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*
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

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 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.

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

Lunes – Viernes: 7:30am – 8:00pm
Sábado: 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 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

Tarifas para vehículos recreativos

Año 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

Tarifas de los deportes de motor

Año 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

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 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

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 APY* Tipo de interés
13 Months 2.89% 2.93%
17 Months 3.09% 3.13%
26 Months 3.28% 3.33%
33 Months 2.80% 2.77%
45 Months 2.80% 2.77%

*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.

Standard Business CD Rates

Término APY* Tipo de interés
6 meses 1.00% 1.00%
1 año 1.26% 1.25%
2 años 1.76% 1.75%
3 años 2.27% 2.25%
4 años 2.12% 2.10%
5 años 2.02% 2.00%

*APY = Annual Percentage Yield
Rates effective as of 10/1/2022

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*
8.54% to 13.54%

If collateral is 8+ years old, add an additional 0.50% qualifying rate
*APR=Annual Percentage Rate.
Rates effective as of January 1st, 2023

Business Equipment Rates

APR*
8.74% to 16.24%

If collateral is 8+ years old, add an additional 0.50% qualifying rate
*APR=Annual Percentage Rate.
Rates effective as of January 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

APR*
14.00% 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*
15.00% to 18.00%

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