Tipos de depósito
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 average2 balance up to $10,000 when you: Enroll in Online Banking and e-statements, have ACH deposits of at least $2,000.003 per month, and have at least 11 posted4 debit and/or credit card transactions per month. Additionally, earn 0.50% APY on average balances greater than $10,000 when you have a qualifying loan or Certificate5 or 0.20% APY on balances greater than $10,000 when you do not have a qualifying loan or Certificate. If you don’t meet the qualification requirements you will earn 0.05% APY on your average balance.
1 APY = 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.
2 Interest earned based on average daily balance.
3 ACH deposits must be in the same account.
4 Posted transactions cleared by the end of the account statement cycle. Debit card transactions will only count if made from the Velocity Checking share.
5 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.
Special CD Rates
For a limited time, take advantage of the following special rates when you open a new CD in branch:
| Término | Valora | APY* |
|---|---|---|
| 11 Months Bump-up / Add-on |
4.55% | 4.65% |
| 15 Months Bump-up / Add-on |
4.25% | 4.33% |
| 23 Months Bump-up / Add-on |
3.28% | 3.33% |
| 33 Months | 2.77% | 2.80% |
| 45 Months | 2.77% | 2.80% |
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
| Término | Valora | APY* |
|---|---|---|
| 6 meses | 1.00% | 1.00% |
| 1 año | 1.25% | 1.26% |
| 2 años | 1.75% | 1.76% |
| 3 años | 2.25% | 2.27% |
| 4 años | 2.10% | 2.12% |
| 5 años | 2.00% | 2.02% |
*APY = Annual Percentage Yield. Effective as of 4/17/2023. 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.
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.
Tipos del mercado monetario
| Saldo | APY* | Valora |
|---|---|---|
| $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% |
Tarifas vigentes a partir del 6 de enero de 2022
Tipos de ahorro clásicos
| APY* | Tipo de interés |
|---|---|
| 0.05% | 0.05% |
Tarifas vigentes a partir del 6 de enero de 2022
Tarifas de las cuentas individuales
| APY* | Tipo de interés |
|---|---|
| 0.05% | 0.05% |
Tarifas vigentes a partir del 6 de enero de 2022
Pickle Jar Rates
| APY* | Tipo de interés |
|---|---|
| 0.10% | 0.10% |
Tarifas vigentes a partir del 6 de enero de 2022
Tarifas de los préstamos
Tipos de interés hipotecarios
Póngase en contacto con nosotros para conocer las tarifas
Call us directly at: 208-535-2833
Send a text message to: 208-516-2317
Monday – Friday: 7:30am – 8:00pm
Saturday: 9:00am – 5:00pm
Tipos de HELOC
| Término | APR* |
|---|---|
| Hasta 25 años | 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.
Tarifas para automóviles
| Año | APR* |
|---|---|
| 2018 y más recientes | 8.34% to 17.09% |
| 2017 – 2012 | 10.07% to 17.99% |
| 2011 & Older | 11.77% to 17.99% |
Rates effective as of 4/1/2023
Tarifas para vehículos recreativos
| Año | APR* |
|---|---|
| 2019 & Newer | 9.84% to 17.99% |
| 2018 – 2014 | 10.24% to 17.99% |
| 2013 & Older | 11.74% to 15.39% |
Rates effective as of 4/1/2023
Tarifas de los deportes de motor
| Año | APR* |
|---|---|
| 2019 & Newer | 8.54% to 18.00% |
| 2018 – 2016 | 9.94% to 18.00% |
| 2015 – 2011 | 10.94% to 18.00% |
| 2010 & Older | 13.24% to 18.00% |
Rates effective as of 6/1/2023
Tarifas de las motocicletas
| Año | APR* |
|---|---|
| Cualquier | 6.34% to 17.99% |
Rates effective as of 1/1/2023
Tarifas marinas
| Año | APR* |
|---|---|
| 2019 & Newer | 9.84% to 17.99% |
| 2018 – 2014 | 10.24% to 17.99% |
| 2013 & Older | 11.74% to 15.39% |
Rates effective as of 4/1/2023
Tarifas VISA® Classic
| 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
Tarifas de VISA® Signature
| 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
