Monday-Friday: 7:30am – 8:00 pm
Saturday: 9:00am – 5:00pm

We offer a fast and easy process to help you get into your new home without hassle. Take advantage of our flexible loan terms and rates you can not afford to miss when you are looking for your next home.

  • Primary Residence

  • HELOC

  • Refinance

  • First-time Home Buyers

  • Lot & Land Loans

  • Construction Loans

NMLS#: 640508

Excellent rates and terms on a wide variety of vehicle loans for your new or pre-owned vehicles.

If you are looking to refinance your car loan, East Idaho Credit Union makes it easy to switch and start saving money every single month.

  • Car Loans

  • Recreational Vehicle (RV) Loans

  • Motorcycle Loans

  • Powersports Loans

  • Marine Vehicle Loans

Auto Rates

Year APR*
2018 & Newer 6.59% to 15.34%
2017 – 2012 7.57% to 16.34%
2011 & Older 8.77% to 15.59%

Rates effective as of 1/24/2023

RV Rates

Year APR*
2019 & Newer 7.59% to 17.99%
2018 – 2014 9.24% to 17.64%
2013 & Older 9.49% to 13.14%

Rates effective as of 1/1/2023

Motorcycle Rates

Year APR*
Any 6.34% to 17.99%

Rates effective as of 1/1/2023

Powersports Rates

Year APR*
2019 & Newer 6.79% to 16.14%
2018 – 2016 7.54% to 16.89%
2015 – 2011 7.89% to 17.24%
2010 & Older 9.29% to 16.39%

Rates effective as of 1/1/2023

Marine Rates

Year APR*
2019 & Newer 7.59% to 17.99%
2018 – 2014 9.24% to 17.64%
2013 & Older 9.49% to 13.14%

Rates effective as of 1/1/2023

wild-mustangs-emv

*choose your own card image*

These VISA® credit card services offer convenience, security, and service. With this credit card, you won’t have to worry about annual, cash advance or ATM fees.

Purchase online or in a store, build credit history, or re-establish credit.

  • VISA® Classic Credit Card

  • VISA® Signature Credit Card

VISA® Classic Rates

APR*
9.75% to 18.00%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 1/1/2023

VISA® Signature Rates

APR*
13.75% to 18.00%

Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of 1/1/2023

A Home Equity Line of Credit (HELOC) is a loan set up as a line of credit for a maximum draw, rather than using a fixed dollar amount like a mortgage.

Borrow against the available equity in your home and the house is used as collateral for the line of credit.

NMLS#: 640508

HELOC Rates

Term APR*
Up to 25 Years As low as Prime minus 0.20%

Rates are determined off Wall Street Journal Prime Plus Margin. The interest rate can change with the Wall Street Journal Prime Rate or quarterly, effective by month end of the first month of each quarter, following a change in the Prime Rate. *APR=Annual Percentage Rate. The Annual Percentage Rate will not exceed 18.00%. Approved rates are based on creditworthiness. We will use the most recent index available to us as of the 1st business day of the month prior to a rate change. $20,000 minimum, $250,000 maximum line of credit. Early payoff (less than 3 years) requires $300 finance charge. Adequate Property insurance must be maintained. Appraisal fees may be passed on to the borrower.

Signature loans are approved on a member’s signature and do not require a form of collateral for approval.

If you need the money quick, signature loans are the best way to go for you.

Signature Loan Rates

Term APR*
Up to 60 Months 10.79% to 17.99%

Rates effective as of 10/1/2022

Line of credit loans have a revolving line of credit with added checking account protection for your convenience.

If you are looking for a way to further your credit while having access to money when you need it, a line of credit loan is for you.

Line of Credit Rates

APR*
11.25% to 18.00%

Rates effective as of 10/1/2022

Share secured loans use funds that are in your savings account to secure the loan while they still continue to earn dividends.

For those of you out there that are looking to start earning credit, a Share Secured Loan is a great way to start.

Share Secured Rates

Term APR*
Up to 60 Months 2.00% over CD rate

Rates effective as of August 1st, 2021

A Energy Defense Loan provides funds for Homeowners to make energy efficient improvements to their homes.

You can use a Energy Defense Loan to replace your rundown roof, drafty windows, that ancient water heater and much, much more!

  • Windows

  • Doors

  • Pellet and Wood Stoves

  • Insulation

  • Weather Stripping

  • Air Conditioning

  • Furnace or Heat Pumps

  • Roofing

Energy Defense Rates

Term APR*
Up to 7 Years 5.90% to 10.25%

*APR=Annual Percentage Rate. Energy Defense APR ranges between 5.90% to 10.25%. $500 Minimum, $32,000 Maximum. Rates, terms, and conditions based on creditworthiness, qualifications, loan amounts, and verifiable gross household income. All loans subject to approval. Improvements must be for homeowner’s primary residence. Loan proceeds directly payable to the installers and retailers of weatherization activities and products. Loan use is for weatherization and/or energy efficiency purposes only, including purchasing approved appliances. Primary Residence Mortgage Loan must be current. East Idaho Credit Union is an Equal Opportunity Lender.

Features/Benefits
Feature Benefit
Eligibility Primary Residence
Applicant must be employed or be receiving qualifying fixed income at the time the loan is funded
Must be located in Idaho
Must be current on primary mortgage
Manufactured Homes are eligible only if on a foundation
Terms Up to 84 Months (7 years)
Payments will be principal and interest payments
Credit Score required to determine qualified interest rate
Fixed Interest Rates
Loan to Value Maximum loan amount and term will be determined by gross household income
Loan Amounts Minimum of $500
Maximum of $32,000
Fees No Origination Fee
No Annual Fee
Credit Advances All funds are advanced up front and paid directly to the contractor (in most cases)
Uses Energy Efficient Home Improvements including but not limited to;
Energy Efficient Windows and Doors
Insulation replacement or augmentation
Weather stripping and other energy efficient materials
Energy efficient water heaters, heat pumps/furnaces
Pellet and wood stove additions or replacements
Roof replacements

A Business Term Loan is perfect for your business if you are ready to expand or make some improvements along the way.

  • Start-up Loans

  • Term Loans

  • Line of Credit

  • VISA® Credit Cards

  • Real Estate Loans

  • Construction Loans

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.

  • Merchant Services

  • Payroll Services

  • HR Services