LOANS

Low Interest Rate Loans

If you are looking for a low interest rate loan for any of your life’s adventures, look no further. East Idaho Credit Union has the perfect loan for you. With low rates and fixed monthly payments, we offer the tools to make sure you worry less about the money and more about the things that matter. Use our Online Loan Application.

Refinance your loan with us and save yourself money every month.

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Model Year	Term	Rate
New (New-2017)	60 Months 66 Months 72 Months 84 Months	2.99% to 13.73% 3.04% to 13.78% 3.14% to 15.03% 3.99% to 16.30%
Used (2016-2013)	60 Months 66 Months 72 Months 84 Months	3.13% to 13.88% 3.20% to 13.95% 3.32% to 15.25% 3.99% to 17.03%
Used (2012-2010)	60 Months 66 Months 72 Months	3.52% to 15.72% 3.59% to 16.57% 3.81% to 16.67%
Used (2009 & Older)	66 Months	5.03% to 17.23%

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Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of June 22, 2020.

Large RV's Include: Motor Homes, Travel Trailers, Campers, Boats & Horse Trailers with Living Quarters

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Model Year	Term	Rate
New (2018 & Newer)	120 Months 144 Months 180 Months	4.49% to 14.29% 4.99% to 15.79% 5.49% to 17.49%
Used (2017 - 2012)	120 Months	6.74% to 15.99%
Used (2011 - 2010)	84 Months	6.74% to 15.99%
Used (2009 & Older)	60 Months	7.79% to 17.49%

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Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of September 1, 2020.

Small RV's Include: ATV's, Snowmobiles, Jet Skis & Horse Trailers without Living Quarters

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Model Year	Term	Rate
Used/Never Titled (2017 & Newer)	36 Months 48 Months 60 Months	5.39% to 14.39% 5.89% to 14.89% 6.39% to 15.39%
Used (2016-2014)	36 Months 48 Months 60 Months	6.14% to 15.14% 6.64% to 15.64% 7.14% to 16.14%
Used (2013-2009)	36 Months 48 Months	6.49% to 15.49% 6.89% to 15.89%
Used (2008 & Older)	24 Months 36 Months	7.89% to 16.89% 8.39% to 17.39%

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Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of April 1st, 2020.

Motorcycle Loans Include: Street Motorcycles Only (things like dirt bikes are considered Small RV Loans)

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Motorcycles	Term	Rate
Subject to Credit Quality	36 Months 48 Months 60 Months 72 Months	4.19% to 15.49% 4.49% to 15.99% 4.99% to 16.49% 5.49% to 17.99%

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Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of April 1st, 2020.

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Term	Rate
36 Months 48 Months 60 Months	8.99% to 17.99% 9.49% to 17.99% 9.99% to 17.99%

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Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of April 1st, 2020.

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*Quarterly Prime plus margin below

Rate
3.00% to 11.00%

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Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of January 1st, 2019.

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Rate
9.50% to 18.00%

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Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of April 1st, 2020.

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Term	Rate
Up to 60 Months	2.00% Over CD/Share Rate

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Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of January 1st, 2019.

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Term	Rate
Up to 25 Years	3.50% - 6.25%

+APR=Annual Percentage Rate. HELOC APR ranges between 3.50% to 6.25% effective October 1, 2020. The interest rate can change semi-annually on the first day of April and October following a change in the Prime Rate. We will use the most recent index available to us as of the 10th business day of the month prior to a rate change. The Annual Percentage Rate will not exceed 18.00%. Approved rates are based on credit worthiness. Application must be received by April 30th, 2020 in order to receive introductory rate. Introductory rate will be in effect for six statement periods following the date of funding. After the introductory period, rate will revert to qualifying rate. $5,000 minimum, $250,000 maximum line of credit. ++CU pays flood, automatic home valuation and title costs. If full appraisal needed, member pays. East Idaho Credit Union is an Equal Opportunity Lender.

If required, members pays cost of full appraisal. Annul percentage rate can change semi-annually on the first day of April and October. Floor rate on Wall Street Prime Max rate of 18.00%. LTV = Lifetime Value. $5,000 minimum, $250,000 maximum line of credit. A $5 Membership fee will be charged on all New Membership Accounts. Early payoff (less than 3 years) requires $300 finance charge. Annual percentage rate may vary after account opening based on prime floor rates, with a maximum of 18% APR. Adequate Property insurance must be maintained. Appraisal fees may be passed on to the borrower. All loans are OAC. East Idaho Credit Union is Federally Insured by the NCUA.

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*Quarterly Prime plus margin below

Rate
6.25% to 13.00%

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Rates published are “best” available rates and may differ based on your financial situation. All rates are quoted as the Annual Percentage Rate (APR). Approved rates are based on credit worthiness, loan term, and collateral (if any). Online rate schedule may not reflect most current rate changes and are subject to change without notice. Please verify rates with your local branch for complete accuracy. APR will be calculated based on the amount financed and the term of the loan.
Rates effective as of April 1st, 2020.

VEHICLE LOANS

East Idaho Credit Union has car loan rates that are near record lows. As a result, you could save thousands in interest. The Credit Union offers excellent rates and terms on a wide variety of car loans for your new or pre-owned cars. 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.

Motorcycle Loan Rates

PERSONAL LOANS

Our personal loans are made for you because each one is personalized. Are you are looking for a personal loan to pay off some bills, take a trip with the family, or even to make sure that you are ready for an unexpected event? East Idaho Credit Union has the perfect personal loan for you. A personal loan options include Signature Loans, Line of Credit Loans and Share Secured Loans.

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Signature Loan Rates

Line of Credit Loan Rates

Visa Credit Card Rates

Share Secured Loan Rates

HOME LOANS

Take advantage of our flexible loan terms and rates you can not afford to miss when you are looking for your next home. Once we find out what your home loan and mortgage goals are, we can help make it happen. We offer a fast and easy process to help you get into your new home without hassle. Backed by Centennial Lending, get your next mortgage from local people you can trust. There isn’t a better option out there.

VISA CREDIT CARD

Introducing the Visa® Credit Card from East Idaho Credit Union. These 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; because these are only some of the benefits of your next Credit Card. Backed by the reliability of Visa, you know that East Idaho Credit Union has your best interests (and wallet) at heart.

LOAN CALCULATORS

Use our Loan Calculators to get a better idea of what your loan payments will be. Knowing beforehand is always a good practice because you will have a better idea of what you need to budget for. Because of this, you will feel secure knowing your next loan will be one that you can afford.

More Calculators

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LOANS

Low Interest Rate Loans

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VEHICLE LOANS

PERSONAL LOANS

HOME LOANS

VISA CREDIT CARD

LOAN CALCULATORS