Tarifas de los préstamos a la firma
| Término | APR* |
|---|---|
| Hasta 60 meses | 10.79% to 17.99% |
Rates effective as of 10/1/2022
Tarifas de la línea de crédito
| APR* |
|---|
| 11.25% to 18.00% |
Rates effective as of 10/1/2022
Compartir tipos garantizados
| Término | APR* |
|---|---|
| Hasta 60 meses | 2,00% sobre el tipo de CD |
Tarifas vigentes a partir del 1 de agosto de 2021
Tasas de defensa de la energía
| Término | APR* |
|---|---|
| Hasta 7 años | 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 |
|---|---|
| Elegibilidad | 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 |
| Términos | Up to 84 Months (7 years) Payments will be principal and interest payments Credit Score required to determine qualified interest rate Fixed Interest Rates |
| Préstamo a valor | El importe y el plazo máximos del préstamo se determinarán en función de los ingresos brutos de la familia |
| Importes de los préstamos | Minimum of $500 Maximum of $32,000 |
| Tasas | No Origination Fee No Annual Fee |
| Anticipos de crédito | Todos los fondos se adelantan y se pagan directamente al contratista (en la mayoría de los casos) |
| Usos | 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 |
Business Deposit Rates
Special Business CD Rates
For a limited time, take advantage of the following special rates when you open a new CD in branch:
| Término | Valora | APY* |
|---|---|---|
| 11 Months Bump-up / Add-on |
4.55% | 4.65% |
| 15 Months Bump-up / Add-on |
4.25% | 4.33% |
| 23 Months Bump-up / Add-on |
3.28% | 3.33% |
| 33 Months | 2.77% | 2.80% |
| 45 Months | 2.77% | 2.80% |
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 Business CD Rates
| Término | Valora | APY* |
|---|---|---|
| 6 meses | 1.00% | 1.00% |
| 1 año | 1.25% | 1.26% |
| 2 años | 1.75% | 1.76% |
| 3 años | 2.25% | 2.27% |
| 4 años | 2.10% | 2.12% |
| 5 años | 2.00% | 2.02% |
*APY = Annual Percentage Yield. Effective as of 4/17/2023. 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.
Business Velocity Money Market Rates*
| 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% | = | $756 |
| $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.
Tipos del mercado monetario para empresas
| Saldo | APY* | Tipo de interés |
|---|---|---|
| $0.00 - $9,999.99 | 0.05% | 0.05% |
| $10,000 - $24,999.99 | 0.10% | 0.10% |
| $25,000 - $49,999.99 | 0.15% | 0.15% |
| $50,000 - $99,999.99 | 0.20% | 0.20% |
| 100.000 dólares o más | 0.25% | 0.25% |
Rates effective as of June 28th, 2021
Tipos de ahorro para empresas
| APY* | Tipo de interés |
|---|---|
| 0.05% | 0.05% |
Rates effective as of June 28th, 2021
Tarifas de la cuenta de cheques Business Plus
| Saldo | APY* | Tipo de interés |
|---|---|---|
| $0.00 - $9,999.99 | 0.00% | 0.00% |
| $10,000 - $99,999.99 | 0.10% | 0.10% |
| 100.000 dólares o más | 0.25% | 0.25% |
Rates effective as of June 28th, 2021
Business Loan Rates
Business Auto Rates
| APR* |
|---|
| 9.54% to 14.54% |
If collateral is 8+ years old, add an additional 0.50% qualifying rate
*APR=Annual Percentage Rate.
Rates effective as of APril 1st, 2023
Business Equipment Rates
| APR* |
|---|
| 9.74% to 17.24% |
If collateral is 8+ years old, add an additional 0.50% qualifying rate
*APR=Annual Percentage Rate.
Rates effective as of April 1st, 2023
Business Term Rates
| APR* |
|---|
| 12.99% to 17.99% |
*APR=Annual Percentage Rate.
Rates effective as of January 1st, 2023
Business Line of Credit Rates
| Secured APR* |
|---|
| 13.75% to 16.75% |
| Unsecured APR* |
|---|
| 14.75% to 18.00% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of January 1st, 2023
Business VISA® Rates
| APR* |
|---|
| 15.75% to 18.00% |
Rates are determined off Wall Street Journal Prime Plus Margin. *APR=Annual Percentage Rate.
Rates effective as of April 1st, 2023
