’t! Because our young members are so important we encourage them to start saving money early.
Help your child learn about the value of money and how they can start to manage it correctly. Our Youth Savings Account is one of the best ways to begin.
Business Accounts
Whether your business is just getting started or already established, find what is right for you.
We offer multiple Checking and Savings Accounts for both small and large businesses.
Business Services
Growing your business is a top priority. We make accessing all of your accounts quick and easy so you can stay focused on your bottom line with these additional services.
