Boost Your Velocity

Take your account to the next level with the Velocity Product Suite

Velocity Checking

The Velocity Checking account is an interest-earning checking account with returns up to 2.02% APY*.

  • Your first $10,000 earns 2.02% APY when you meet the basic criteria:

  • Enroll in Online banking & eStatements

  • $2,000+ ACH deposits per month

  • 11+ posted* Debit/Credit card transactions per month

  • Additionally, everything over $10,000 earns:

  • 0.50% APY when you have a qualifying loan or Certificate*

  • 0.20% APY when you do not have a qualifying loan or Certificate*

See Rates & Disclosures

Velocity Money Market

The Velocity Money Market account offers tiered interest rates with returns up to 2.02% APY*.

  • TIER 1:
    Your first $50,000 earns 0.20%
  • TIER 2:
    Your next $25,000 earns 0.50%

  • TIER 3:
    Your next $25,000 earns 1.00%

  • TIER 4:
    Your next $50,000 earns 1.51%

  • TIER 5:
    Everything over $150,000 earns 2.02%

See Rates & Disclosures

Velocity Checking Rates*

With qualifying loan or Certificate

Average Daily Balance Tiers APY*
First $10,000 ($0.00-$10,000.00) 2.02%
Everything over $10,000 0.50%

Rates effective as of 10/1/2022

Without qualifying loan or Certificate

Average Daily Balance Tiers APY*
First $10,000 ($0.00-$10,000.00) 2.02%
Everything over $10,000 0.20%

Rates effective as of 10/1/2022

Here’s an example of how much you could earn with a total average balance of $75,000 and you meet the basic criteria & have a qualifying loan or Certificate:

Tiered Balance APY* Annual Interest
$10,000 @ 2.02% = $202
$65,000 @ 0.50% = $325
Total Earned
$527

*Earn 2.02% APY¹ on your average⁴ balance up to $10,000 when you: Enroll in Online Banking and e-statements, have ACH deposits of at least $2,000 per month, and have at least 11 posted² debit and/or credit card transactions per month. Additionally, earn 0.50% APY¹ on average balances greater than $10,000 when you have a qualifying loan or Certificate³ or 0.20% APY¹ on balances greater than $10,000 when you do not have a qualifying loan or Certificate³. If you don’t meet the qualification requirements, you will earn 0.05% APY¹ on your average⁴ balance.

¹APY – Annual Percentage Yield. Your interest rate and annual percentage yield are subject to change at our discretion and pursuant to applicable law. All applicants must meet East Idaho Credit Union membership and account opening requirements.
²Posted – Transactions that have cleared by the end of the account statement cycle.
³Qualifying loan or Certificate – The term “qualifying loan” is defined as an open loan with a month-end balance, but excluding Personal Lines of Credit. The term “Certificate” is defined as a Certificate of Deposit.
⁴Interest earned based on average daily balance.

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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.

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Certificates of Deposit

Looking for a higher rate than our Velocity products? We have a limited time CD special with rates up to 3.33% APY*.

Term Rate APY
13 Months 2.89% 2.93%
17 Months 3.09% 3.13%
26 Months 3.28% 3.33%
33 Months 2.77% 2.80%
45 Months 2.77% 2.80%

*APY = Annual Percentage Yield. Effective as of 10/24/2022. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at their discretion. View Rate & Fee Schedule.

See Rates & Disclosures

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 2.89% 2.93%
17 Months 3.09% 3.13%
26 Months 3.28% 3.33%
33 Months 2.77% 2.80%
45 Months 2.77% 2.80%

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 10/24/2022. East Idaho Credit Union reserves the right to end, alter, or otherwise adjust this promotional offer at any time and at their discretion. View Rate & Fee Schedule.

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